Explain security issues and protection about unwanted threat in E-Commerce. Explain Security E-Commerce Environment. Security Threat in E-Commerce Environment.
Showing how the Chargeback Process works. When a customer files a chargeback, this is done by opening a dispute and asking the issuer to reverse the charge. The Credit Card Company will contact the merchant’s bank who will notify the merchant regarding the same. Detailed analysis and strategies are required to win a chargeback dispute. Chargebackexpertz provides a merchant with the management tools to achieve substantial results.
Explain security issues and protection about unwanted threat in E-Commerce. Explain Security E-Commerce Environment. Security Threat in E-Commerce Environment.
Showing how the Chargeback Process works. When a customer files a chargeback, this is done by opening a dispute and asking the issuer to reverse the charge. The Credit Card Company will contact the merchant’s bank who will notify the merchant regarding the same. Detailed analysis and strategies are required to win a chargeback dispute. Chargebackexpertz provides a merchant with the management tools to achieve substantial results.
Internet based e-commerce has besides, great advantages, posed many threats because of its being what is popularly called faceless and borderless.Privacy has been and continues to be a significant issue of concern for both current and prospective electronic commerce customers. In addition to privacy concerns, other ethical issues are involved with electronic commerce. The Internet offers unprecedented ease of access to a vast array of goods and services. The rapidly expanding arena of "click and mortar" and the largely unregulated cyberspace medium have however prompted concerns about both privacy and data security.
An introduction to eCommerce Platforms for non-technical people. Ben explains some of the key trends in the eCommerce platform and online retail space.
Detecting Fraud and AML Violations In Real-Time for Banking, Telecom and eCom...TigerGraph
FULL WEBINAR: https://info.tigergraph.com/graph-gurus-3
This presentation is an overview of how to minimize fraud with TigerGraph. TigeGraph:
- Enables faster detection of fraud using deep link analytics.
- Modernizes your AML process with case studies across multiple industries.
- Helps you get fewer false positives in your fraud detection workflow.
TigerGraph is addressing these challenges for some of the largest corporations in the world including Alipay, Visa, Uber, China Mobile and SoftBank.
Trade-based money laundering is among the most sophisticated methods for cleaning dirty money. It involves a variety of schemes designed to obscure the documentation of legitimate trade transactions. It’s also one of the most difficult to detect, and a serious challenge for compliance officers and investigators.
Join financial crime compliance advisory and training specialist Michael Schidlow, as he examines one of the most lucrative forms of money laundering.
Trade-Based Money Laundering: What Compliance Professionals Need to KnowAlessa
WATCH WEBINAR - https://www.caseware.com/alessa/webinars/trade-based-money-laundering/
Hundreds of billions of dollars are laundered every year through trade-based money laundering (TBML). Its sophisticated techniques allow criminals to use legitimate trade to disguise the source of illegal proceeds and transfer value across borders without the use of traditional money movement methods.
Laurie Kelly, CAMS shares her knowledge and experiences gained from 20 years in leading the AML, fraud, and sanctions compliance functions for a $145 billion U.S. financial institution that provided extensive trade finance services for global exports of U.S. agricultural products. Attendees learn the fundamentals of foreign trade and trade finance, and why these long-established processes make it so vulnerable to TBML.
We break down the most common TBML techniques, including the Black Market Peso Exchange, over & under invoicing, and others, using real world case studies. Finally, we review the red flags for these activities and how to incorporate transaction monitoring, sanctioned/restricted party screening, and enhanced customer due diligence to mitigate TBML risks.
About Alessa, a CaseWare RCM product:
Alessa is a financial crime detection, prevention and management solution offered by CaseWare RCM Inc. With deployments in more than 20 countries in banking, insurance, FinTech, gaming, manufacturing, retail and more, Alessa is the only platform organizations need to identify high-risk activities and stay ahead of compliance. To learn more about how Alessa can help your organization ensure compliance, detect complex fraud schemes, and prevent waste, abuse and misuse, visit us at caseware.com/alessa.
