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Website Compliance Scan TLD
Through active website compliance scanning, identify potential transaction money laundering, illegal websites and illegal content risks, reduce transaction risks and improve transaction approval rate
Transaction money laundering detection
Specially detect money laundering transactions, hidden transaction channels, and fraudulent behaviors using merchants as carriers to prevent money laundering from entering the e-commerce ecosystem.
Merchant risk management
Provide complete and clear merchant information and risk assessment to eliminate accidental risks and avoid fines caused by merchant security vulnerabilities or illegal brands.
Compliance
Collect and analyze the basic identification information from the network back end, including searching and viewing the details, survey results and blacklist of all customers.
Content monitoring
Investigate and monitor any illegal content, such as adult content, drugs and tobacco, fake and inferior commodities, and gambling.
Transaction monitoring
Provide behavioral activity analysis and suspicious behavior detection to detect fraud and money laundering risks.
Intelligent network risk management
Use advanced network technology to deal with the latest criminal techniques. Help customers make the best business decisions efficiently and accurately.
Advantages
The industry's first-class transaction money laundering and illegal website detection capabilities help you make business decisions efficiently and accurately.
Go online quickly
Cloud service software mode, without integration.
Overall process
From account opening inspection to certification, continuous monitoring.
Cut the cost
Reduce the workload and operating expenses of risk management team.
Fine pardon
A certain amount of Bram violation fines can be pardoned.
3DS2
3-D Secure industry standards, used to authenticate cross-border payment transactions and ensure payment security.
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Reduce cost
Avoid losses and related costs caused by chargeback Reduce customer service costs by approving more transactions
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Increase income
Increase approval of real card free (CNP) transactions by accurate and effective authentication Reduce false reports / false rejection of real transactions
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Improve customer experience
Reduce the cumbersome process of real consumer authentication Improve the user authentication process to ensure a consistent customer experience
3DS2
Verify the consumer identity
Industry standards for authenticating CNP transactions.
Reduce friction
The payment experience is improved by increasing friction only if there is a risk.
Reduce fraud
Collect 10 times more data in order to make more accurate decisions.
3DS2
Improvement as compared to the 3DS1 standard.
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Eliminate static passwords for more powerful dual authentication
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Support customers to checkout in other ways, such as archive cards, wallets, tokens, etc
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Support for different payment channels, such as applications, the Internet of Things, browsers, etc
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The amount of data exchanged was 10 times higher
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Improve the decision-making process by increasing the merchant data flow
Dispute Alert & Handling
By building a global collaborative network to replace chargeback processing, obtain information directly from the issuer, and shorten the confirmation of fraud and disputes to a few minutes as soon as possible.
Real-time alert
After the cardholder confirms the fraudulent transaction, the relevant alert will be sent to the merchant in the first time.
Data collection
Collect fraud information in advance and eliminate similar fraudulent orders through feature analysis to reduce transaction losses.
Multiple responses
For different types of alerts, you can choose different response methods such as refund or reply to more information.
Automation
After the cardholder confirms the fraudulent transaction, the relevant alert will be sent to the merchant in the first time.
Multi-card support
Support Visa, MasterCard, American Express, and DC card transaction alert acceptance and processing, meeting the relevant requirements of the card organization.
Simple access
API integration can be completed within 3 working days, and the process is simple and convenient.
Dispute Alert & Handling
Through the first time response to the early alerts, intercept fraudulent transactions and chargeback, reduce the pressure of chargeback indicators.
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Prevent fraud
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Improve the approval rate
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Big data analysis
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Avoid chargeback
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Reduce future fraud
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Improve user experience
Anti-fraud management
With the help of big data and customized rules, we can find most frauds.
