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Services:
Risk Management
PayTechno Processing believes that the key to profitable processing is an ongoing client web site management. Medium to high risk businesses require a close daily supervision and even managed to a certain level. Most of the web sites are not equipped with sufficient tools to challenge fraud and charge-backs.
PayTechno Processing targets the four crucial steps of risk management: Risk Analysis, Underwriting, Account monitoring and Proactive control.
PayTechno Processing fraud system consists with AVS - Address verification system, Card Verification Number - CVV2/CVC2/CID, Order velocity monitoring and Issuer bank bin geo location restrictions. We define daily, weekly or monthly purchasing limit rules.
- Risk Analysis
A.S TECHNOLOGIES PROCESSING risk department evaluates the potential risk of the business. There are different causes of charge-back and fraud in each industry. The causes vary from product or service quality, delivery time, pricing, and customer service or customer geographic location. Business legitimacy in specific regions in the world also has an impact on the risk factor.
- Underwriting
A.S TECHNOLOGIES PROCESSING customizes its underwriting procedure, for each client, based upon the selected acquiring bank. We collect the required documents and provide our client with suitable application form. Once the form has been completed, signed and scanned, we supply it to the acquirer bank together with the required documents and the client previous history of processing. We will not submit an application if the required documents are missing or the charge-back history ratio is above the acquirer bank limits.
- Account monitoring
A.S TECHNOLOGIES PROCESSING believes that a daily monitoring of our clients transactions is crucial to minimize fraud and charge-backs. We developed internal fraud and risk detection tools. We are integrated with external fraud detection tools. Our fraud system consists with AVS - Address verification system, Card Verification Number - CVV2/CVC2/CID, Order velocity monitoring and Issuer bank bin geo location restrictions. We define daily, weekly or monthly purchasing limit rules.
- Proactive control
A.S TECHNOLOGIES PROCESSING encourages its merchants to refund unsatisfied customers. We coordinate call back campaign to customers and verify their satisfaction.
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