AIPower01
Device & IP context
Review device consistency, IP location and unusual network patterns as assessment requirements.
RISK & DISPUTES / AIPOWER PAYLess exposure.
Less exposure.
A clearer response.
Reduce exposure to fraud, chargebacks and payment losses with a risk approach spanning before, during and after payment. Connect dynamic 3DS, Ethoca alerts and RDR with dedicated account-manager follow-up.
02 / REAL-TIME RISK ASSESSMENTUnderstand the signals.
Understand the signals.
Put each payment in context.
Define the signals needed to assess an incoming payment. Your account manager confirms which data sources and real-time checks are available for your integration before activation.
02
Address & card context
Identify useful billing, delivery and permitted card-reference checks without exposing sensitive payment data.
03
Behavior & payment history
Consider unusual purchase patterns, repeat attempts and relevant historical outcomes when defining the risk approach.
03 / RISK RULESDefine the conditions.
Define the conditions.
Agree the response.
Discuss rule requirements with your account manager. Available controls, configuration ownership and merchant self-service access must be confirmed for your setup.
Amount & frequency
Define transaction-value limits and repeated-attempt patterns that warrant closer review.
Country & BIN
Identify market and card-issuer contexts relevant to your approved business profile.
Proxy networks & blocklists
Discuss network-risk indicators and the ownership, review and expiry of blocklist entries.
Device relationships
Assess whether linked-device patterns are relevant and which supporting signals are available.
04 / DYNAMIC 3DSMatch authentication
Match authentication
to the payment context.
AIPower supports dynamic 3DS strategies. Align authentication requests with transaction risk, applicable requirements and the capabilities of the payment connection.
01
Exemption requests
Where permitted and supported, request an applicable exemption. An exemption is not guaranteed, and the issuer may still require authentication.
02
Frictionless authentication
Share relevant transaction context so the issuer can assess the payment without an additional customer challenge when appropriate.
03
Challenge authentication
Support an issuer-requested verification step when additional authentication is needed. Keep the customer journey clear and the outcome connected to the order.
05 / CONNECTED DISPUTE PREVENTIONEthoca and RDR.
Ethoca and RDR.
Act earlier, with context.
AIPower has integrated Ethoca and RDR. Your account manager helps confirm enrollment, coverage and the response policy for your merchant setup.
Receive an earlier warning.
Ethoca shares fraud and dispute alerts from participating issuers. Match the alert to the order, verify fulfillment and refund status, and take the appropriate action within the applicable response window.
How Ethoca alerts work ↗Resolve eligible pre-disputes.
Rapid Dispute Resolution uses agreed rules to automatically resolve eligible Visa pre-disputes with a credit to the cardholder. Confirm enrollment, rule criteria and financial treatment before activation.
How RDR rules work ↗Keep ownership clear.
A dedicated account manager follows up on risk matters. Agree who verifies orders, approves any manual refund, records the outcome and escalates unresolved cases.
A clear response workflow
- Match the case. Connect the alert or pre-dispute to the payment and merchant order.
- Check prior actions. Review fulfillment, existing refunds and resolution status to avoid duplicate action.
- Apply the agreed response. Follow the relevant alert process or RDR rules; record the result.
- Escalate and review. Involve your account manager when further action or an evidence response is needed.
06 / DISPUTE EVIDENCEPrepare the right records.
Prepare the right records.
Tell the transaction story.
Organize evidence around the dispute reason and submission requirements. Confirm the submission channel and any dashboard upload or case-management features with your account manager.
01
Order & policy records
Retain the order reference, item description, purchase terms, refund policy and any relevant evidence of customer acceptance.
02
Fulfillment & delivery
Prepare shipping, tracking and signed-delivery records for goods, or appropriate service-delivery and access records for digital products.
03
Customer communications
Keep relevant support conversations, cancellation requests and resolution history in chronological order.
04
Payment & device references
Link permitted transaction, authentication, refund and device records to the case, using only relevant data and approved secure channels.
07 / RISK MONITORINGReview the indicators.
Review the indicators.
Understand the underlying trend.
Use these measures to structure operational reviews with your account manager. Confirm which indicators are available in your dashboard, their refresh timing and export options.
| Indicator | Review focus | Definition to agree |
|---|---|---|
| Fraud rate | Reported fraud and emerging transaction patterns. | Data source, count or value basis, denominator and reporting period. |
| Chargeback rate | Dispute patterns by reason, market or channel where available. | Scheme-specific calculation, reporting lag and applicable period. |
| Refund rate | Refund activity and its relationship to sales and customer issues. | Count or value basis, partial refunds and included transaction states. |
| Alert volume | Ethoca alerts, response status and unresolved cases. | Unique-case counting, covered sources and resolution categories. |
| RDR resolutions | Eligible cases resolved under the agreed rules. | Resolution status, credited amounts and reconciliation references. |
| Card-scheme indicators | Relevant monitoring requirements and developing risk exposure. | Applicable program, merchant scope and current scheme methodology. |
08 / MERCHANT RISK HEALTHA dedicated manager.
A dedicated manager.
A practical next step.
Work with a professional account manager to follow up on risk concerns, clarify responsibilities and coordinate the next steps for your business.
Discuss your risk requirements ↗Review the applicable requirements.
Discuss relevant Visa and Mastercard monitoring programs, current thresholds and the scope that applies to your merchant account.
Investigate the drivers.
Review available fraud, dispute and refund information alongside fulfillment and customer-support issues.
Agree an action plan.
Assign follow-up owners, response priorities and review timing appropriate to the issue.
Revisit the outcome.
Assess progress with your account manager and adjust the agreed operational approach.
Start with your actual risk profile.
Share your business model, target markets and current risk challenges. We will confirm alert enrollment, available controls, reporting access and the support process for your setup.