AI anti-fraud for online payments and e-commerce
The RoxPay fraud detection system analyzes every transaction in real time with artificial intelligence. Dynamic 3D Secure activated only when needed. Chargeback center to manage disputes. Complete protection, intact conversions.
Payment threats grow every year
Online fraud costs European businesses over €4.3 billion per year
Direct fraud losses
Every fraudulent transaction is money lost. In Europe, card fraud has exceeded €4.3 billion annually. Prevention costs less than post-event management and protects brand reputation.
Costly and complex chargebacks
Managing disputes requires time, accurate documentation and responses within strict deadlines. Many businesses lose claims due to inadequate evidence or manual processes that are too slow.
False positives blocking sales
Overly aggressive anti-fraud systems block legitimate customers, causing checkout abandonment and reputational damage. Balance between security and conversion rates is essential.
How we protect every transaction in real time
A multi-layer security flow from checkout to settlement, in under 50 milliseconds.
AI Analysis
Artificial intelligence analyzes IP, geolocation, device fingerprint, transactional velocity and behavioral patterns in under 50ms for every transaction.
Risk scoring
The algorithm assigns a risk score to each transaction. Suspicious operations are automatically blocked before the charge occurs.
Dynamic authentication
3D Secure 2.2 is activated only when the risk score exceeds the merchant-configured threshold. Result: -40% drop-offs vs always-on 3DS.
Continuous protection
PCI-DSS tokenization for card data, end-to-end encryption and dedicated chargeback center for managing disputes with guided strategy.
Complete protection for every transaction
Every layer works in synergy to block fraud without slowing down the customer's checkout.
Smart Fraud Detection AI
Real-time analysis of IP, geolocation, device fingerprint, transactional velocity and behavioral patterns. Machine learning trained on millions of transactions.
Dynamic 3D Secure 2.2
Strong authentication is only requested when our algorithms detect an elevated risk level. -40% drop-offs compared to always-on 3DS.
PCI-DSS Tokenization
Card data never touches your servers. It's converted into secure tokens managed by RoxPay. Your PCI scope is reduced: you only need to fill out a simplified SAQ.
Chargeback Management Center
Dedicated dashboard to monitor disputes, upload delivery evidence and respond to claims with guided strategy. Increase your dispute win rate.
Customizable blacklist and whitelist
Block card BINs, IPs, emails and suspicious devices in one click. Authorize trusted customers for fast checkout without additional checks.
Anti-fraud reports and analytics
View fraud trends, chargeback rates, false positives and anti-fraud system effectiveness. Data filterable by period, method and channel, exportable to CSV.
Multi-layer protection integrated into checkout
The RoxPay anti-fraud system integrates into your checkout via RESTful API. Machine learning trained on millions of transactions, distinguishing fraudulent patterns from legitimate ones while adapting to each merchant's risk profile.
-40% checkout drop-offs compared to always-on 3D Secure, maintaining the same level of protection thanks to RoxPay risk scoring algorithms.
AI Fraud Detection
3D Secure 2.2
PCI Tokenization
Blacklist & Whitelist
International security standards
PCI DSS L1
Highest level
3D Secure 2.2
Dynamic SCA
PSD2
EU Directive
GDPR
Data privacy
ISO 27001
Info security
-94% Fraud with RoxPay AI Anti-Fraud
E-commerce & Digital Platforms
Advanced protection for merchants of all sizes and industries
Problem
High fraud rates, manually managed chargebacks, and false positives blocking legitimate customers, causing checkout abandonment and revenue loss.
Solution
Activation of RoxPay AI anti-fraud with industry-customized thresholds. Dynamic 3D Secure 2.2 for high-risk purchases. Automatic whitelist for recurring customers and integrated chargeback management.
Result
Drastic reduction of fraudulent transactions blocked at the source. Lower false positive rate and overall conversion rate increase thanks to a frictionless experience.
Protect your business without limiting it
RoxPay AI anti-fraud reduces losses, increases conversions and manages chargebacks. Talk to a security expert.