N-Genius Online provides a multi- tiered approach to Fraud Screening and prevention. This includes a highly customizable set of internal Risk Rules, support for 3D-Secure protocols and enhanced screening from a fraud engine.
Enhanced Fraud Screening
The enhanced fraud screening takes place, after 3D-Secure authentication and Issuer Authorization. The model is commonly known as ‘Post Auth Fraud Screening’.
It is important, if you are registered for enhanced screening, that when a transaction is Fraud Checked with a status of rejected, you do not deliver the goods or services. To avoid card-holder impact, the Ngenius platform will automatically initiate an Authorization Reversal, to remove the shadow from the cardholders account and release their funds.
This Authorization reversal will have a status of ‘successful’. Which ensures the card-holder amount is no longer impacted. This success status should not be interpreted as a successful payment. Goods and services should not be released.
The N-Genius platform offers a feature that allows you to override the fraud screening response. It is strongly recommended that if you are to use this feature, you contact the card-holder to confirm authenticity before manually overriding the Fraud Reject. If you wish to override a Fraud Reject outcome, please contact your relationship manager to have the ‘Fraud Override’ service enabled on your account (Subject to approval from NI credit risk).
Updated over 2 years ago