Connect with us online:
Visit the Alessa WEBSITE: https://www.caseware.com/alessa/
Follow Alessa on LINKEDIN: https://www.linkedin.com/caseware-alessa
Follow Alessa on TWITTER: https://twitter.com/casewarealessa
SUBSCRIBE to Alessa on YouTube: http://tiny.cc/Alessa
Cyber Safety Mechanism: Introduction, brief Introduction about Policies involved in cyber safety mechanism and purpose of implementing cyber security model
Information Technology Law (Cyber Law): Evolution of the IT Act 2000 and Its amendments: Genesis and Necessity, advantages.
How does an online payment gateway work? What important features do reliable payment gateways have? What should merchants look for in payment gateways? Learn these and other answers from our guide - https://goo.gl/PtDiqj
Start accepting payments on your website →→→ https://bit.ly/2xIN1Oj
Whether you are a retail store, restaurant, or e-commerce website, having a credit card merchant account opens doors to new opportunities and revenue streams. Visit us at: https://webpays.com/credit-card-merchant-account.html
Internet based e-commerce has besides, great advantages, posed many threats because of its being what is popularly called faceless and borderless.Privacy has been and continues to be a significant issue of concern for both current and prospective electronic commerce customers. In addition to privacy concerns, other ethical issues are involved with electronic commerce. The Internet offers unprecedented ease of access to a vast array of goods and services. The rapidly expanding arena of "click and mortar" and the largely unregulated cyberspace medium have however prompted concerns about both privacy and data security.
An introduction to eCommerce Platforms for non-technical people. Ben explains some of the key trends in the eCommerce platform and online retail space.
Detecting Fraud and AML Violations In Real-Time for Banking, Telecom and eCom...TigerGraph
FULL WEBINAR: https://info.tigergraph.com/graph-gurus-3
This presentation is an overview of how to minimize fraud with TigerGraph. TigeGraph:
- Enables faster detection of fraud using deep link analytics.
- Modernizes your AML process with case studies across multiple industries.
- Helps you get fewer false positives in your fraud detection workflow.
TigerGraph is addressing these challenges for some of the largest corporations in the world including Alipay, Visa, Uber, China Mobile and SoftBank.
Trade-based money laundering is among the most sophisticated methods for cleaning dirty money. It involves a variety of schemes designed to obscure the documentation of legitimate trade transactions. It’s also one of the most difficult to detect, and a serious challenge for compliance officers and investigators.
Join financial crime compliance advisory and training specialist Michael Schidlow, as he examines one of the most lucrative forms of money laundering.
Trade-Based Money Laundering: What Compliance Professionals Need to KnowAlessa
WATCH WEBINAR - https://www.caseware.com/alessa/webinars/trade-based-money-laundering/
Hundreds of billions of dollars are laundered every year through trade-based money laundering (TBML). Its sophisticated techniques allow criminals to use legitimate trade to disguise the source of illegal proceeds and transfer value across borders without the use of traditional money movement methods.
Laurie Kelly, CAMS shares her knowledge and experiences gained from 20 years in leading the AML, fraud, and sanctions compliance functions for a $145 billion U.S. financial institution that provided extensive trade finance services for global exports of U.S. agricultural products. Attendees learn the fundamentals of foreign trade and trade finance, and why these long-established processes make it so vulnerable to TBML.
We break down the most common TBML techniques, including the Black Market Peso Exchange, over & under invoicing, and others, using real world case studies. Finally, we review the red flags for these activities and how to incorporate transaction monitoring, sanctioned/restricted party screening, and enhanced customer due diligence to mitigate TBML risks.
About Alessa, a CaseWare RCM product:
Alessa is a financial crime detection, prevention and management solution offered by CaseWare RCM Inc. With deployments in more than 20 countries in banking, insurance, FinTech, gaming, manufacturing, retail and more, Alessa is the only platform organizations need to identify high-risk activities and stay ahead of compliance. To learn more about how Alessa can help your organization ensure compliance, detect complex fraud schemes, and prevent waste, abuse and misuse, visit us at caseware.com/alessa.
