Risk & fraud controls
topropay scores every payment in real time. Trusted buyers clear fast. Risk gets a step-up or a block. The same engine that routes across hundreds of EU acquirers also screens, authenticates and defends each transaction — behind one API.
Four controls, one engine
Fraud control is not one switch. It is scoring, authentication, rules and recovery working together. topropay runs all four for you, tuned to your own risk appetite.
Each authorisation is scored on device, BIN, geo, amount and velocity. Trusted traffic flows straight through. Risky traffic is held, stepped up or routed for review — all before capture.
Strong Customer Authentication runs per payment under PSD2. Exemptions are checked live. Low-risk baskets stay frictionless. The checkout only sees a challenge when the data says it should.
Set limits per card, per device, per IP and per market. Block, allow and review lists are yours to edit. Policy is declarative, so a risk analyst changes it without a code release.
Disputes are pulled from each acquirer into one queue. Evidence is gathered and packaged for the issuer. Repeat offenders are flagged. You work one workflow, not one per bank.
The path of one decision
One API call carries the whole risk decision. Here is what happens between your checkout and a clean approval.
Your checkout sends one authorisation. We read device, BIN, geo and behaviour signals in the same call — no extra integration on your side.
The risk engine scores the payment in milliseconds. It weighs your rules against live fraud patterns seen across the network.
Trusted payments clear at once. Borderline payments get a 3DS2 step-up. Clear fraud is blocked before any money moves.
Every outcome feeds back into scoring. Declines, disputes and recoveries land in one report your finance and risk teams share.
Trust, as infrastructure
Card numbers are tokenised inside our PCI DSS Level 2 vault. Your servers see a token, not a card. That shrinks both your risk and your audit scope.
SCA logic and exemption checks ship with the platform. As rules move toward PSD3, the controls move with them. You do not rebuild a thing.
Fraud signals are shared across the network in an anonymised form. A pattern caught on one acquirer helps protect your traffic too.
Book a discovery call. We map your current decline and chargeback rates, model the lift from smart scoring and 3DS2 routing, then scope a single-API rollout across your EU markets — no PSP renegotiation, no stack rebuild.
Related