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Comprehensive evaluation
Improve accuracy with more data, proprietary scoring algorithms, and custom rules to minimize fraud losses
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Custom rules
Maintain control over order decisions through rules tailored to the business
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Flexible expansion
Support channel expansion, such as mobile channels, accept more qualified orders and reduce false positives
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Automation
Take full advantage of its automation and only send the most suspicious orders for manual review
Mass data
Obtain transaction intelligence from tens of billions of transactions and use it to discover fraudulent transaction characteristics.
Hundreds of detection methods
More than 260 fraud detection programs, including device fingerprints, IP geolocation and other data
Maintenance rules
Flexible rule creation and management methods, historical data can be used to test the effect of strategies
Global Risk List
Pay Global Risk List provides first-class data solutions and services to help financial institutions and cross-border enterprises reduce third-party risks such as money laundering, sanctions, bribery and corruption.Enterprises can use the accurate and reliable risk list data to efficiently complete customer identification, screening, and other third-party authentication.
Global Sanctions List
Official sanctions information issued by international organizations, financial institutions, major economies (including China), etc.
Politically sensitive person
The global identity of senior government officials, including government officials, politicians and their relatives or close relatives.
Entity information in other high-risk countries and regions
List, control measures and review points of high-risk countries or regions.
Other official lists & exclusion list
Individuals on the law enforcement list, individuals subject to supervision/warning, individuals prohibited from engaging in certain types of activities (ie, import, export, travel, etc.)
Global Risk List
The Global Risk List provides authoritative and efficient tools for customer identification and risk rating assessment.
Reduce compliance risks
Provides key information about high-risk individuals and institutions around the world, and supports filtering on specific lists, data sets or specific fields, such as names, dates of birth, etc.
Flexible access
The Global Risk List supports both manual query and API integration, which seamlessly integrates with the customer business.
Simplify the customer due diligence process
The Global Risk List aims to reduce the burden of daily customer identification. The search process can be customized to reduce false positives. Provide continuous identification function to simplify the KYC process.
Authoritative and high-credibility data sources
Data comes from international sanctions information, official agencies, official websites and government and authoritative channels.
Timely data update
Synchronize official authoritative information, professional data research team and data collection, sorting, and cleaning mechanism.
Detect potential money laundering behavior
The anti-money laundering professional team of China Pay helps financial and payment institutions build an anti-money laundering and anti-terrorist financing compliance system, and finds the risk of violations in advance through the optimization of daily business processes.
Multi-scene application
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Due Diligence & Customer Identification
Based on sanctions information, politically sensitive persons, high-risk entities and other information, relevant persons often represent higher risks and are more likely to participate in financial crimes such as money laundering or terrorism support. Sinopay believes that these "risk exposures" can be adopted to take preventive and monitoring measures. In accordance with the new requirements for customer due diligence in the 2021 “Measures for the administration of customer due diligence and preservation of customer identity data and transaction records of financial institutions (Revised Draft for comments)”, we will help you with accurate personal data and risk data provided by the risk list Identify customers and accurately assess their risk levels. For customers in high-risk industries/occupations, understand why they become high-risk, and take timely re-due diligence measures or strengthen due diligence, reduce screening costs, and discover potential business risks in a timely manner .
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Identify global high-risk people and institutions
With the help of high-risk person and institution data, acquirer banks, clearing, payment and other institutions can find risky merchants in time and safely exclude them from their own business. Political public figure Sanctions List-People Sanctions List-Institutions Sanctions List-Institutions (Ships) Sanctions List-Institutions (Aircraft) Sanctions List-Institution (Country) Sanctions List-Institutions (Banks)
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Based on sanctions information, sanctions ownership, other official information
Anti-terrorist financing refers to combating and preventing the following terrorist financing activities: the raising, possession, and use of funds or other forms of property by terrorist organizations and terrorists. Use funds or other forms of property to assist terrorist organizations, terrorists, and terrorism and terrorist activity crimes. The Sinopay Global Risk List covers sanctions information, sanctions ownership, and other official lists. Through an accurate screening system, it helps state-owned enterprises and some merchants to screen their partners to avoid terrorist financing and money laundering.
