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E-Fraud

E-Fraud

Verified by Visa, MasterCard SecureCode and American Express Safekey

The Verified by Visa (VbV), MasterCard SecureCode (MCSC) and American Express SafeKey program (SafeKey), features provides merchant the ability to reduce fraudulent online transactions by allowing registered cardholders to verify their PIN prior to processing a payment.

Kount Inquiry

Kount allows merchants to further reduce fraudulent transactions by providing risk-based scoring at the point of transaction. It aggregates and evaluates data from two primary sources, the Data Collector (DC) and the Risk Inquiry Service (RIS). After collecting and evaluating customer data, Kount returns a string of key-value pairs to the merchant. To use the Kount Inquiry, you must implement the device data collector component. Data collector must have a unique session ID, the same session ID must be sent with the Kount Inquiry or Kount update.

Address Verification Service

Address Verification Service (AVS) is an optional fraud-prevention tool offered by issuing banks whereby a cardholder's address is submitted as part of the transaction authorization. The AVS address is then compared to the address kept on file at the issuing bank. AVS checks whether the street number, street name and zip/postal code match. The issuing bank returns an AVS result code indicating whether the data was matched successfully. Regardless of the AVS result code returned, the credit card is authorized by the issuing bank.

Possible Transaction flows incorporating all available fraud tools

To help prevent fraudulent activity with online transactions it is highly recommended that you implement the Moneris eFraud features which consist of:

  • AVS and CVD
  • 3-D Secure
  • Kount Inquiry

Please note that all responses coming back from these verification methods are intended to provide added security and fraud prevention, and the response itself will not affect the completion of a transaction. Upon receiving a response, the choice to proceed with a transaction is left entirely to the merchant.


Option A:

  1. Process a Kount Inquiry query and obtain the response. Merchant then makes a decision to continue or to abort with the transaction.
  2. Process a 3-D Secure transaction and obtain the response. Merchant then makes a decision to continue or to abort with the transaction.
  3. Process a financial transaction including AVS/CVD details and obtain the response. Merchant then makes a decision to continue or to abort with the transaction.

Option B:

  1. Process a Kount Inquiry query and obtain the response,
  2. Process a 3-D Secure transaction and obtain the response,
  3. Process a financial transaction including AVS/CVD details and obtain the response. Merchant then makes a one time decision based on the responses received from the eFraud tools.