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360 Fraud Protection

Tailored Setup

Tailored Setup

Every merchant’s risk profile is different. 16 years of fraud prevention experience enables us to combine your business’ individual needs with our knowledge of your sector to create your tailored risk profile.

Sophisticated Decisioning Engine

Sophisticated Decisioning Engine

RiskGuardian uses a wealth of technology to detect and prevent fraud in real time.

Advanced IP Geolocation

Advanced IP Geolocation

Built-in ability to identify the true IP address and location of the originating transaction.

Device ID

Device ID

Device ID intelligence to highlight fraudulent activity from a given device. Available with most integrations - contact your Relationship Manager for more information.

Case Management

Case Management

Easily perform manual review of high risk transactions. Assign different owners and determine the priority of transactions.

Data Intelligence and Pooling

Data Intelligence and Pooling

Benefit from sophisticated cross-referencing against millions of transactions as well as pre-integrated, specialist third party data sources to enhance your fraud detection.

Leading Partner Integrations

Leading Partner Integrations

RiskGuardian is pre-integrated with leading providers such as Hybris, Accelya and Amadeus, saving technical work and speeding up time to live.

Flexible, Instant Rule Creation

Flexible, Instant Rule Creation

In a few clicks, create your own rules to immediately block or alert you to transactions meeting the risk criteria of your choice.

Real-time Alerts

Real-time Alerts

Be alerted in real time to high-risk transactions that meet criteria of your choice. Set up email alerts to named individual(s) in a few clicks.

Dashboards and Reports

Dashboards and Reports

From an instant visual snapshot of your transactions to detailed exportable, scheduled reports, you can access the insights you need into your transactions.

Transaction Monitoring Service

Transaction Monitoring Service

Use our self-service portal or let us look after your transactions. Speak with your Relationship Manager about our current geographical coverage of this service.

Chargeback Management System

Chargeback Management System

Automate the processing of chargebacks and cut down on paperwork.

Dynamic 3D Secure

Dynamic 3D Secure

Optimise your 3DS. Improve your transaction acceptance rates and lower chargebacks while ensuring a smooth customer experience.

Payment Security: Tokenisation

Payment Security: Tokenisation

Protect your data with our tokenisation service: lower your security burden and PCI DSS requirement costs by replacing sensitive card details with a token.

Client-Side Encryption

Client-Side Encryption

Client-Side Encryption removes the need for you to come into contact with card data, to reduce the scope and cost of PCI DSS on your business.

Analytics and Optimisation

Analytics and Optimisation

Get the best out of your data. Understand market trends, customer behaviours and patterns that drive your business direction and strategy.

Social Media Validation

Social Media Validation

Validate high risk transactions in real-time with a simple identity check using social media.

AVS/CVV2/CVC checks

AVS/CVV2/CVC checks

Offered to our merchants at no additional cost, Worldpay supports these additional checks in conjunction with banks and card issuers.

Fraud is always evolving. Be prepared with full-spectrum fraud protection that responds to the ever-changing threat of fraud.

Our highly tailored, flexible risk decisioning system RiskGuardian™ is accompanied by an array of complementary risk management tools and services.

Don’t let the fraudsters find the gaps in your protection – choose Worldpay’s full-spectrum fraud approach and protect your revenues while maximising acceptance.

Experienced partner and advisor

With over 16 years in the fraud business and a unique pedigree in the global payments industry, Worldpay prides itself on its ability to assist merchants with the entire payments journey, especially fraud. We work with all our merchants to understand your business needs and ensure you achieve the optimum balance between fraud prevention and transaction acceptance.

Fraud is not just about Cards

Cards are not the only way to pay for online transactions. In fact, there are over 300 different types of payments in the world of eCommerce. Whatever payment methods are right for your business, we can work with you to understand and mitigate fraud risk.

Single Integration

RiskGuardian is acquirer agnostic: implement it in a standalone capacity or benefit from pre-existing integrations into our gateways.

Airlines

Airlines operate across continents and currencies in a competitive global marketplace. As such they have always been a popular target for fraudsters. RiskGuardian works with airlines all over the globe to fight fraud. It’s all about data insight – up to 32 itinerary data fields assess risk on each transaction depending on varied attributes such as route or booking time to departure. RiskGuardian also offers an integration to IATA’s ‘Perseuss’ negative database for extra security.

Digital Content

Worldpay understands the drive for a frictionless experience at checkout. RiskGuardian works behind the scenes to minimise risk for Worldpay’s leading digital content merchants, with bespoke rule sets and optional age and ID checks for the purchase of age-restricted goods or services.

Gambling

With the largest gambling sector customer base in Europe, RiskGuardian is specifically tailored to meet the needs of this specialised market, including a risk sector-specific data pool, the ability to set different levels of risk by type of gambling activity (e.g. sports book, casino) and a range of Anti Money Laundering, location and ID services, meaning that gambling companies remain fully compliant with all regulatory requirements

Retail

RiskGuardian’s decisioning engine is tailored specifically for retail, with the ability to set risk level not only by market or payment method but also by type of goods or delivery method, a Workflow module to optimise the narrow window for manual review and the option of Transaction Monitoring in certain geographies. (ask your Relationship Manager about our current geographical coverage of this service.)

Travel

RiskGuardian offers a portfolio of different features to accurately detect fraudulent transactions in the tight-margin travel industry. Setting different levels of risk by geographical market, channel or payment method ensures our travel sector merchants avoid a ‘blunt instrument’ approach. They also benefit from IATA’s ‘Perseuss’ negative data file and the ability to send Worldpay 32 itinerary data fields which can fuel detailed custom rules for highly sophisticated fraud detection.

Video Games

Demanding gamers require a frictionless payment experience, whereas gaming merchants are constantly in search of market share. RiskGuardian is perfectly adapted to the needs of the gaming market with the ability to assess risk on additional player data, such as reliability score or game being played. We also offer age and ID checks for the purchase of age-restricted goods or services.

Since China Southern adopted the RiskGuardian fraud solution at the end of 2013, it has helped us manage our fraud risk very well through the customised rules-based profile approach. Further optimisation and tweaks on the risk profile has helped us increase our good transactions while keeping out fraudulent ones.

China Southern Airlines

Worldpay helped us understand payments behaviours and fraud. Now we can operate more profitably and with greater confidence.

Kelly Smirk, Head of MCR UK
Operations at Clarks