Optimize Your Payment and Fraud Prevention Infrastructure with DEUNA

Implementing a customized payment infrastructure empowers merchants to drive online sales while mitigating fraud risks. At DEUNA, we offer the essential tools to seamlessly create a customized payment infrastructure through our centralized platform.

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Within this platform, users can establish customized routing rules, integrating multiple solutions from the payments and fraud prevention ecosystem using various parameters. Our tool supports a wide range of use cases, including:

• Configuring alternative payment gateways to recover transactions rejected by the primary gateway or due to technical issues.
• Implementing fraud prevention strategies, such as assessing fraud detection tools and enabling 3DS for high-risk transactions.
• Creating rules to optimize processing costs and acceptance rates based on business needs. For instance, international card transactions can be routed to a gateway with superior coverage or lower fees.

Steps to Configure Custom Routing Rules via DEUNA's Merchant Portal

In the payment strategies section, access the special rule creation feature and follow these three steps:

• Step 1: Assign a name to the rule.
• Step 2: Define the conditions under which a transaction will be routed. Users can leverage multiple parameters (e.g., transaction amount, card BIN, issuing bank origin, currency) or create custom parameters via metadata.
• Step 3: Specify the route for transactions that meet the defined conditions. Users can choose from hundreds of payment and fraud prevention providers to establish the routing rule.

Practical Scenario:

We can create a routing rule to maximize the acceptance of transactions exceeding a high amount (e.g., USD 200) while incorporating fraud risk mitigation measures. In this case, we define that all transactions exceeding USD 200 would follow a specified route based on the "amount" parameter. We start with an evaluation by a fraud detection engine (e.g., Clearsale), and based on its response (risk categorized as "high," "medium," or "low"), determine the processing path:

Transactions identified as "high risk" are not routed to any gateway, thereby avoiding unnecessary risk exposure.

"Medium risk" transactions can be routed to a gateway with 3DS authentication enabled, adding an extra layer of security before processing. Successful 3DS validation allows the merchant to process the transaction without the risk of a chargeback.

"Low risk" transactions can be routed through a “cascading” sequence of multiple gateways, increasing redundancy and the likelihood of acceptance for low-risk payments. This is just one of the many use cases we can enable for your business.

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Ready to elevate your e-commerce operations with custom routing rules? Request a DEMO with one of our specialists and discover how to transform the payment experience in your e-commerce! Visit DEUNA.com for more information. Optimize your online business today!