Connect with us online:
Visit the Alessa WEBSITE: https://www.caseware.com/alessa/
Follow Alessa on LINKEDIN: https://www.linkedin.com/caseware-alessa
Follow Alessa on TWITTER: https://twitter.com/casewarealessa
SUBSCRIBE to Alessa on YouTube: http://tiny.cc/Alessa
Cyber Safety Mechanism: Introduction, brief Introduction about Policies involved in cyber safety mechanism and purpose of implementing cyber security model
Information Technology Law (Cyber Law): Evolution of the IT Act 2000 and Its amendments: Genesis and Necessity, advantages.
How does an online payment gateway work? What important features do reliable payment gateways have? What should merchants look for in payment gateways? Learn these and other answers from our guide - https://goo.gl/PtDiqj
Start accepting payments on your website →→→ https://bit.ly/2xIN1Oj
Whether you are a retail store, restaurant, or e-commerce website, having a credit card merchant account opens doors to new opportunities and revenue streams. Visit us at: https://webpays.com/credit-card-merchant-account.html
Acemerchant Processing is your first choice for merchant processing services, programs and equipment for retailing, restaurant operations, service providers, hotel and lodging businesses, Internet e-commerce marketers, mail order and phone order businesses, and the many business to business merchants who supply and support the industry and the consumer.
Being an entrepreneur is both a challenging and rewarding experience. Unforeseen circumstances, such as chargebacks, can feel intimidating and put a damper on day-to-day dealings. Fortunately, we have solutions to help you overcome the hurdles that chargebacks can throw your way. Read on to learn more about chargebacks and how Merchantech can support your business.
Defend all kinds of Disputes and Fraud through our rigorous Chargeback Prevention Notification System, divided into Six Categories based on priority and fraud. We have even reached out to other associates who are defending Chargebacks each day and included those kinds of notifications as well.
Payments terms can be extremely confusing even for the most advanced merchant. At Payfirma our mission is to equip all our customers with as much information as possible to make smarter business decisions. That starts with learning payments terms.
Navigating Payment Processing | Jay WigdoreJayWigdore
A merchant account is a business account with a bank that allows an organization to accept credit card payments for donations or other products/services.
Recurly software automatically recovers revenue that would otherwise be lost to failed credit card payments– about seven percent of revenue on average. Recurly software also fights churn that would otherwise result from credit card declines and reduces negative customer experiences from credit card hassles.
The solution lies in a powerful tool – the credit card merchant account. Think of it as a bridge between your business and the world of electronic payments. Visit us at: https://webpays.com/credit-card-merchant-account.html
Merchant accounts allow you to unlock the power of online payment acceptance by serving as the link between customer credit and debit cards and your business bank account. Check out this detailed description of the setup process.
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Maximizing Efficiency with Integrated Water Management Systems
Chargeback Mangement Solutions for Merchants
1. Recover
Revenue
with
Chargeback
Responses
Protect
Accounts
with
Chargeback
Alerts
Stay
Informed
with
Chargeback
Monitoring
We recover lost revenue and protect your merchant account from
chargeback fraud, and we’re really good at it.
Your customers rock, but they’re human.
2. Contents
1
2
3
4
Chargebacks, The Other Side card of Payments.
Card Payments Are Complicated
Chargeback Flow & What We Do
Integration Work
8
9
10
11
Why Chargeback.com
Product Overview: Responses & Alerts
Pricing and ROI for Chargeback Responses
Controlling Your Chargeback Ratio and Protecting Your Merchant Account
Reporting Tools That Drive Business Decisions12
2
Getting Started12
3. You’re a merchant, you rely on
cards as your main payment
method. You’re also a
cardholder and know your bank
has your back. If someone uses
your card without your approval
you can easily reverse it.
*Internal analysis using Nielsen Report and Lexis Nexis/Javelin Study
Chargebacks, The Other Side of Card Payments
True Fraud begins either with the
theft of the physical card or with the
compromise of data associated with
the card and results in unauthorized
purchases that get charged back to
the merchant at the cardholder’s
request.
