Running an online business means making it easy for customers to pay, but it also means protecting your business from fraud.
The good news? You don’t need expensive software or a cybersecurity team to add an extra layer of protection. Simply activating your card filters can help stop suspicious transactions before they become costly chargebacks.
What Are Card Filters?
Think of card filters as a security guard for your online payments.
Every time a customer enters their credit card information, these filters quickly verify important details before the transaction is approved. If something doesn’t look right, the transaction can be flagged, reviewed, or declined automatically.
Why Every Business Should Activate Card Filters
Protect Your Revenue
Fraudulent transactions don’t just cost you the sale.
If the real cardholder disputes the charge, you could lose:
- The payment
- The product or service
- Additional chargeback fees
- Valuable time resolving disputes
A few simple filters can help stop many of these transactions before they happen.
Reduce Chargebacks
Chargebacks are expensive and can negatively impact your business.
Activating card filters helps identify suspicious transactions before they are processed, reducing the likelihood of fraud and protecting your bottom line.
Benefits include:
- Fewer fraudulent orders
- Lower chargeback costs
- Better operational efficiency
- More confidence in every transaction
Verify the Customer’s Billing Address (AVS)
The Address Verification Service (AVS) compares the billing address entered by the customer with the address on file at their card issuer.
If the information doesn’t match, you can:
- Approve the transaction
- Flag it for review
- Decline it automatically
This simple verification step helps identify potentially fraudulent purchases before they become a problem.
Confirm the Card Security Code (CVV)
The Card Verification Value (CVV) is the three- or four-digit security code printed on a credit card.
Why is it important?
Because this code is typically not stored in databases after a transaction is processed. Even if someone steals a card number, they often won’t have the CVV.
Requiring this code helps verify that the customer is actually in possession of the card.
Stop Card Testing Attacks
Fraudsters often use automated bots to test hundreds or even thousands of stolen card numbers on online stores.
Card filters such as:
- Daily Velocity Filters
- Hourly Velocity Filters
- Transaction IP Filters
can detect unusual activity and stop these attacks before they impact your business.
Additional Benefits
Activating card filters can help you:
- Protect your customers’ information
- Minimize fraudulent transactions
- Reduce chargebacks and associated fees
- Save time by preventing manual investigations
- Increase confidence in your online payment process
Best of All: Basic Card Filters Are Included
Many businesses assume fraud protection is expensive, but basic security features like AVS, CVV verification, and Daily Velocity Filters are available within Authorize.net
Don’t Wait Until Fraud Happens
Fraud prevention is much easier, and much less expensive than recovering from a chargeback.
Taking a few minutes to activate your card filters can help protect your revenue, your reputation, and your customers while giving you greater peace of mind every time a payment is processed.
Need Help?
Every business is different, and the right fraud settings depend on your products, customers, and sales volume.
Our team can help you review your current setup and make sure you’re using the right card filters to keep your business protected while maintaining a smooth checkout experience.
If you need help logging into Auth.net, please contact our support team, and we will gladly work with them, to help you to recover your credentials or please reach out to auth.net at 1-877-447-3938.