# Antifraud Engine: score every payment, block fraud before it costs you

Orchestrapay's Antifraud Engine scores every payment before any processor sees
it, then approves it, steps it up to 3D Secure, or blocks it. Because it sits in
front of every processor you route to, one fraud policy and one history cover
all of your traffic, and you keep them when you change processor.

Page: https://www.orchestrapay.com/products/antifraud

## Signals

- **Card attributes:** brand, type, prepaid and commercial flags, issuer and
  issuing country, read from the card number.
- **Location mismatch:** card country vs IP country vs shipping country.
- **Card fingerprint:** the same card across customers, stores and attempts.
- **Velocity:** cards per IP, attempts per card, customers per fingerprint.
- **3D Secure step-up:** unsure payments are authenticated instead of declined.
- **Rules you write:** allow lists, block lists and thresholds per store,
  country or amount.

## Decisions

1. **Approve:** routed to the processor your routing picks.
2. **Step up:** 3D Secure is forced; liability for fraud on an authenticated
   payment moves to the issuer.
3. **Block:** declined before it reaches a processor, so it never counts against
   your fraud ratio.

## FAQ

**How is this different from my processor's fraud tools?** A processor only sees
the payments sent to it. The engine covers every processor you route to.

**Will it block good customers?** You set the thresholds, can start by scoring
without blocking, and can allow-list known customers and cards.

## Related

- [3D Secure](https://www.orchestrapay.com/products/3d-secure.md)
- [Card Attributes](https://www.orchestrapay.com/products/card-attributes.md)
- [Chargebacks & Disputes](https://www.orchestrapay.com/products/chargeback-management.md)
- [Talk to sales](https://www.orchestrapay.com/contact)