What is preCharge?

preCharge is the industries most up-to-date and comprehensive credit card transaction fraud scoring system online today. The preCharge system allows online merchants to score any online credit card transaction based on a series of checks and cross checks. These checks allow preCharge to apply a score to every transaction thereby giving merchants the most advanced scoring system ever available online.

Transaction Managers integration with preCharge is fully automated and is completely transparent to a client. You can use Transaction Manager with or without preCharge. If you wish to use preCharge and do not already have a preCharge account click here to sign up.

preCharge costs $19.95 plus $0.05 a transaction over 500 transactions a month, there is no setup fee, statement fee, or software fee.

• preCharge Features
• Credit Card Validation.
• High risk bin checks, charge-back history, repeat ordering, and over 20 credit card checks are included.
• Free e-mail database checks, advanced e-mail checking, MX record, SMTP checking, open proxies, known spammers and over 50 user-related checks are included.
• Advanced Geo Targeting.
• Zip code and telephone number validation.
• The preCharge fraud-scoring system is based on over 100 checks and cross-checks using the most up-to-date and audited series of databases online today.
• All merchants receive toll-free, 24/7 technical support every day of the year. In addition, preCharge merchants receive access to the most comprehensive knowledge base in the industry today, with hundreds of questions updated daily.

Fraud Scoring

1 to 250 Fraud Score: Relatively low risk transaction. Typically not a free email provider or open proxy with no history of charge backs or unusual activity.

251 to 500 Fraud Score: Standard Risk Transaction. May require contacting the client directly for further verification. Typically a zip code or phone number doesn't match or client is using a free email provider and/or proxy.

501 to 750 Fraud Score: High Risk Transaction. Typically a higher risk transaction including free email provider, open proxy etc.

751 to 1000 Fraud Score: Very High Risk Transaction. Typically a history of charge backs, using open proxy and/or a very high risk BIN number.

1. Notes:
1. The preCharge system is designed to provide an in depth review of a credit card transaction online, however, at no time is the preCharge service a guarantee to the validity or likelihood that a transaction is fraudulent. It is the responsibility of a merchant to follow good operating procedures and attempt to validate all transactions by using good judgment.
2. Hallisoft have no direct involvement in preCharge. If you open an account with preCharge the contract is between you and preCharge.

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