1

Fraud Prevention

With a full-chain intelligent risk control system, we stop fraudulent risks before they happen — keeping your business secure.

Improve authorization rates and payment success rates, enabling security and growth to go hand in hand.

Smart Screening, Accurate Identification

Efficiently distinguish legitimate transactions from fraudulent ones — avoid blocking good orders due to overly strict risk control, significantly improving authorization rates.

Effective Blocking, Reduced Interference

Precisely block fraudulent and high-risk transactions, reduce failures caused by chargeback disputes, and maintain stable payment success rates.

Experience Optimization, Higher Conversion

Simplify verification steps while ensuring security, improve user experience, and indirectly drive conversion growth.

Data-Driven, Dynamic Iteration

Continuously optimize risk control strategies based on massive data, achieving the optimal balance between authorization rates and risk mitigation.

Core Metrics Improvement Effect

Before

Authorization Rate85%
Payment Success Rate77%

After

Authorization Rate92%
Payment Success Rate90%

Core Value

Maximize business revenue while ensuring security — achieving a win-win between safety and growth.

Stop Chargebacks Before They Happen

  1. Cardholder initiates a transaction inquiry with the issuing bank.
  2. Issuing bank sends a request.
  3. WeTech forwards the request to the merchant.
  4. Merchant retrieves transaction details via the system and returns them to WeTech.
  5. WeTech sends the transaction details back to the issuing bank.
  6. Issuing bank provides the inquiry result to the cardholder — the dispute may be resolved, thereby avoiding a chargeback.

Through deep collaboration with major card networks, Transaction Enquiry Alerts Service can accurately identify risks and issues alerts before a dispute escalates into a chargeback — giving merchants a critical window for communication and resolution.

2

Dispute Resolution

In partnership with Visa, we enable automatic refund for Visa transactions. Using pre-set rule engines, RDR delivers “zero-manual-intervention” chargeback prevention, quickly resolving disputes before they escalate.

Cardholder

Issuing bank

Compliant with rules, not counted toward CB ratio

WeTech

Merchant

  • Avoid high costs associated with disputes and chargebacks
  • Automated decision-making and refunds to reduce operational workload
  • Reduce disputes, chargebacks, and labor costs

Ethoca Alerts – Powered by MasterCard Ethoca and integrated with global issuing bank data, this solution delivers early warnings to merchants before a chargeback is filed by the consumer.

1Issuing bank notifies Ethoca of confirmed fraud and dispute

4Ethoca transmits alert response to issuing bank

2Ethoca sends an alert to WeTech

3Merchant/PSP processes refund to prevent chargeback

2WeTech sends an alert to the merchant

3Merchant/PSP processes refund to prevent chargeback

Real-time alerts across all card networks enable fast merchant response to cardholder disputes, preventing unnecessary refunds and chargebacks.

1Issuing bank notifies Visa of confirmed fraud and dispute

4Visa transmits alert result to issuing bank

2Visa sends an alert to WeTech

3Merchant/PSP processes refund to prevent chargeback

2WeTech sends an alert to the merchant

3Merchant/PSP processes refund to prevent chargeback

Proactive risk monitoring service that delivers real-time card network fraud and dispute data, helping merchants stay on top of every development.

Real-time proactive push

Automatically pushes key risk data such as TC40 (fraud) and TC15 (dispute).

Rapid transaction monitoring

Quickly screen transactions based on real-time data, identify potential risks, and stay informed of risk dynamics.

Timely strategy adjustment

Detect emerging risk trends early, adjust risk control strategies quickly, and effectively avoid large-scale losses.

With direct access to global card network data,

risk information reaches you in milliseconds.

3

Auxiliary Risk Control Tool Services

Email validity verification is a basic yet critical auxiliary risk control tool. Through a real-time API, it quickly checks the status of the email address provided by the user.

Accurate verification, filter out invalid

Quickly validate email format, domain, and account authenticity — efficiently remove invalid data and ensure data quality.

Identify temporary emails, mitigate risks

Accurately detect disposable email addresses, effectively block high-risk transactions, and reduce potential losses.

Improve deliverability, support operations

Ensure accurate delivery of order, logistics, and marketing emails — improve operational efficiency and user communication quality.

Signal quality, assist decisions

Corporate or long-term personal email addresses typically indicate lower transaction risk, providing valuable input for risk control strategies.

Core Value

Start with email verification — enhance data quality, optimize operational efficiency, and build a solid foundation for risk control.

The Card BIN (Bank Identification Number) Lookup service queries the first 6–8 digits of a bank card to retrieve key card information, providing data support for business decisions.

Quick identification, comprehensive info

Accurately identify card network, issuing bank, card type (debit/credit), card level, and issuing country/region — all at a glance.

Auxiliary risk control, precise assessment

Identify cards from high-risk countries/regions or specific risk-prone networks. Help detect anomalies such as mismatches between billing address and IP address.

Optimized routing, lower costs & higher efficiency

Use card BIN information to intelligently route transactions to the optimal channel — effectively increasing payment success rates and reducing processing fees.

Use automated tools to perform comprehensive security and compliance checks on your e-commerce website on a regular or on-demand basis, safeguarding your business operations.

Brand infringement detection

Proactively scan website content to identify unauthorized use of brand elements, trademarks, or copyrighted materials, helping mitigate legal risks.

External link detection

Thoroughly scan external links on your site to identify and flag suspicious or malicious outbound links, protecting your site reputation and user safety.

Traffic analysis

Analyze traffic sources, user behavior paths, and other data to help you understand website performance and optimize user experience.