iSpyFraud^TM Rules Based Fraud Management

Prevent Online Credit Card Fraud & Reduce Chargebacks

iSpyFraud^TM is a rule-set based fraud management utility that allows merchants to configure extensive filters to help them in detecting and protecting against fraud and screening suspicious transactions. Its extensive reporting system gives merchants a quick and easy way to review transactions, block suspicious activity, and identify malicious users or activity.

iSpyFraud^TM looks at transactions both before and after processing the credit card, and it is able to decline credit card transactions before and after authorization. The successful implementations and reductions in chargebacks across numerous merchants is a true a testament to the effectiveness of this credit card fraud prevention product!

Additionally, iSpyFraud^TM allows the user to set a limit on the amount that may be charged in a single transaction, in a day, month, or even a week. iSpyFraud^TM also allows the user to limit the number of transactions that may be performed in a day or week. These limits on transactions or amounts may be linked to a credit card number or IP address.

CyoGate offers numerous tools and techniques to help minimize chargeback ratios. If you need assistance with managing chargebacks, please contact us today!

iSpyFraud Rule Configuration

iSpyFraud's power comes from its configurable rule engine. Merchants can set filters based on any combination of the following criteria:

• Transaction limits — maximum charge amount per transaction, per day, per week, or per month — linked to a specific card number or IP address
• Transaction frequency — maximum number of transactions allowed from a single card or IP address within a defined time window
• IP address screening — block or flag transactions from specific IP addresses, IP ranges, or geographic regions
• BIN-based rules — flag transactions from card BINs associated with high fraud rates or specific geographies
• Velocity rules — detect rapid-fire testing patterns characteristic of card-testing fraud, where fraudsters run small test charges before large fraudulent purchases
• Custom fields — apply rules to merchant-defined fields passed through the gateway API for business-specific screening logic

Pre-Auth and Post-Auth Screening

Unlike simpler fraud tools that only screen before authorization, iSpyFraud™ operates both before and after the authorization request. Pre-auth screening declines suspicious transactions before the card is charged. Post-auth screening can void transactions that match rules even after an authorization response is received — catching fraud patterns that only become apparent after the authorization completes.

iSpyFraud and Chargebacks

The majority of fraud-related chargebacks originate from unauthorized card use — someone using stolen card data to make purchases. iSpyFraud screens these transactions out before they process, preventing the fraud loss and the chargeback. For dispute patterns driven by legitimate customers rather than fraud, chargeback prevention services provide the complementary solution. Together, they address both primary chargeback sources.

Merchants in high risk industries particularly benefit from iSpyFraud because their processors monitor chargeback ratios closely — a single month above threshold can trigger review, reserve increases, or account termination. Proactive fraud screening keeps volume and ratios in check.