Fraud Prevention


The User Profile feature allows the merchant to process returning customers without the need to store sensitive and confidential customer information on the merchant’s server. Storing sensitive information requires secure servers, in addition to various certifications. PrismPay is CISP (Visa’s Cardholder Information Security Program) certified.

SSL Technology

The SSL security protocol provides data encryption, server authentication, message integrity, and optional client authentication for a TCP/IP connection. Because SSL is built into all major browsers and web servers, simply installing a digital certificate turns on their SSL capabilities.

Built-In Fraud Features

Customers using MyVPOS through the payment gateway integration have built in fraud tools that can be activated by a simply checking a box.  Each transaction submitted can be filtered through a comprehensive series of fraud prevention rules to determine potential risk. Configuration of these rules is under your complete control using our user-friendly Online Merchant Center merchant administration web site.  These features can be used in conjunction with the IPViking technology to enhance a robust prevention suite.

Businesses can block transactions that exhibit suspicious buying behaviors such as:

  • Block a credit card that is submitted and declined twice within 24 hours using different expiration dates.
  • Check City and State entries for validity against the zip code entered.
  • Check area codes for validity against the zip code entered.

Businesses can block transactions that exhibit suspicious buying behaviors such as:



Credit Card Numbers

The merchant may block any credit card by adding the account to the block list.


Occasionally the merchant may wish to add the name of a problematic company or customer to a block list, so that they will be prevented from purchasing regardless of form of payment.


Blocking of orders from certain countries for shipping or acceptance of payment can be accommodated.

Negative Account Blocking

Reject transaction from known fraudulent account numbers.

Cramming Protection

Prevent the use of credit card or ACH number generating schemes by limiting the number of transactions allowed from a given IP address.

Domain Blocking

Filter transactions by the Internet domain associated with the customer’s email address.

Country Blocking

Filter transactions by the Internet domain associated with the customer’s country code.

Prevent Duplicate Transactions

Track recent transactions to ensure the same transaction is not authorized more than once. This eliminates problems due to “double clicking” the transaction submit button as well as duplicate submittal of batch transactions.

IP Activity Limit

Limit the number of accepted transactions from a given IP address.

Large Transaction Notification

This feature examines the transaction amount after the transaction has been accepted. When the amount exceeds an amount specified by the merchant an e-mail is sent notifying the merchant that the amount has exceeded the threshold. The merchant can then review the transaction, refuse the sale before any products are shipped, and credit back the consumer at a later time.

Address Verification (AVS)

AVS matches the known address information associated with the given credit card number against the billing address information provided by the user. If the information does not match, the transaction is declined. The merchant has the option of choosing the level of match required for an approved transaction.


Card Security Code, is a number that is printed, not imprinted, on Visa, MasterCard, American Express and others. This number is never transferred during card swipes and should only be known by the cardholder, the person holding the card in their hand.

Reject Free Email Address

Checks the e-mail address of the consumer against a database of free e-mail providers. Transactions in which the email domain of the consumer is in this database are declined.

Verified by Visa and MasterCard SecureCode

MyVPOS supports the leading payer authentication systems in the industry, allowing you to easily integrate these tools into your ecommerce process.

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