Home > Fraud Protection
Payment Gateway: Authorize.Net
GameStreamer’s payment gateway is Authorize.Net.
Authorize.Net provides a secure, reliable, Internet Protocol (IP) based payment gateway solution and has been validated as being Payment Card Industry (PCI) Data Security Standard compliant.
Maintaining tight security is crucial to GameStreamer and, therefore, we have implemented Authorize.Net’s Advanced Fraud Detection Suite™ (AFDS) and Customer Information Manager (CIM).
The Authorize.Net Advanced Fraud Detection Suite™ (AFDS) is a set of customizable, rules-based filters and tools that identify, manage and prevent suspicious and potentially costly fraudulent transactions
AFDS includes multiple filters and tools that work together to evaluate transactions for indicators of fraud. Their combined logic provides a powerful and highly effective defense against fraudulent transactions.
• Amount Filter – Set lower and upper transaction amount thresholds to restrict high-risk transactions often used to test the validity of credit card numbers.
• Hourly Velocity Filter – Limit the total number of transactions received per hour, preventing high-volume attacks common with fraudulent transactions.
• Shipping-Billing Mismatch Filter – Identify high-risk transactions with different shipping and billing addresses, potentially indicating purchases made using a stolen credit card.
• Transaction IP Velocity Filter – Isolate suspicious activity from a single source by identifying excessive transactions received from the same IP address.
• Suspicious Transaction Filter – Reviews highly suspicious transactions using proprietary criteria identified by Authorize.Net’s dedicated Fraud Management Team.
• Authorized AIM IP Addresses – Ability to designate specific server IP addresses that are authorized to submit transactions.
• IP Address Blocking – Block transactions from IP addresses known to be used for fraudulent activity.
• Enhanced AVS Handling Filter – The Address Verification Service (AVS) is a standard feature of the payment gateway that compares the address submitted with an order to the address on file with the customer's credit card issuer. Provides choice to reject or allow transactions based on the AVS response codes. AFDS includes a new AVS filter that assists the decision process by providing additional options of flagging AVS transactions for monitoring purposes, or holding them for manual review.
• Enhanced CCV Handling Filter – Like AVS, Card Code Verification (CCV) is a standard feature of the payment gateway. CCV uses a card's three- or four-digit number to validate customer information on file with the credit card association. Like the AVS Filter, the CCV Filter provides the additional options of flagging CCV transactions for monitoring purposes, or holding them for manual review.
• Shipping Address Verification Filter – Verifies that the shipping address received with an order is a valid postal address.
• IP Shipping Address Mismatch Filter – Compare the shipping address provided with an order to the IP address of where the order originated from. This helps to determine whether or not the order is shipping to the country from which it originated.
• Regional IP Address Filter – Flag orders coming from specific regions or countries. Ability to customize the filter actions based on an entire geographic area, or select country by country how to process transactions flagged by the filter.
Authorize.Net’s Customer Information Manager (CIM) stores our customers’ sensitive payment information on Authorize.Net’s secure servers for use in future transactions. CIM helps eliminate steps in the checkout process for repeat customers, potentially increasing loyalty and revenue. It also assists with Payment Card Industry (PCI) Data Security Standard compliance.
Alternative Payment Method: PayByCash®.
In addition to “traditional” credit card purchases, GameStreamer offers customers the ability to make purchases via PayByCash® (PBC).
PBC connects merchants who want to reach a global consumer with customers who want or need the ability to pay for goods or services without a credit card.
Paxguard™: PayByCash's Proven Fraud Prevention System
PaxGuard is a proven fraud prevention solution that improves upon traditional fraud prevention methods by automatically and transparently gathering information from multiple sources and transforming that information into actionable intelligence, allowing us to make accurate decisions about accepting payments. The rules applied are customizable, with a robust feature set that tailors behavior to our business needs.
Fraud Evaluation Engine: the heart of the system PBC’s fraud evaluation engine pores over current and historical information, notices changes in purchasing patterns, analyzes the transaction using multiple methods, and determines the fraud risk based on your risk-reach ratio all in a fraction of a second.
In addition to PBC’s proprietary algorithms and employment of 11 years of payment processing history and experience, PaxGuard incorporates a robust feature set that includes device fingerprinting, velocity throttling for customers and devices (computers), geo-location, circle-of-trust radius evaluation, and other techniques and technologies.