The Five Elements

The 5 Elements

Five components, one solution – all designed to meet your needs throughout transaction and merchant account lifecycles.

3DS 2.0

A card brand protocol functioning as a risk-based, frictionless customer authentication tool.

  • 3DS 2.0 authenticates customers at the point-of-purchase, utilizing issuer risk-based data and analyzing for accuracy and security.

  • 3DS 2.0 operates behind the scenes, without disturbing the customer experience or influencing shopping cart abandonment.

  • Merchants experience better interchange qualifications with 3DS, along with enhanced security during customer checkout. Liability coverage on successfully authenticated transactions helps protect merchants from friendly fraud.

Fraud Shield

A card brand protocol functioning as a risk-based, frictionless customer authentication tool.

  • 3DS 2.0 authenticates customers at the point-of-purchase, utilizing issuer risk-based data and analyzing for accuracy and security.

  • 3DS 2.0 operates behind the scenes, without disturbing the customer experience or influencing shopping cart abandonment.

  • Merchants experience better interchange qualifications with 3DS, along with enhanced security during customer checkout. Liability coverage on successfully authenticated transactions helps protect merchants from friendly fraud.

Chargeback Interception

A system catching inbound chargeback alerts and disputes.

  • Fraud Wrangler’s Chargeback Interception tool prevents and combats chargebacks.

  • The Chargeback Interception tool handles incoming chargeback alerts and resolves them before they become chargebacks.

  • Chargeback Interception supports merchants in all markets and industries, especially those with the potential for high chargeback rates.

  • Chargeback Interception keeps merchant accounts active longer by utilizing processor-level interception, not CRM-level dispute interception.

Representment

A tool to win back rightfully earned transaction revenue.

  • The representment service pulls transactional details and packages the information for the issuing bank, for the purpose of reclaiming proceeds from a contested transaction. The representment package includes transactional information like checkout page transaction validation, tracking history displaying shipping and delivery of the purchase, and other consumer information pertinent to transaction authentication legitimacy.

  • The representment tool offers in-depth chargeback analytics and reporting that protects merchants from current and future threats.

  • Representment offers protection from friendly fraud attempts (intentional or unintentional).

Post-Termination Refunds

A service preventing chargebacks after MID closure.

  • Post-termination refunds help merchants save money and possibly receive merchant account reserves sooner.

  • Utilizing post-termination refunds, merchants can keep their account in good standing with banks and card brands, allowing for acquisition of future merchant accounts.

  • Merchants can avoid crippling costs associated with chargebacks plaguing their business after merchant account closure.