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Payment Guarantee

Stop Card-Not-Present (CNP) fraud and raise approvals backed by a 100% no fraud chargeback guarantee.

Watch Video to Learn More

Payment Guarantee

The time, resources, and expenses spent on dealing with chargeback fraud is a huge burden for most merchants. Worse still, the fear of payment fraud can result in 3% of legitimate transactions being declined—making the fear of fraud more costly than chargeback fraud itself. Payment Guarantee ensures that every approved transaction is free of fraud and removes liability for chargebacks—all while increasing approved transactions through best-in-class, accurate detection.

Improve Accuracy

Gain More Revenue

Inaccurate fraud detection often declines legitimate transactions. Vesta’s machine learning intelligence raises your approval rate by an average of 10% while keeping you safe.

Improve Accuracy

Minimize Cost

Gain insights from Vesta’s 25 years of fraud expertise that help you stop payment fraud based chargebacks and stop wasting time and resources on chargeback remediation.

Improve Accuracy

Reduce Cart Abandonment

Seamless smart pre-authorization decisioning keeps the checkout experience frictionless which reduces cart abandonment while still keeping you safe.

Works with any payment type, in any channel

With omnichannel support, you can guarantee payments are free of fraud from a wide range of channels including web, mobile, tablet, and phones. You can also charge ahead and go beyond credit cards with support for debit, prepaid, Apple Pay, eCheck, and more.

How Payment Guarantee Works

See exactly how Vesta detects fraud, approves more transactions, and guarantees that you stay fraud free.

STEP ONE

Transaction

When a customer checks out, the relevant details about the purchase are sent to Vesta. This is passed via an open API framework that works with a wide range of shopping cart plugins and sends key data sets to the decisioning engine for analysis.

Evaluation Information Includes

  1. The order information
  2. Payment information
  3. Card holder details
  4. Session key with behavior attributes and device information

STEP TWO

Analysis

Once the transaction data is in the decisioning engine, supervised and unsupervised machine learning models built on two trillion data points evaluate the transaction and determine risk. Each component is evaluated using velocity checks, white and black lists, and stepwise regression.

Evaluation Information Includes

  1. Phone numbers
  2. Addresses
  3. Device Information
  4. Geolocation
  5. Zip Codes
  6. Over 292 million credit card numbers
  7. And more

STEP THREE

Deep Learning

Over time, Vesta collects more and more indicators of chargeback fraud—adding to, and refining, a collection of over 25 years of intelligence. Over time, this data increases accuracy, and improves machine learning models.

STEP FOUR

Model Selection

During analysis, the decisioning engine may self-select a different model to use in an effort to gain better risk profiling. Once everything is analyzed, the profiles are then tabulated for a final risk score.

STEP FIVE

Response

A risk decision of approved, denied, or pending is sent back to the Vesta customer along with the risk decision reason. Any transaction that is marked as “approve” gives you the peace of mind that the transaction will not be fraudulent, and is covered by a 100% fraud chargeback guarantee.

STEP SIX

Chargeback

In the case of a chargeback fraud, You can submit a chargeback claim via the vPortal and send the chargeback details. With Payment Guarantee Acquiring Vesta extracts the chargeback claims from the acquirer portal and processes them automatically.

Fast

Analysis typically takes less than half a second

Frictionless

Customers never have to enter extra information or jump through hoops

Flawless

A typical approval rate can be as high as 95%

Get even more with Payment Guarantee Acquiring

Move to a complete payment gateway that processes multi-currency payments, ensures compliance, and automates dispute resolution.

Accept Global Payments

Accept any currency, anywhere in the world, while adhering to global compliance regulations—allowing you to reach customers globally.

Full Compliance

Reduce the risk of the storage of PII, and add PCI compliance to your payment processing for peace of mind and new opportunities.

Automate Resolution

Integration with Payment Guarantee frees up merchants to focus on business, not fraud.

Quick. Compliant. Complete.

Payment Guarantee Acquiring gives merchants a turnkey payment processing solution that brings PCI compliance, full reconciliation, and settlement, refund processing, and a centralized gateway to simplify operations and let them charge ahead

See for yourself

Take our solution for a test spin and see how easy it is to protect your user accounts from fraud and safeguard revenue.

Request a Demo
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WHAT WE DO

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CONTACT

trustvesta@trustvesta.com

503-790-2500

5400 Meadows Road, 5th Floor

Lake Oswego, OR 97035 USA

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