Understanding card payment processes and using the tools available is crucial for businesses.
- Payment lifecycle provides instant updates on transaction events, such as chargebacks, allowing for quick problem resolution and improved customer support.
- Card tokenization improves payment security by replacing sensitive data with network tokens, reducing fraud risks and increasing authorization rates.
- Mastercard Transaction Link Identifier (TLID) ties each merchant-initiated transaction to the original cardholder credential-on-file agreement, supporting scheme compliance and stronger issuer confidence.
- ECI, AVS, and CVV codes provide detailed information about transactions, helping troubleshoot issues.
- Device sessions let you pass PSP fraud SDK identifiers to enrich risk scoring when payments route to connectors with native fraud tools.
Webhooks notify merchants of key real-time events such as refunds, cancellations, and chargebacks, helping optimize payment processes and manage risk.
Address Verification Service (AVS), Card Verification Value (CVV), and Account Name Inquiry (ANI) results play a key role in reducing fraud in card-not-present transactions.
Together, these verification results reduce fraud, enhance transaction security, and minimize chargebacks in card-not-present transactions.
Electronic Commerce Indicator (ECI) values signify the authentication level of a transaction, influencing both the authorization process and the extent of liability protection afforded to it.
Understanding and correctly applying ECI codes is critical as it affects transaction risk management and determines liability for unauthorized charges.