Fraud and risk
Velocity rules, BIN and device lists, and a manual review queue — tuned per merchant, not per industry stereotype.
Risk scoring on every payment, block and allow lists you control, a review queue for the grey area, and your dispute ratio tracked against the schemes' thresholds before they act.
What it does
- 01
Block and allow lists by BIN, email, IP, country, card fingerprint and device, with reasons and expiry.
- 02
A risk score and decision on every payment, visible in the transaction detail with the signals behind it.
- 03
Dispute and fraud ratios against Visa and Mastercard monitoring thresholds, with warnings at 75 % of a limit.
In practice
Every decision, signed and delivered.
Risk decisions, declines with their codes and 3-D Secure results are on the payment object and in the events you subscribe to.
curl https://cleared-pay.com/api/v1/webhook-endpoints -H "Authorization: Bearer cp_sk_test_..." \
-H "Content-Type: application/json" \
-d '{"url":"https://merchant.example/webhooks/cleared-pay","enabled_events":["payment.declined","payment.captured","dispute.*"]}'
# → 201 { "id": "whe_...", "secret": "cp_whsec_..." } ← shown onceTell us what you're building. We'll tell you what we can do.
A short form, a real underwriter, and a clear answer on methods, pricing and timing.