Fraud Guard Platform
TrustnPay unique Fraud detection and risk management platform enables us to manage and monitor each transaction, every random visit of a potential buyer to your website, each attempt to become a member, buy credits or products that you sell.
We utilize this proprietary system which we are constantly improving and is based on technical and behavioral artificial intelligence detection methods. Some of the special tools and detection procedures embedded into the system are:

"Multi Data Cross reference"

• IP Country Match: Check for consistency between card holder's claimed location and computer's IP address
• IP Country: Information about in which country the card holder's computer resides
• IP in High Risk Country: IP verification in high risk areas
• Distance between IP and billing location: Information about exact distance
• IP Region Value: Information about the region in which certain IP address is situated
• IP City Value: Information about the city of the card holder's computer
• IP Latitude/Longitude: Detailed information about the exact location
• IP ISP/Organization Value: Which ISP or organization a certain IP address belongs to

"The Finger Print Identifier logic-match system"

IP Address Location Verification
E-mail verification
• Free E-mail: Check if the card holder uses an address from a free e-mail provider (Hotmail, for example)
• Known Carder E-mail: Check for known fraudster addresses
Issuing Bank Verification
• BIN Country Match: Check for match between the country of card holder's location and the issuing bank's country
• BIN Name Match: Check for consistency between name of the issuing bank and the card holder's claimed bank name
• BIN Phone Match: Check for consistency between card holder's claimed phone number and the issuing bank's information about the customer
Phone Number and Address Verification
• Phone Prefix Location Check: Check for consistency between the card holder's claimed phone prefix and the prefix of the IP adress's location
• High-risk Shipping Address: Verify that a certain postal adress exists
• City, State and Zipcode Verification: Check for consistency
Proxy Detection
• Anonymous Proxy: Checks if card holder uses an anonymous proxy
• Transparent Proxy: Checks if the IP address used for the transaction is listed in the Eurofed database, indicating that the IP address is known for fraudulent transactions
• Check for Spam Source: Scale 0-10, determines likelihood that the IP address is a known spam source
Card Code Verification (CCV)
• CCV is an authentication procedure added by credit card companies to reduce fraud for Internet transactions when card is not present.
Address Verification Service (AVS)
• The billing address given by the customer is checked against the billing address on file at the customer's card issuing bank.
Card Holder fingerprint
When ever a buyer visits a website and attempt to make a purchase, he leaves invisible finger prints. No matter what name he takes upon, computer he uses, or physical location he tries to pay from. The Fraud guard Platform identifies him, track and register his activities. .
"Fraud Detection Analysis"
Through sophisticated logarithms and observable and invisible data collection we identify the buyer as the genuine card holder or as an identity theft case. That happens in real time- before the transaction is approved.

"Inteli-Rules System"

A set of rules used to manage an account and help in the decision process of rating a buyer and a transaction. Some of these rules are:
• Cardholder is blacklisted due to excessive charge backs
• Country is black listed due to excessive fraud ratios
• Buyer's details appear on negative databases
• Velocities
• Buyer uses too many cards

"The Quarantine"

When a buyer is identified as suspicious fraud, the transaction is put into Quarantine (hold). During that time, a decision process is activated in order to try and validate the buyer and save the deal.

"Law enforcement Agencies cooperation plan"

TrustnPay cooperate with law enforcement agencies around the world. Once we track Identity theft fraud- we will communicate the impersonator details to a law enforcement agency close to his physical resident and then follow up on their actions to stop his activities.


The Fraud Guard Platform is monitoring today tens of thousands of transactions with great success, keeping fraud ratios to a friction, while reducing transaction decline ratios constantly.