PaxGuard™ Protects You.
Maximize your profit
PaxGuard reduces loss of product and revenues due to fraud and reduces the processing costs associated with fraud investigation without introducing costly manual reviews.
Comprehensive fraud prevention with a single integration
Be wary of systems that claim they have a single answer for fraud prevention. Fraud perpetrators are always changing their attack vectors and fraud schemes to outwit fraud prevention systems. The effectiveness of PaxGuard lies in its comprehensive set of fraud prevention techniques along with market leading fraud detection tools. We continually mine our database to find new ways to identify fraud and create new rules to defend against new fraud attacks.
Never turn away customers
PaxGuard does not simply turn away high-risk customers. It gives you the ability to convert those customers by accepting an alternate, non-reversible form of payment through PayByCash®.
Proven record of fraud prevention
PaxGuard is based on PayByCash’s ten years of experience processing millions of online payments annually. PaxGuard is used by PayByCash and has already reduced fraud rates for some of its merchants from nearly 20% to less than 1%. We are so confident in PaxGuard’s ability to stop fraud, that we will pay you if PaxGuard recommends accepting a fraudulent payment.
Secure, easy to integrate, and transparent to your customers
No matter what language or technologies you use, communication with PaxGuard is over a secure connection using a simple protocol that allows e-commerce systems to receive valuable and actionable responses. PaxGuard does not affect your customers’ order flow by requiring extra information. It also allows you to securely hash your customers’ private data so that PaxGuard can make decisions based on the data without violating your privacy policies.
Merchant manageable fraud detection rules
Nobody knows your customers better than you, so who better to manage PaxGuard? Every e-commerce site wants to maximize its customer reach. However, as you increase reach you also increase the risk of fraud. This risk/reach ratio must be balanced to prevent fraudster access but to also allow honest customers to access your products and services.
Every type of rule PaxGuard uses to evaluate fraud can be customized to meet your unique risk/reach ratio based on your experience with your customers. To get started quickly, your rules are setup with default settings that provide for the average risk/reach ratio.
Payment method agnostic
PaxGuard’s basic evaluation rules work no matter what payment method your customer uses. We also partner with other services to provide specific protections for specific payment methods.
Reduce and mitigate false-positives
PaxGuard’s customizable rules and unlimited number of rule sets allows you to loosen your risk tolerance for certain payments and tighten it for others. This mitigates the overall rate of false-positives. Also, with a PayByCash integration, you can convert even your most risky customers.
Reasonable defaults allow quick setup
PaxGuard’s default settings for rule sets are based on the decade of payment acceptance and fraud detection experience. They provide a great starting point for you to properly adjust the rules based on your company’s experience.
Online reports that help finely-tune your rules
PaxGuard’s online reports are tailored to provide you with customer behavioral information to help tune your evaluation rule settings.