Payment security
A key feature
The
Klik & Pay Data Center has the advantage of being
in a privileged location in Geneva, Switzerland, right
at the geographical heart of Europe and linked to the
european backbone by a high speed network that provides
a bandwidth that is suited to the highest access requirements
of our merchants with very high connection volumes.
Since we are aware
that your business depends on our capacity to manage the security of your
data, and because the need for protection and performance is paramount,
CYBERservices has installed the most evolved technologies in its Data Center to transmit data and
develop its own systems for tackling fraud.
Our
payment platform in gateway server mode with authentication
certificates is designed to tackle fraud, and confidential
data (client identity and card number) is, therefore,
only stored by bank partners on specifically secured
banks servers. By using transmissions that are encrypted
according to the highest performing processes, the merchant
is guaranteed against any possibility of fraud. He is
also legally protected as he does not host any sensitive
information on his site.
In addition, Klik
& Pay complies with the recent PCI DSS standards of Visa and
MasterCard by meeting the 15 requirements that make up the security
reference relating to the integrity, traceability and confidentiality of
exchanges, storage and access to sensitive data.
ALERT
AND ANTI-FRAUD SYSTEM
For each
validated transaction, CYBERservices provides the merchant with all the
necessary information to allow him to analyse each of his orders. The
merchant can prevent certain clients from accessing the payment platform
according to several criteria: maximum authorised scoring, maximum
amount, country...
Scoring
:
CYBERservices performs cross-analysis of various data
and, in these scoring procedures, gives each transaction
a mark of 0 to 10.
Examples
of criteria studied for cross-analysis:
 |
Country
indicated on the order form, IP address, distance in Km from the
connection point, country of origin of the credit/debit card, country
of issuing bank… |
|
Concordance
of card issuer with the number |
|
Free
e-mail address, check on all addresses internationally |
|
Anonymous
proxy use |
|
Participation
in spam |
|
Analysis
of history of platform connections
|
|
…
|
E-mail
Alerts :
From the very start, CYBERservices’ teams, dedicated to tackling
Internet fraud, have acquired vast experience in analysing transactions,
thus allowing them to deal quickly with risks. Every day, these teams
analyse all the transactions on the platform and, for those that present
a major risk or anomalies, the merchant is sent an e-mail alert inviting
him to ask for additional details to ensure the authenticity of the
transaction or to reimburse the carrier as soon as possible.
Refused
transactions :
All platform connections are recorded by Klik &
Pay and taken into account when calculating the risk
of fraud. If a bank is interrogated, the grounds for
refusal supplied by the issuing bank are clearly indicated.
Consulting refused transactions is very useful when
analysing the risk score shedding light on client
behaviour.
For
more info about the Credit Card Fraud on Internet,
please
clic
here
