Within Universal Fraud APIs, Payment Optimization guidance is returned as part of the preAuth response and refined through post-authorization feedback data submitted through update workflows.

Payment Optimization helps clients determine:

How to balance fraud risk, authorization success, and processing costs

Payment Optimization operates across four stages:

Authorization execution by merchant/acquirer

All stages are required to enable continuous optimization.

Payment Optimization consists of three core modules:

Strong Customer Authentication (SCA) Optimization

Each module supports a different aspect of authentication strategy based on regulatory requirements, issuer behavior, and regional considerations.

Industry Specialization

Payment Optimization

repbuilder

passwordless

inrisk

passkey

gateway

deviceserver

mobile

browser

riskID

extract

profiles

index

documentationplatform

returnssolution

protectionproduct

chargebackproduct

fraudproduct

Provides mobile device identification and risk assessment via Software Development Kits (SDKs) for Android and iOS devices.

InMobile

Accertify's post-transaction product that manages the chargeback process for merchants.

Chargeback_Module

The act of a credit card company charging a merchant for goods that a merchant consumer claims they either did not purchase or did not receive. Onus is on the merchant to prove the consumer made the purchase and the merchant delivered the goods.

Chargeback

A service that lets you choose a key field (such as email address) and define the fields you want to collect alongside it to create new data points you can add to the Transaction Detail screen or write rules against.

Profile_Builder

Accertify's platform can monitor the entire fraud lifecycle, including pre-transaction, payment, and post-transaction risk.

Interceptas_Platform

platformname

Device (formerly known as InBrowser) is Accertify’s browser-based data collection solution that gathers transaction and device data from end-user browsers and transmits it to Accertify servers for risk analysis.

Device

A product that collects device attributes, user behavior data, and authentication signals via JavaScript to support risk analysis and decisioning.

Accertify_Data_Collector

A solution that pairs with Fraud Management to mitigate risk associated with claims, adjustments, refunds, returns, reshipping, and exchanges.


CARE

An Accertify product that uses the Interceptas® Data Management Platform to process transaction data and enable users to address their fraud risk.

Accertify_Fraud_Management

The Accertify Case Management feature is the user interface within the Interceptas Platform.

Case_Management

Accertify Risk ID. A cross-client consortium of positive and negative data points.

ARID

An Accertify product that streamlines all aspects of the chargeback management process from review of a client’s payment, to receiving the chargeback, and submitting a representment response

Accertify_Chargeback_Management

Accertify Chargeback Management (ACM) is our official product offering. It helps to streamline all aspects of the chargeback management process from review of a client’s payment, to receiving the chargeback and submitting a representment response. 

A historical reputational data set that produces a risk assessment between 0.000 and 1.000, with the higher probability indicating a higher risk of fraud.

Accertify_Index

A group of Accertify products that analyze device attributes, environmental signals, and behavioral patterns to support event and transactional fraud decisions.

Device_Intelligence

An Accertify product that combines continuous monitoring and machine-learning algorithms to identify risky events that occur on Client websites using the five pillars: Device, Connection, Location, Behavior, and Reputation.

Account_Protection

companyname

alldeviceproductname

Payment Optimization

Topic Intent

Operational Flow

Core Modules

Payment Optimization

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Operational Flow

Core Modules

Topic Intent