Fraud Prevention

This document covers how you can protect your application against any fraudulent payments.

Some disputes are lost due to insufficient information being collected from the customer. Without enough information, it becomes hard for Chapa to successfully verify whether or not the customer is legitimate. For instance, postal code may not seem as important for processing card payment, however, it will be of use to verify the card issuer. If the verification fails, consider rejecting the payment as it may be a warning of a possible fraud.

Use Chapa’s Checkout to insure that your integration provides the correct payment information such as:

  • Customer’s Full name
  • Customer’s Email address
  • CVC number
  • Full billing address and postal code
  • Full shipping address

Avoiding Fraudulent payments

When the cardholder did not authorize a payment, it is deemed fraudulent. The majority of fraudulent transactions are performed with stolen cards or card information. When a cardholder receives notification of a payment or reviews their card statement, they contact their card issuer to file a dispute.

Notifying you of suspected fraud

Chapa keeps track of all payments made by our users in real time. In rare circumstances, Chapa may notify you after a payment has been processed, that it is suspected of being fraudulent. This can happen if we notice more activity on the card that shows it’s being used fraudulently, or if the card network sends us a warning. Keep in mind that when we send a notification, it does not necessarily mean that a payment may be fraudulent, only that we believe it is.

We offer you with this information so that you can make an informed decision and take appropriate action (e.g., contact the customer or place their order on hold). If you have any reservations about the payment after evaluating it, we recommend that you reimburse it as soon as possible. This move immediately returns it, making it impossible to dispute afterwards.


Responding to Disputes
Chapa's Dashbaord
Payment
Financial Services
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Disputes and Fraud