Must-Have Payment Gateway Features for High-Risk Merchants
However, for high-risk merchants, it is crucial to select the most appropriate payment gateway as not all gateways conform to the business category of the high chargebacks or fraud. Most high-risk payment gateways facilitate their services with 3D Secure authentication (3DS2), tokenization, or dynamic fraud scoring to manage fraudulent transactions and maximize approval rate. They also have very straightforward multi-currency processing with recurring billing and API integration on Shopify, WooCommerce, or Magento. Typical offshore payment gateways will offer better value for money than domestic services through lower transaction fees, same-day settlement, and white-label options for industries ranging from gaming to retail CBD and forex. In addition, real-time reporting and chargeback dispute capability with retry automation are other tools for protecting revenue loss and enhancing cash flow.
Why Fraud Detection Tools Are Non-Negotiable
A robust payment gateway should be equipped with artificial intelligence fraud prevention, velocity checks, and IP blocking for blocking wicked transactions. Stripe, Authorize.Net, and NMI examine a transaction by learning the transaction behavior of the buyers and preventing any spoofing behavior before leading to chargebacks. Such merchants must have also PCI-DSS Level 1 compliance and end-to-end encrypted security features to guards sensitive customer information. Multi-acquiring routing offers another very important functionality as it will automatically route between processors to maximize approval levels. Finally, checkout has been enhanced for mobile devices, offers one-click payment, and includes subscription management to make life easier for customers anywhere in the world.
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