Chargeback Fraud begins with a
legitimate transaction from the
cardholder but is ultimately charged
back to the merchant for a number
of reasons ranging from malicious
pre-meditated planning and
behavior to simple confusion or a
misunderstanding.
So, what happens when a customer commits fraud by
asking their bank to reverse a purchase you delivered as
agreed?
Unfortunately, its entirely up to you to prove that the
transaction was legitimate and delivered as agreed.
This is a common occurrence called chargeback fraud
and it cost merchants $11.2B* in lost revenue in 2015.
Most merchants block suspicious transactions and perform
manual reviews but this won’t stop chargeback fraud. Only
15-30%* of chargebacks are attributable to true fraud.
Most chargebacks are chargeback fraud and can be
recovered by Chrageback.com.
30%
70%
True Fraud
Chargeback
Fraud
3
4. Card Payments are Complicated
With cash transactions the customer simply hands funds directly to the merchant. Card
Payments are more complicated. Ultimately, the customer’s bank transfers funds to the
merchant’s bank but how that gets authorized and scheduled involves many 3rd parties.
= Purchase Request
= Approval or Decline
= Money Flow
Customer Merchant
eComm or POS
Payment
Gateway
Merchant Account
Processor
Network Issuing Bank
Processor
The payment request is sent through multiple companies that represent the merchant or the customer.
Merchant Bank Account
(Acquiring Bank)
Customers Bank
(Issuing Bank)
Federal Bank(s)
(ACH)
If approved, the funds are moved to the merchant’s bank account via ACH transfer.
Data Flow
Funds Flow
4
5. Data Flow
Funds Flow
Chargeback Flow & What We Do
Chargebacks are nearly the exact opposite of the purchase. One very important
difference should be noted: Chargebacks initiate the flow of funds from the Merchant
Bank Account back to the Issuing Bank immediately. No chargeback approval takes place.
Customer Merchant
(Typically finds
out via Monthly
Statement)
Payment
Gateway
Merchant Bank
Processor
Card
Network
Issuing Bank
Processor
Merchant Bank
(Acquiring Bank)
Customers Bank
(Issuing Bank)
Federal Bank(s)
(ACH)
Chargeback
Monitoring
Chargeback
Alerts
Chargeback
Responses
Chargebacks get intercepted
before they reach the Network
and incur fees or change ratio.
Chargebacks get reported to the
merchant to eliminate surprises
and allow for immediate action.
Compelling evidence is sent to the
Merchant Processor so they can
dispute the chargeback and recover
funds from the Issuing Bank.
= Chargeback
= Funds Flow
5
6. Can it be just 5% better? Of course it can. Whatever topic, whatever thing, it
can always be better.
Chargeback Monitoring and Notifications, FOR FREE, FOREVER.
Why Chargeback.com
• With integrations to every major ecommerce platform, payment gateway and
processor we have the unique ability to do something good, and we’re happy to do it.
• Anyone can sign-up online for a free chargeback monitoring account in seconds.
• Once you’re set-up you’ll be the first to know when a new chargeback has been
initiated by a customer.
Chargeback.com was founded in 2009 because chargebacks suck. We knew we could
build tools and train people to disrupt the pains associated with chargebacks. We get
goose bumps every time we recover lost revenue and prevent merchant accounts from
being shut off from chargeback fraud.
6
7. We have two core products available in a fully managed service model or as a software as
a service (SaaS) model. These two products are the industry best because they
consistently outperform our competitors and are continually improved by our team.
Chargeback Responses Chargeback Alerts
Recover Revenue and Intercept Fraud
We continually meet and beat client
expectations when recovering revenue from
chargeback fraud.
Transaction data from ecommerce platforms,
merchant gateways and processors is used to
create comprehensive chargeback responses.
Key data points such as device fingerprinting,
screenshots, AVS checks, network responses are
used to dispute chargebacks.
Last year we processed over 130K
comprehensive and timely chargeback responses
representing $15MM in lost revenue.
A suspended or closed merchant account can kill
a business overnight. Alerts give you the
opportunity to prevent fees, immediately
blacklist a customer and take action to remedy a
situation before the chargeback is received and
recorded against your merchant account.
