Real-Time Fraud Protection Filters
Over 150 configurable fraud filters built into every white label payment gateway deployment. Velocity checks, blacklists, scoring, behavioral analysis — all operating in real time, all under your brand.
How Fraud Scoring Works
Every transaction passes through your configured filter chain in real time. Each filter evaluates risk signals and assigns a score (0–100). When the cumulative score reaches 100, the transaction is automatically declined — no manual review needed.
Score-Based Decisions
Filters don't just block or pass — they assign weighted scores. A slightly suspicious IP adds 20 points; a mismatched country adds 40. Only when signals accumulate does the system act, reducing false positives.
Per-Merchant Configuration
Each merchant project gets its own filter set. High-risk verticals can tighten thresholds; trusted merchants can relax them. Endpoint-level overrides enable even finer control.
Real-Time Processing
All filters execute synchronously during transaction authorization. No batch processing, no delayed reviews — fraud is caught before the transaction completes.
Specific Error Codes
Each filter returns a unique decline code, so merchants know exactly which rule triggered. This enables precise tuning and transparent fraud management across your gateway.
6 Filter Categories — Complete Protection
From duplicate detection to behavioral analysis, every angle of payment fraud is covered.
Technical Filters
Detect duplicate requests, repeated invoices, same-card reuse within time windows, and transactions on cards with unknown status. Prevent replay attacks and accidental double charges automatically.
Referral Lists (Black / White / Loyalty)
Manage blacklists, whitelists, and loyalty lists across 20+ attributes: cards, IPs, emails, device fingerprints, BINs, and countries. Bulk import via CSV, role-based access, and cross-project synchronization.
Consistency Checks
Compare IP country vs. issuer country, customer name vs. cardholder name (Levenshtein distance), 3D Secure IP consistency, birthday validation, and card expiration proximity — catching mismatches that signal stolen credentials.
Velocity Monitoring
Track transaction frequency across 24h/7d/30d windows for cards, emails, IPs, device fingerprints, and accounts. Detect rising amount sequences, cross-attribute abuse (card used from multiple IPs), and decline rate spikes. Configurable per time window and merchant.
Country & Card Restrictions
IP country trust lists, issuer country whitelists/blacklists, billing country validation, card type restrictions (prepaid, corporate, reward), BIN range monitoring, and payment-method-specific country rules. Full geographic control over your payment routing.
Network Intelligence
Detect anonymous VPNs, proxy servers, Tor exit nodes, and hosting providers. Score IPs by user count and residential vs. commercial classification. Block untrusted network ranges via CSV-uploaded IP lists.
Part of the White Label Payment Gateway
The fraud protection system integrates with every component of your branded gateway:
White Label Gateway
Fraud filters run on every transaction processed through your branded gateway — no additional integration, no separate vendor contracts.
Smart Routing
Routing decisions work alongside fraud scoring — transactions blocked by filters never reach acquirers, saving processing fees and protecting your approval rates.
Payment Orchestration
In multi-PSP environments, fraud filters apply consistently across all connected acquirers — one fraud policy, multiple payment channels.
Chargeback Prevention
Integrated with Ethoca and Verifi for alert-based chargeback prevention. Combined with dispute management, you get end-to-end fraud-to-chargeback protection.
Marketplace Payments
Per-merchant fraud profiles mean each seller on your marketplace gets tailored protection — different risk levels, different filter configurations, one unified dashboard.
FX Rate Engine
Amount-based fraud filters work in both original and converted currencies, ensuring consistent protection across multi-currency transactions.
Protect Your Gateway from Day One
150+ fraud filters, real-time scoring, and full merchant-level control — included in every
white label payment gateway deployment. No add-ons, no extra licenses.
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Frequently Asked Questions
How many fraud filters does Payneteasy's payment gateway include?
Payneteasy's white label payment gateway includes over 150 configurable fraud protection filters covering velocity checks, referral lists, consistency validation, country restrictions, card type filtering, and behavioral analysis — all operating in real time.
How does real-time fraud scoring work?
Each filter assigns a score from 0 to 100. Scores accumulate across all triggered filters during transaction processing. When the total reaches 100, the transaction is automatically declined with a specific error code — enabling precise, tunable fraud sensitivity.
Can merchants configure their own fraud filters?
Yes. Each merchant project has its own filter configuration within the white label gateway. They can enable/disable filters, set thresholds, manage time windows, and maintain their own blacklists and whitelists. Endpoint-level settings override project defaults.
What velocity checks are available?
Velocity filters monitor transaction frequency across 24-hour, 7-day, and 30-day windows for cards, emails, IPs, device fingerprints, and accounts. They detect usage spikes, rising amount sequences, cross-attribute patterns, and decline rate anomalies — all configurable per merchant.
Is fraud protection included in the white label gateway?
Yes. The complete fraud protection system — 150+ filters, BWL management, velocity monitoring, and scoring engine — is built into every white label payment gateway deployment. No separate integration or additional licensing required.