Risks

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Risks
Safeguard your business with prevention alerts and robust monitoring strategies

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Successful payment protection combines operational efficiency with strategic prevention. Through essential Glossary
Dispute process initiated by a cardholder, resulting in the reversal of a transaction and funds returned. chargeback management capabilities and comprehensive Glossary
Payment fraud involves unauthorized transactions using stolen payment or identity information, causing financial losses. fraud insights, Solidgate helps merchants build effective strategies while maintaining smooth operations and compliance standards.


Prevent
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Early detection and proactive prevention minimize financial losses and protect a business reputation. Prevention tools, fraud insights, and alert services help stop disputes before they escalate into chargebacks. Analyze fraud patterns and use prevention alerts to implement targeted strategies that reduce risk and protect revenue.

Detect and respond to fraud using real-time alerts, detailed reports, and actionable insights that enable prompt fraud detection and preemptive refunds.
Fraud
Track fraud metrics and implement prevention strategies to minimize losses.

Key capabilities:

  • TC40 (Visa) and SAFE (Mastercard) fraud reporting integration
  • Real-time fraud alert webhooks for immediate action
  • Fraud rate calculation and threshold monitoring
  • Anti-fraud velocity rules and transaction blocklists
Refund or block risky transactions before they become chargebacks using prevention services that enrich issuer data and enable instant dispute resolution.
Prevention alerts
Leverage prevention services for a safer and thriving business.

Key services:

  • Prevent: Order Insight, Consumer Clarity, and Compelling Evidence 3.0 to reduce friendly fraud
  • Resolve: RDR, CDRN, Ethoca, and Mastercom Collaboration for instant refunds
  • PayPal alerts: Real-time notifications for payment issues and disputes
Identify fraud patterns and implement targeted prevention using reason codes that categorize unauthorized transaction types across payment networks.
Fraud reason codes
Learn about fraud codes to identify patterns and improve risk management strategies.

Card networks use specific codes to categorize fraud types. Understand them to:

  • Identify patterns in unauthorized transactions
  • Spot high-risk transaction patterns
  • Implement targeted fraud prevention measures
  • Build data-driven risk management strategies

Respond
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Effective dispute management requires timely responses backed by compelling evidence. Solidgate provides tools to handle disputes through Hub or API, offering structured workflows from initiation to resolution with automated and manual representment options to maximize your success rate in fighting unjustified disputes.

Manage chargeback disputes and streamline response preparation, evidence submission, and representment, from initial notification through final resolution.
Chargebacks
Manage chargebacks effectively to minimize losses and protect your business.

Key capabilities:

  • Real-time chargeback webhooks for immediate notification
  • Comprehensive dispute reports and analytics via API
  • Automated and manual representment workflows
  • Evidence collection, enrichment, and submission tools
Consolidate PayPal dispute inquiries, claims, and external chargebacks into unified metrics that help you track trends, respond promptly, and maintain compliant dispute rates.
PayPal risk metrics
Manage PayPal disputes and chargebacks effectively.

Main features:

  • Understanding internal disputes, claims, and external chargebacks
  • Navigating dispute lifecycle stages from inquiry to escalation
  • Identifying root causes to apply preventive measures
  • Best practices for record-keeping and timely customer communication
Understanding chargeback reason codes is essential for dealing with dispute causes, preparing effective responses, and implementing preventive measures.
Chargeback reason codes
Gain a better understanding of chargebacks nature and manage them effectively.

Each card network defines specific reason codes and understanding these codes helps you:

  • Identify root causes and dispute patterns
  • Prepare appropriate evidence tailored to each reason code
  • Implement preventive measures to address recurring issues
  • Respond within network-defined timeframes

Comply
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Glossary
Card network, or a card scheme, is a financial infrastructure that supports electronic payments by setting and ensuring standards for merchants, acquiring banks, issuers, and processors. Card networks actively monitor monthly dispute and fraud activity to protect cardholders and maintain payment system integrity. When disputes exceed acceptable thresholds, merchants are enrolled in monitoring programs that impose monthly penalties, additional fees, and require corrective action plans. Maintaining compliance is essential to avoid financial penalties and preserve card payment processing capabilities.

Card networks operate monitoring programs to track and penalize merchants for excessive chargebacks and fraud rates, ensuring fair business practices and cardholder protection.
Monitoring programs
Prevent risk by keeping chargeback and fraud ratio below monitoring thresholds.

Maintaining compliant ratios protects businesses from penalties, ensures uninterrupted payment acceptance, and reduces operational costs.