Our Alert program has the broadest list of
participating banks, processors and partners in
the industry. This allows us to intercept more
chargebacks than any other company.
Last year we immediately acted on 16,500
chargeback alerts for our clients.
7
8. That’s money back in your account!
Chargeback Responses put lost revenue back in your account. You
decide when you need a response; discounts are available.
No set-up fee - No-commitment - No minimums
*Varies by merchant. Average recovery rates for Large Merchants with 100MM+ Annual Revenue is over 90%
Simple Pricing, Worth Every Penny
Chargebacks Fee per Annual Recovered Revenue @ [Average Transaction Amount] Average
Per Month Response $50 $100 $250 $500 $1,000 ROI
1 $15 $540 $1,080 $2,700 $5,400 $10,800 2280%
10 $10 $5,400 $10,800 $27,000 $54,000 $108,000 3420%
100 $9 $54,000 $108,000 $270,000 $540,000 $1,080,000 3800%
500 $7 $270,000 $540,000 $1,350,000 $2,700,000 $5,400,000 4886%
= = ROI
C * T * 90%*
C * F
Annual Recovered Revenue
Total Fees to Recover
C = Annual Chargebacks, T = Average Transaction Amount, F = Fee per Response, ROI = Return on Investment
8
9. Divide
total
chargebacks
by
the
total
transactions
in
a
given
period.
=
Chargeback
Ratio
Chargebacks
Transactions
If
your
ratio
is
near
or
above
1%
in
any
period
you
need
Chargeback
Alerts
now.
Intercepting chargebacks before they hit your merchant account
can be instrumental in keeping operations running and eliminating
fees. To determine the value of Chargeback Alerts for your
business you need to know your chargeback ratio.
Take Control of Your Chargeback Ratio
Typically, the period used to calculate chargeback ratios is one month.
• MasterCard uses the current period’s chargebacks and the previous period’s transactions while Visa
uses the same period for both.
• American Express and Discover Card don’t publish a ratio but will take action if chargebacks become
“disproportionate”.
• It’s safe to assume anything north of 1% would be considered disproportionate.
9
10. The efficiency and speed to complete a chargeback response is dependent on our
data connectivity. The quality of the chargeback response and win rate is not.
Integration Work
Minimum (Access Only)
Credentials (User Name/Password)
for manual retrieval of data.
eCommerce Platform(s)
For gathering compelling evidence such as customer info, shipping info, product images,
descriptions, specifications and other details.
Payment Gateway(s)
For gathering Meta data captured during checkout process such as network auth & approval,
AVS, CVV, IP address and other transactional details.
Better (Data Automation)
Data File via FTP, email or other
means at least once per day.
Best (Real-Time Data)
API Integration with Real-Time
data transfer.
Merchant Account Processor(s)
For receiving and processing responses. The Merchant Processor relies on us to gather
compelling evidence, draft and finalize the chargeback response for them.
Connectivity to each of the three platforms below is necessary.
To enable Alerts we only need Merchant Identification Numbers (MIDs) and
Merchant Descriptors (the messaging that appears on cardholder statements).
These are available from the Merchant Processor.
10
11. 11
Reporting Tools That Drive Business Decisions
Online Reporting Tool Daily/Monthly Emails Quarterly Review
12. After signing up we will begin to monitor your merchant account for
chargebacks. If a chargeback occurs you will be notified immediately via
email. If you would like us to respond for you and attempt to recover your
revenue contact us immediately.
Sign-up Online or Contact Us
Getting Started is Simple
If you would like to enable Chargeback Alerts so you can intercept
chargebacks before they impact your ratio we will need your Merchant
Identification Numbers (MIDs) and Merchant Descriptors (the messaging that
appears on cardholder statements). These are available from the Merchant
Processor.
1. Got to http://chargeback.com/signup
2. Complete the registration form
3. Connect your ecommerce platform,
merchant gateway and processor.
CONTACT
(888) 808-8447
sales@chargeback.com
12