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What is velocity check?


What is velocity check and fraud pattern identification?


Payment gateway velocity check consists of applying anti-fraud filters to the payment gateway so that automatic operations cannot be performed in a certain time, that is, what is intends with these filters, is that between one transaction and another an optimal period of time should take place to successfully charge the client from the same IP. Otherwise, the system will decline the operation and will not authorize it. When the payment gateway detects automatic operations in the system, rules are created to compare the history of transactions that a particular merchant had in the same period of time. These rules also detect any irregulation in the repeating patterns within a defined time period. 

Velocity Check anti-fraud rules that users should consider the most are the following:

  • Operations that the client has performed in the last 24 hours.
  • How much money has a customer spent per card in the last 24 hours?
  • Number of operations per card that have been performed from the same device in the last 24 hours.
  • Number of operations that have been carried out from the same credit card? 
  • Coincidence in shipping addresses?
  • How many operations have been performed from the same IP in the last 24 hours?

As you can see all the rules are based on time, in this case it is 24 hours but the client can schedule it with intervals of time that he wishes, the less time the client sets the greater fraud protection he will obtain for his business.  

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