# Tools

## Introduction

Accurate 3D control (Multi -dimensional risk control rules are used to effectively and accurately locate fraudsters and normal customers, and take 3D verification measures for high-risk customer payments.)

* Accurately locate fraudulent customers
* Reduce fraud without affecting user experience
* 3D control: Credit and debit card payments at a high risk of fraud. To address this problem, 3D Secure lets you build in an extra layer of fraud protection and ensure that you only accept card payments from legitimate customers. As an added incentive, authenticating a payment with 3D Secure shifts the liability for chargebacks due to fraud from your business to your customer’s bank.

## Verifi

Founded in 2005, Verifi is an award-winning provider of end-to-end payment protection and management solutions. Verifi’s solutions provide protection from fraud, disputes, and chargebacks, enabling sellers to increase profits and provide a better customer experience throughout the post-transaction life cycle.

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{% tab title="Prevent" %}
**Order Insight: Enrich the Customer Experience**

Order Insight connects sellers to issuers to provide customers with seller business and purchase details in real-time, at point of inquiry to clarify confusion and prevent disputes.

Issuers and cardholders access detailed purchase information from sellers via a global data-sharing network to prevent disputes at first customer inquiry.

* Easily identify friendly or first-party fraud
* Reduce customer billing confusion
* Improve the customer experience
* Access global network of Visa issuers

Total Dispute Management solutions leverage Visa’s network to provide protection from fraud and non-fraud disputes, increasing profits for payments stakeholders and enhancing customer experience. Verifi’s PREVENT solution enables cardholders and issuers to validate sales and combat friendly fraud at the inquiry stage.
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**Dispute Resolution: Resolve Pre-Disputes Quickly and Easily**

The RESOLVE solution suite enables sellers to resolve fraud and non-fraud disputes at pre-dispute stage to stop chargebacks from ever occurring and avoid impacting dispute ratios and monitoring programs.

A pre-dispute occurs before a chargeback is filed. It is initiated when a cardholder challenges a transaction with the intent to dispute its legitimacy.

Pre-Dispute Resolution:

* Rapid Dispute Resolution (RDR)： Automatically resolve pre-dispute cases with participating RDR issuers using a robust decision engine,customized by seller for real-time resolution.
* Cardholder Dispute Resolution Network™ (CDRN®)：Resolve pre-dispute cases directed by participating CDRN issuers within 72 hours by seller-initiated refund.
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{% tab title="Recover" %} <mark style="color:blue;">`Coming soon`</mark>

**Dispute Representment: Recover Revenue Lost to Disputes**

Verifi’s RECOVER solution enables sellers to maximize wins on represented disputes – expertly managed by our team.

* Dedicated team of dispute representment specialists
* We do all the work for you
* On-demand, scalable resources
* Control which cases to represent
* Best case evidence to maximize your wins
* In-depth real-time reporting
* Supports disputes with Visa, MC, AMEX, Discover
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**Notifications: Reduce Risk and Prevent Future Disputes**

Leverage direct delivery of fraud and dispute notifications post-authorization to reduce payment risk:

* Improve link analysis and fraud analytics
* Enhance and inform fraud detection & modeling
* Use data to track trending fraud rate

Sellers can leverage reported fraud and dispute data to prevent risk:

* Block reported cards
* Prevent future fraud attempts
* Enhance internal fraud analytics
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## Ethoca

<mark style="color:blue;">`Coming soon`</mark>