Stop Fraud,
Keep Good Customers
Know who to green-light, and who to challenge using PayFirmly’s real-time intelligence and configurable risk workflows.
Adaptive Risk Orchestration for Global Payments
Chargebacks trigger a complex, costly dispute cycle. Make sure to Treat chargebacks as a KPIs, monitor them weekly/daily and have a mitigation plans.
Risk API & Webhooks
Configure as Code
Compliance Ready
Pre-chargeback Prevention
PayFirmly helps you to recover from soft declines and prevent chargebacks before it hits your ratio.
Intelligent Fraud Prevention with Real-Time Scoring
Real-time Risk Scoring
Device, IP, BIN, geo, velocity, behavior, and historical signals in one score.
Dynamic 3D Secure
Step-up only on risky orders to shift liability while keeping conversion high.
Velocity & Pattern Controls
Card, Email, Address, Order-value limits; list burst detection.
BIN/Geo Policies
Route-allow-deny by issuer BIN, country, MCC, card brand, and prepaid/commercial flags.
Effective Intelligent Routing
Score Pre-Auth
<200 ms risk score on device, identity, BIN/MCC, geo/IP, velocity, and behavior. Action: approve / step-up / block.
Explainable Risk
Deterministic reasons on every decision (geo mismatch, proxy/TOR, mule patterns, high-risk BIN, velocity spike) for fast tuning.
Signal Graph
AVS/CVV, 3DS2 data elements, device fingerprint, email/phone reputation, account age, cohort history—normalized and versioned.
SCA/3DS Orchestration
Policy-driven PSD2: apply TRA, MIT, low-value exemptions when eligible; trigger step-up only when required; full audit trail.
Adaptive Friction
Dynamic routes: soft-decline → 3DS retry; risky cohorts → step-up; trusted segments → pass-through. Optimize approval rate, not block rate.
Closed-Loop Learning
Ingest chargebacks, issuer responses, and manual reviews. Auto-recalibrate thresholds, spot anomalies by product/campaign/region, A/B rules safely.
Choosing the Right Payments Partner
Explainable Decisions
Every approve / step-up / block includes reason codes, scores, and exportable logs.
Transparent Impact
Approval lift vs. fraud/chargeback cost, net margin by BIN/MCC/cohort.
Real-Time Visibility
Live auth/fraud dashboards, anomaly alerts, 3DS/SCA status per transaction.
Complete Prevention Stack
Device & identity graph, velocity rules, ML scoring, 3DS orchestration, network tokens—unified across PSPs.
Start Optimizing Your Payments Today
Experience the power of intelligent transaction routing and a seamless payment ecosystem with PayFirmly.
