Adyen Risk Management Manual

Adyen Betalingsterminal Risk Management

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Risk Management

Risk management consists mainly of dealing with transactions

that are reversed after the product of service has been delivered.

For merchants this means that revenue is lost so it is important to

keep control over this process.

This whitepaper describes Adyen’s innovative way to deal with

fraud and risk management. The most important question to

answer is how to minimize fraud costs while maximising revenues.

MANAGING CONVERSION AND RISK

Adyen’s payment system is built to optimise conversion for its

merchants — the hosted payment pages offer a high degree of

customisation and have been thoroughly tested to make it as easy

as possible to pay.

However, accepting payments also means accepting the risk for

transactions that will be reversed later on. These chargebacks can

occur for both credit cards and debit payment methods. Possible

reasons for chargebacks are:

•Fraud, where a credit card or bank account of someone else

is used by a fraudster

•Not enough balance on a bank account (especially with

direct debits)

•The transaction is not recognised by the cardholder who

made the payment

•There has been a problem in the delivery or return of the

product

Therefore, a risk management system is needed that can detect

transactions that are viable to be reversed in a later stage.

Although not all chargebacks can be detected beforehand, it is

still possible to detect and avert most of the fraudulent

transaction attempts.

ADVANTAGES:

·FULLY MANAGED RISK SYSTEM

·GET REAL-TIME INSIGHT

·HIGHLY CUSTOMIZABLE

·BLOCK FRAUD EFFECTIVELY

·OPTIMIZE FALSE POSITIVES

·WHAT-IF ANALYSIS TOOLS

·CHARGEBACK-LEVEL MONITORING

·INTEGRATED WITH PAYMENT

PROCESSING

Minimize false

positives,

maximize revenues

MANAGING FALSE POSITIVES

For every blocked transaction, there is a chance that it

would have been a legitimate transaction. So a fraud

protection tool that is setup too rightly will block many

genuine transactions, and therefore have a negative

impact on revenues.

These transactions are called false positives:

transactions that a fraud system triggered as potentially

fraudulent (therefore having a ’positive’ result of the

fraud check and subsequently blocked) but which

actually would have been normal transactions not

resulting in a chargeback.

CHARGEBACK LEVEL MONITORING

The card schemes’ Chargeback Programs are designed

to reduce excessive chargebacks and fraud. These

programs are activated if the CTR

(Chargeback-to-Transaction) ratio rises above a certain

level, for instance 1% which would mean that more

than 1% of your transactions result in a chargeback.

If you are in such a program (for a certain period), then

ﬁnes may be levied. Depending on card scheme, the

exact rules may vary. Adyen’s account managers can

bring merchants up-to-date regarding these

regulations.

The Adyen backofﬁce contains a real-time monitor per

merchant account of the current CTR levels. Of course,

chargebacks can still occur after a long time, so the

value for last month can still increase in subsequent

months.

MANAGING THE SETTINGS

The risk management system calculates the ﬁnal score

based on many checks that are performed on a

transaction. We will discuss some of the individual

checks further on in this whitepaper. Every check can, if

triggered, add a score to the total fraud score.

This means that merchants can experiment with the

settings to ﬁnd the optimum between blocking too

many transactions and letting too many transactions

pass through. During setup of the merchant account

with Adyen, the account manager at Adyen will assist

and advise on a good starting point. But it is also part

of our standard operations to keep monitoring

performance of individual, industry-speciﬁc and global

risk management settings within Adyen.

There are several classes of real-time checks Adyen

performs on each transaction:

1. Referral list checking of card numbers, email

addresses, ip addresses: the comparison of data

points against a variety of databases.

2. Consistency checks like comparing countries of

the card issuer, card holder and merchant: the

comparison of data points against each other.

3. Frequency/Velocity checks (e.g. how often did

the shopper make a payment attempt in the last

hour).

Produkt Specifikationer

Mærke:	Adyen
Kategori:	Betalingsterminal
Model:	Risk Management

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