CyberSource Smart Authorization

CyberSource Smart Authorization is a real-time credit card authorization service with effective, built-in fraud screening technology. It is a turnkey solution to help businesses combat fraud and process more valid order automatically without requiring a sophisticated fraud department or additional technical resources to implement or manage.

Fast, reliable and secure credit card authorization
Effective detection of fraudulent orders in real-time
Automatic acceptance of valid orders
Simple set-up and operation

Simplistic tools, such as the banking network's Address Verification System (AVS), perform very limited screening and therefore often let a significant volume of fraud slip through while incorrectly declining legitimate orders. Merchants lose critical sales and create customer dissatisfaction. With CyberSource Smart Authorization, more legitimate orders can be identified and automatically accepted with a high degree of confidence. Specifically, Smart Authorization performs the following tests:

Complete address validation: Verifies that both the cardholder billing and shipping addresses are legitimate and deliverable.
Phone number validation: Verifies that the customer's area code is legitimate and correctly matches the cardholder's address.
Data analysis: Analyzes customer data to determine if there are "red flags" such as obscenities or nonsensical data that can indicate fraudulent transactions.
Negative file check: Reviews each transaction against a file of historically "bad" addresses and credit card numbers hosted by CyberSource on behalf of the merchant.

For Payment Service customers, Smart Authorization installation and operation is fast and easy. There are no additional fields required on your product order form, no settings to establish in advance, and no service responses that require special coding beyond the normal credit card processing.

If your company requires a more comprehensive fraud management system that can be fine-tuned to prevent specific fraud patterns, support a particular product line, or flag a certain customer profile, see CyberSource Risk Management Solutions.