Payment Industry Risk Control Solution

Build an Intelligent, Real-time, and Comprehensive Risk Management System to Reduce Fraud Losses

Industry Challenges

Targeting the core pain points encountered by payment institutions in e-commerce scenarios — high difficulty in merchant-side risk control, persistently high fraud/chargeback rates, and continuous decline in authorization rates and channel success rates — we build a two-layer risk control system (merchant and transaction) and provide a lightweight, highly adaptable AI risk control solution. It can be accurately compatible with PayPal's large merchant model, realize custom tailoring for repeat purchase scenarios, and help payment institutions efficiently reduce risks, improve operational efficiency, and stabilize payment channels.

WeTech Solutions

Pre-transaction Risk Control & Fraud Prevention

Key Benefit: Custom AI risk control models specifically tailored for e-commerce scenarios, fully covering the entire transaction chain (pre-transaction, in-transaction, and post-transaction). It precisely blocks various types of fraudulent transactions while effectively avoiding the loss of legitimate transactions caused by over-control. After integration, the authorization rate increases from 85% to 92%, and the payment success rate rises from 77% to 85%, significantly optimizing transaction quality and further improving payment channel success rates.

RDR (Rapid Dispute Resolution)Covers Visa disputes and directly resolves dispute cases through the Visa Resolve Online (VROL) system. Such disputes are not counted in the chargeback ratio, reducing the impact of chargebacks on institutions from the source.
Ethoca Alerts Primarily covers Mastercard, pushing real-time high-risk data (fraud/chargeback) to merchants or institutions, who make independent decisions on whether to issue refunds. Timely refunds proactively avoid the risk of disputes escalating into chargebacks or fraud.
CDRN:Coverage is continuously improving. It pushes real-time high-risk data (fraud/chargeback) to merchants or institutions, who make independent decisions on whether to issue refunds. Timely refunds effectively reduce the likelihood of disputes turning into chargebacks or fraud.

Chargeback Resolution – RDR + Ethoca / CDRN

Recurring Purchase Scenario – Exclusive: Visa CE 3.0 Solution

Applicable to:High-frequency recurring purchases / subscription scenarios.
Key Benefit:Targets Visa Reason Code 10.4 disputes, accurately intercepting friendly fraud before chargeback. Beyond the basic data cost of Order Insight, CE 3.0 operates on a pay-for-performance model (only charging when losses are successfully prevented), reducing costs and improving efficiency.

Core Value

For Merchants

Enables pre-transaction risk screening, providing data support for tiered merchant management and settlement adjustments.

For Transactions

Reduces fraud and chargeback rates across the entire transaction chain, improves authorization and channel success rates, and adapts to large-merchant and recurring purchase scenarios.

For Payment Institutions

Lowers business risk and operational costs, strengthens connectivity with card networks, and enhances market competitiveness.