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Fraud: How to Ensure Safe Online Transactions and Increase Acceptance

Gustavo Mena

In Latin America, e-commerce faces substantial challenges, including some of the highest global fraud rates and low acceptance rates when chargebacks occur. This article delves into the intricate relationship between acceptance rates and fraud levels in e-commerce, common concerns in balancing these elements, and the advanced tools available to combat online payment fraud effectively.

In the e-commerce landscape, acceptance rates are closely linked to fraud levels. To avoid chargebacks, merchants often implement highly restrictive rules, which can produce lower acceptance rates and negatively impact sales by turning away legitimate customers.

We recognize that safeguarding against fraud requires additional precautions when approving online transactions. This often results in a lower acceptance rate, as legitimate transactions might be wrongly rejected in an effort to prevent chargebacks.

However, there are sophisticated solutions designed to help you face fraud without severely impacting online sales. These tools perform detailed analyses of transaction data, payment methods, and devices, assessing risk and approving only secure transactions.

One such solution is 3D Secure (commonly known as 3DS), which aims to verify the cardholder's identity through additional authentication, commonly via a password or a code sent to the cardholder’s mobile device. This verification process protects merchants from chargebacks, as the liability for any transaction validated by 3DS lies with the issuing bank.

To optimize acceptance rates while minimizing chargeback losses, it's essential to complement fraud detection engines with 3DS. By re-evaluating transactions that fraud engines might reject, you can enhance your reputation with banks by being considered a secure merchant, which further boosts acceptance rates.

Partnering with experienced anti-fraud providers who have a strong regional presence, and complementing their evaluation with 3DS, is a robust strategy. At DEUNA, we collaborate with these providers to safeguard your business and maximize your sales potential.

Furthermore, our Shopper DNA tool enables us to identify purchases that are erroneously flagged as fraudulent but are actually legitimate, ensuring you don't miss out on those sales.

Striking a balance between acceptance rates and fraud levels is crucial for your business's success: it increases sales, reduces financial and operational costs associated with chargebacks, and enhances your company's efficiency and profitability.

In conclusion, e-commerce in Latin America faces significant challenges related to fraud and acceptance rates. However, by applying advanced anti-fraud tools and effective strategies, it’s possible to find a balance that protects your business from chargebacks without compromising acceptance rates.

Adopting this balanced approach involves implementing robust security measures, working with specialized anti-fraud providers, utilizing advanced security tools, and generating precise data to ensure secure and profitable transactions.

Achieving this balance will contribute to the success of your online business and foster prosperity in the Latin American e-commerce environment.

To learn how our anti-fraud tools can benefit your business, request a demo at and unleash the full potential of your e-commerce.

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