Perpetual Payments Merchant Account: Merchant Accounts - Apply for a Merchant Account Online!

Anti-Fraud Measures

Anti-Fraud Measures

A technical measure or piece of functionality used by a Payment Service to counter fraud and reduce the incidence of chargebacks. See our Anti-Fraud Guidance here.

Voice Commerce Fraud Screening Service

The Transactions the Merchant submits to the Interface go though Voice Commerce's Fraud Screening Service automatically. The Voice Commerce Fraud Screening Service contains several Service elements, which are used to produce the overall decision/warning. Voice Commerce may alter the components used as part of the Voice Commerce Fraud Screening Service to ensure that effective fraud screening can be achieved. There be the facility to report on transactions that are "flagged" with a "potentially higher risk transaction alert". The Service elements of the Voice Commerce Fraud Screening Service, which are managed by Voice Commerce on the Merchant's behalf, are as follows:

Screening Databases

The database Service element of Voice Commerce Fraud Screening allows for the Merchant's Transaction data to be stored and accessed on either a global or private basis. This can include "basic" data elements such as the card number or enhanced data elements that can be collected such as email address, IP address etc.

Voice Commerce's Fraud Analysts add the Merchant's data to the various files. The Fraud Analysts will also propose policies to define when data be added to the files.

Rules Processing

Our Fraud Analysts make recommendations for initial rule sets based upon the analysis of historic Transaction information as well as analysis of historic Chargeback data. Rules are reassessed and updated based upon on going analysis of Transaction and Chargeback data. The updating of rules is subject to rigorous change control procedures.

Luhn Check

Voice Commerce performs a LUHN check, which includes checking the first 9 digits of the card, which validates the Issuing Bank, issuing country, and type of card i.e. Visa.

To apply for the Perpetual Payments Merchant Account today please click the button below.

Perpetual Payments Limited is part of the Voice Commerce Group. | Voice Commerce Limited (company number 5428358) is authorised by the Financial Services Authority under the Payment Service Regulations 2009 (register reference 504312) for the provision of payment services and holds a consumer credit licence (number 624404/1). VoicePay Limited (company number 5042556) has been issued with a small e-money issuers certificate and is regulated for the provision of payment services by the Financial Services Authority. Voice Commerce Group is registered as an ISO/MSP under Visa & MasterCard rules.