Stay ahead of card testing attacks
Account Takeover Protection
Prevent bad transactions before they take place by protecting customer accounts. Our solution can identify suspicious account activity, so you can keep fraudsters at bay.
Account related fraud occurs when fraudsters use stolen consumer credentials (typically username/email and corresponding passwords) to take control of an existing account. These same individuals may also use stolen personal information to establish new fake accounts. The fraudsters can then use these accounts to carry out unauthorized activities, including loyalty fraud, card testing and bad transactions.
Block fraud at the account level to avoid bad transactions
Compromised accounts can ultimately produce more fraudulent transactions, along with the associated chargebacks, loss of inventory, and dispute resolution costs.
By identifying and reducing account fraud up front, you could remove the potential for bad transactions and related costs downstream.
Safeguard your loyalty programs
Fraudsters are also on the lookout for weak points in loyalty programs. In this scenario, cybercriminals takeover good customers' accounts to steal reward points and resell or redeem them.
Account Takeover Protection monitors high-risk behavior at account access, purchase and redemption of points—so you can protect your incentive programs and drive customer loyalty.
More fraudsters are using botnets to superpower their card testing schemes. In these attacks, fraudsters run thousands of low-value transactions on a merchant's site to "test" the validity of card details. By the time merchants notice, they often face a staggering number of authorization fees, and the chargebacks may jeopardize their standing with major processors.
Promote customer trust and recurring revenue
Account related fraud can have far-reaching consequences for victims, negatively impacting brand loyalty and recurring revenue. Account Takeover Protection can keep both your users and your reputation safe while ensuring your good customers enjoy a seamless experience on your site.
Protect customer accounts from credential stuffing
Cybercriminals use sophisticated methods to access accounts. The now prevalent use of botnets means fraudsters can conduct large-scale automated login attempts to validated and use stolen credentials. This, credential stuffing, puts businesses at risk of account related fraud. Account Takeover Protection screens for credential stuffing to help keep your business safe.
27%
of merchants globally are impacted by loyalty fraud1
50%
of merchants indicated that improving customer experience as the most important fraud management priority in 2021 up from 27% in 20191
23%
of merchants globally are impacted by account takeover1
See how Account Takeover Protection works
Flexible interface and rules engine
A flexible rules engine identifies suspicious activity based on the requestors behavior, email, device and other attributes. You decide whether to accept, reject or challenge account related requests.
Performance reports
These reports help you understand what rules are triggering, and with what resulting outcome, which in turn can assist with rules optimization and better service performance.
Account Takeover Protection operates on the same platform as our payment risk review service Decision Manager, providing the critical ability to share learnings from the payment side to the account review side, and vice versa. By using Account Takeover Protection in combination with Decision Manager, you can access information about pre-purchase account activity during review. Since Account Takeover Protection leverages the same integration, customers using Decision Manager can easily add the Account Takeover Protection service. Enable Account Takeover Protection and start safeguarding your customer accounts today.
Understanding account takeover and its impacts
Learn what account takeovers are and how they can impact a business and its customers.
How real is the loyalty fraud threat?
Fraudsters who successfully take over accounts will take anything that has immediate or resale value—and that includes loyalty points and rewards.
Identifying and preventing loyalty takeover fraud
Learn about the steps your business can take to guard against account takeover and loyalty fraud, and preserve customer trust.