What it is, and why it matters.
Fraud prevention is a balancing act: block too little and you absorb chargebacks; block too much and you decline paying customers. Blunt rule sets tuned for the average business tend to do both at once for merchants in complex commerce.
Vertlo scores transactions on velocity, geography, device, and customer history, then acts proportionately — approving clean transactions, stepping up borderline ones with 3DS, and routing genuine risk to review. Behind the model sits a team that knows your account.
Fraud control without collateral damage
Approve more good customers
Proportionate scoring reduces false declines that flat rules would trigger.
Step-up, not shut-down
Borderline transactions get 3DS friction instead of an outright block.
Chargeback prevention
Signals feed dispute prevention and evidence preparation before they become losses.
Human-backed review
A risk team manages the queue with you rather than leaving you to a support form.
Inside the risk engine
Configured with your acquiring, routing, and reporting during onboarding — and supported by a team that knows the account.
Book a call→Transaction scoring
Velocity, geography, device, session, and history blended into a per-transaction score.
Risk-based 3DS
Step-up authentication applied only where the score and rules call for it.
Review queue
Flagged activity routed to a workflow, not lost in a feed.
Dispute prevention
Signals inform alerts and evidence so disputes are contested from a position of strength.
Configurable rules
Thresholds and actions tuned to your category and appetite, within compliance limits.
Where fraud prevention earns its place
High-ticket orders
Larger transactions get step-up authentication tuned to protect the sale, not scare it away.
Subscription rebills
Recurring cohorts are scored for anomalies without punishing loyal customers.
New-market launches
Unfamiliar geographies are monitored closely while legitimate demand is allowed through.
Fraud prevention FAQs
Answers to the questions merchants ask most about this part of the platform.
How does transaction scoring work?
Each transaction is evaluated against signals including velocity, geography, device and session, and customer history. The blended score drives whether it is approved, stepped up with 3DS, or sent to review.
Will fraud controls hurt my approval rate?
The goal is the opposite. Proportionate action — approve, step up, or review — reduces the false declines that blunt rule sets cause, protecting good revenue.
Is there a human element?
Yes. A risk team works the review queue and dispute evidence with you. The model assists people; it does not replace judgement on the cases that matter.
Do you guarantee zero fraud or chargebacks?
No responsible provider can. Vertlo reduces exposure and manages disputes actively, but every business remains subject to risk, underwriting, and compliance review.