A single solution to protect merchants from stolen and counterfeit card fraud, and secure acquirers against transaction batch and credit abuse by merchants
Using Fractals, NCR is helping to protect card acquiring businesses and their merchants from fraud in today's complex, global retail environment. Fractals helps create a secure and trusted end-to-end payment process, that gives assurance to consumers and enables acquiring businesses to develop safely.
With EMV adoption placing liability for fraud losses on to merchants and their acquirers, Fractals helps protect you against fraud losses from the use of lost, stolen or counterfeit cards. It prevents and detects fraudulent use of debit, credit, prepaid and loyalty cards as well as contactless cards and other contactless payment devices.
Fractals offers in-flight, real-time risk decisions to stop fraud in its tracks. It provides immediate feedback on the reasons for blocking a transaction to give acquirers, payment service providers and processors greater insight into the fraud environment. Fractals also offers an essential tool to research and manage data breaches, significantly reducing the reputational and financial damage such breaches can cause.
To find out more about the impact of EMV on contactless and mobile payment types, download our white paper
By using Fractals, acquirers can build trusted relationships with merchants wherever they are located. Fractals can help detect incidents of credit abuse and the manipulation of batches of transactions by merchants, as well as cases where merchants are operating outside the agreed parameters of their account.
Acquirers can also use the multi-tenancy abilities of Fractals as the basis of bespoke fraud prevention services for their merchants, giving each merchant full and secure access to their own part of the Fractals system. By adding value and benefit to your service to merchants, Fractals helps you create a richer relationship and competitive offering.
As fraud types continue to evolve, and fraudsters develop new methods to exploit any weaknesses in the global payments business, Fractals gives you the flexibility you need to respond quickly and easily to new threats. It combines intelligent, machine-learning analytics and user-specified rules to give you the adaptable, agile fraud prevention solution you need. You can set up and validate your chosen rules in seconds to address the risks your business faces. With Fractals, you can also set up multi-level rules, adapt your existing risk policies, and implement new policies as and when you need to.
Get the EMV white paper