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Antifraud Service

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What Antifraud service module does

For better merchant protection from online credit card fraud X-Cart has an integrated fraud screening facility. Antifraud service is a subscription based service; however with X-Cart license we offer a free trial for antifraud screening.

Antifraud service runs on the servers of our company. We are utilizing MaxMind's GeoIP/minFraud service for Antifraud service. GeoIP databases are 99% accurate on a country level, 85% accurate on a state level, and 80% accurate for the US within a 25 mile radius. But the risk factor is assessed by our unique algorithms based on our substantial experience in online credit card processing and which are specially adapted to be used in X-Cart shopping cart system. No sensitive private customer's information (like name, email address, CC numbers) is sent to our screening servers during antifraud checks.

If fraud screening is enabled, X-Cart transfers non personal data about a placed order to our antifraud service, where the request is processed and estimated risk factor for the order is returned. If risk factor exceeds the specified threshold then the order is delayed for manual check (phone call to a buyer, asking for additional evidence of authenticity etc.). Antifraud system provides a detailed report with an explanation what was suspicious about the order. This functionality is particularly useful when selling goods with immediate electronic delivery (like software, music, content etc.) because this kind of goods are most often ordered using stolen credit cards.

More information about our Antifraud service is available here: http://www.x-cart.com/antifraud_service.html.

Roles in Antifraud module management

If you are an X-Cart GOLD administrator/provider or an X-Cart PRO administrator:

▪You can enable/disable Antifraud service module and adjust its configuration settings (Check out Enabling and Configuring 'Antifraud service').
▪You can view the results of screening of an order by Antifraud service in the order details (Study Using the Results of 'Antifraud service' Check-up).
▪You can use the 'IP Lookup' service to trace the actual physical location of a customer by the IP address from which an order was placed and, if necessary, to measure the distance between the customer's location and any other location, for example, the location of your company, or the billing address provided in an order (See Using the 'IP Lookup' Service).

If you are an X-Cart PRO provider:

▪You do not have access to the results of order screening and 'IP Lookup' service.