[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"questions:item:en:what-is-anti-fraud":3},{"id":4,"title":5,"answer":6,"body":7,"category":80,"description":81,"extension":82,"meta":83,"modifiedAt":84,"navigation":85,"pairId":86,"path":87,"publishedAt":88,"question":89,"relatedPath":90,"seo":91,"seoTitle":92,"sitemap":93,"slug":94,"stem":95,"translationSlug":96,"__hash__":97},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-anti-fraud.md","What Is Anti Fraud","Anti-fraud is a system that scores the risk of every operation before it goes through and stops the suspicious ones. It looks not at a single buyer but at behaviour: how many attempts in a row, from which country, how typical the amount and the item are for this merchant.",{"type":8,"value":9,"toc":73},"minimark",[10,13,18,34,38,49,53,64],[11,12,6],"p",{},[14,15,17],"h2",{"id":16},"what-it-scores","What it scores",[19,20,21,25,28,31],"ul",{},[22,23,24],"li",{},"Attempt frequency: several declines in a row from different cards is a classic sign of carding.",[22,26,27],{},"Geography: a mismatch between card country, IP and delivery address raises the risk.",[22,29,30],{},"Amount and item: a ticket unusual for the merchant stands out against normal operations.",[22,32,33],{},"The history of the card and the device across the payment system network.",[14,35,37],{"id":36},"why-it-fires-on-honest-buyers","Why it fires on honest buyers",[19,39,40,43,46],{},[22,41,42],{},"It estimates probability, not fact: some legitimate operations inevitably look suspicious.",[22,44,45],{},"A buyer may pay while travelling, from someone else device or through a VPN — all deviations from the norm.",[22,47,48],{},"A first purchase on a new card looks riskier than a repeat one.",[14,50,52],{"id":51},"what-to-do-as-a-merchant","What to do as a merchant",[19,54,55,58,61],{},[22,56,57],{},"Do not ask the buyer to retry repeatedly: a series of declines only pushes the risk score up.",[22,59,60],{},"Offer another method — SBP or a payment link — instead of re-entering the same card.",[22,62,63],{},"Keep the item description and merchant name clear: mismatches deepen suspicion.",[11,65,66,67,72],{},"Why a bank declines a payment with money on the card is covered ",[68,69,71],"a",{"href":70},"\u002Fen\u002Fquestions\u002Fwhy-a-bank-declines-a-payment","separately",".",{"title":74,"searchDepth":75,"depth":75,"links":76},"",2,[77,78,79],{"id":16,"depth":75,"text":17},{"id":36,"depth":75,"text":37},{"id":51,"depth":75,"text":52},"security","Anti-fraud scores the risk of every operation and stops the suspicious ones. What it looks at and why it sometimes fires on an honest buyer.","md",{},null,true,"question-35","\u002Fen\u002Fquestions\u002Fwhat-is-anti-fraud","2026-08-17","What is anti-fraud and why does it decline payments?","\u002Fen\u002Fgetpayments",{"description":81},"Anti-fraud: why payments get declined",{"loc":87},"what-is-anti-fraud","en\u002Fquestions\u002Fwhat-is-anti-fraud","chto-takoe-antifrod","KDlnNOyZkHrccFQbqy1TEie9AydiWmtTGxKRaimdCCc"]