OPERATIONS SERVICES
Fraud & EMV
No matter the channel of commerce, every merchant must be prepared to combat fraud using an arsenal of tools. W. Capra leads the development of fraud strategies, fraud vendor selection, and implementations in numerous verticals to mitigate risk and exposure that merchants will continue to thwart fraudsters for years to come.
W. Capra implements the most recent advancements in risk reduction technologies including EMV, 3D Secure 2.0, and Click to Pay (SRC). In the card present space, W. Capra assists clients with all phases of EMV projects including requirements, communications, deployment, and certification for both contact and contactless interfaces. For card not present (CNP) risk reduction, W. Capra implements the latest technologies such as 3DS 2.0 and Click to Pay (SRC).
W. Capra specializes in fraud management in the form of optimizing rules to achieve lower fraud rates and reduce the impact of false positives when assessing transactions. Using Machine Learning techniques and advanced data modeling, W. Capra optimizes fraud tools for maximum effectiveness. Optimizing rules on a regular and ongoing basis is a requirement for effective fraud mitigation due to constantly evolving tactics fraudsters leverage.
Latest Insights
- Orchestrating Success: How Merchants Can Better Capitalize on the Benefits of Payment OrchestrationAs the complexity of managing multiple payment channels and services continues to evolve, the concept of payment orchestration has garnered increasing attention in the merchant community. Despite this growing interest, there has been a notable lag in actual implementation of orchestration capabilities. Here we explore what payment orchestration is, why it’s relevant to merchants, and how to overcome the challenges to effective orchestration.
- Why You Need to Take a Deeper Look at Your Fleet Offering Whether an organization maintains an existing proprietary fleet offering or is evaluating their third-party fleet payment providers, one of the most common barriers that retailers face when attempting to gain incremental market share is that their offering assumes a universal need across the fleet portfolio.
- Electronic Benefits Transfer (EBT) State-Level ChangesThe states of California and Oklahoma have recently decided to issue EBT EMV cards in a move designed to mitigate fraud. While the theory remains that this implementation will help to protect consumers, in practice the payment facilitators have not received the specifications to code to, and therefore will not be ready to accept these cards at the anticipated time of issuance.
