Fraud protection that stops bad orders, not good customers
Layered, real-time defenses screen every transaction — so you can block fraud and reduce chargebacks while keeping approval rates high.
Layered fraud defenses
Risk scoring
Each transaction receives a risk score based on device, behavior and transaction signals.
Custom rules
Block, review or allow by amount, country, IP, BIN, velocity and more.
3-D Secure 2
Authenticate higher-risk payments with the cardholder's bank and shift fraud liability.
AVS & CVV
Match billing address and security code with the issuing bank.
Velocity limits
Stop card-testing attacks by limiting attempts per card, IP or email.
Manual review queue
Hold suspicious orders for review before capture.
Chargeback management
When a customer disputes a payment, speed matters. PayJunction notifies you as soon as a chargeback is received, shows the deadline and reason code, and lets you upload evidence directly in the dashboard. Clear records, delivery confirmation and good descriptors help you win more disputes — and avoid them in the first place.
Fraud prevention best practices
- Use a clear billing descriptor so customers recognize the charge
- Require CVV on all card-not-present transactions
- Enable 3-D Secure for high-value or high-risk orders
- Rate-limit checkout to prevent card-testing bots
- Keep proof of delivery and customer communications
Learn more about protecting card data on our security page.
Frequently asked questions
What is card testing and how do you stop it?
Card testing is when fraudsters run many small transactions to check stolen card numbers. Velocity limits, bot detection and risk rules block these attempts before they cost you fees.
Does 3-D Secure reduce chargebacks?
Successfully authenticated 3-D Secure transactions can shift liability for certain fraud chargebacks to the card issuer, subject to card network rules.
Can I customize fraud rules?
Yes. You can create rules to block, review or allow transactions based on many attributes.
Related
Ready to accept payments with PayJunction?
Tell us about your business and we'll prepare a quote and a setup plan.
Contact sales