Risk management is one of our biggest assets and helps us minimize merchant losses for the mutual benefit of our merchant customers and ourselves. We have a well structured infrastructure and underwriting staff dedicated to risk management operations, which encompasses underwriting new accounts, monitoring and investigating merchant account activity for suspicious transactions or trends and avoiding or recovering losses. We employ the following systems and procedures to minimize our exposure to merchant fraud and card-not-present transaction fraud:
Underwriting
- Proprietary Management Information Systems
- Merchant Monitoring
- Risk Review Department
- Investigation and Loss Prevention
- Chargeback Monitoring and Prevention Program
- Reserves