Glossary
Fraud screening
Fraud screening is the set of checks that decide whether a payment should be attempted and how: rules on amount, country, BIN, velocity and lists, device and behaviour signals, and risk scores from models trained on past fraud. It happens at several points: the platform's rules before routing, the acquirer's and the provider's engines, the issuer's own risk decision in the authorisation, and 3-D Secure as the issuer's check with the payer. Each layer stops some fraud and some good payments.
Rules and scores
Rules are explicit and auditable: block a BIN range, cap attempts per card, require 3-D Secure above an amount, refuse a country for a merchant. Scores are probabilistic: a model weighs hundreds of signals and returns a number the rules act on. Rules are what a payment business controls itself; scores come from providers and specialist vendors and must be tuned per merchant, since a threshold that fits gaming ruins retail.
The cost of screening
Every false positive is a lost sale and a payer who does not come back; every challenge costs conversion. Screening is tuned against the chargeback ratio and the approval rate together, by merchant and by method, and reviewed when either moves.
On the platform
Tranzify applies the licensed client’s own rules before routing: conditions by amount, country of the card, the IP and the payer, BIN range and time window, limits per merchant and terminal, 3-D Secure where the rule or the issuer asks; the risk answers of acquirers and providers are recorded as decline reasons, and the reports show their effect per terminal.
Updated: 2026-11-08