• BIN Blocking
• IP Address Blocking
• Limit Spending

BIN Blocking

Pay & Go's BIN Blocking allows any merchant to block specific BIN ranges from submitting transactions. Every credit card belongs to a Bank Identification Number (BIN) and this is what is used to identify a credit card as belonging to a certain financial organization. Generally, this is the first 6 digits of the credit card number. As part of the fraud prevention services that are built into the payment gateway, each merchant has the option of blocking particular BIN ranges from organisations in an effort to reduce fraud from known risky regions. The BIN Blocking rules are applied to each merchant account separately, and are configured by Pay & Go staff based on our merchant's requirements. If anybody attempts to process a transaction with a card that has a blocked BIN number, they are advised that that card type is not available - please try again using a different card. The details of the attempted transactions are recorded separately in the database, and the reports highlight any attempted transactions that violate the merchant rules. If required, Pay & Go can also configure a service where the details of transactions that violate the merchant rules are immediately sent to a specific email address and/or we can also send an SMS alert to your preferred mobile phone.

IP Address Blocking

Pay & Go's IP Address Blocking allows any merchant to block specific IP ranges from submitting transactions. As part of the fraud prevention services that are built into the payment gateway, each merchant has the option of blocking particular IP Address ranges in an effort to reduce fraud from known risky regions. The IP Address Blocking rules are applied to each merchant account separately, and are configured by Pay & Go staff based on our merchant's requirements. If anybody attempts to process a transaction from a blocked IP Address, they are advised that that this service is not available - please try again using a different card. The details of the attempted transactions are recorded separately in the database, and the reports highlight any attempted transactions that violate the merchant rules. If required, Pay & Go can also configure a service where the details of transactions that violate the merchant rules are immediately sent to a specific email address and/or we can also send an SMS alert to your preferred mobile phone.

Limiting Spending

To help minimise fraud, card restrictions can be imposed on cardholders, which will allow merchants to limit unregistered or unknown cardholders from spending vast amounts. This can be done in two ways: Restricted Groups - you can classify cards as being in a restricted group. For example how much can a cardholder spend before the merchant needs to confirm their identity. Flagged Cards - you can classify cards as being in a flagged group whereby you will allow a cardholder to purchase normally but will not process the transaction immediately. Instead it will be flagged for the merchant to approve before being presented to the merchants bank. Together, these aspects form a system whereby merchants can choose to have suspicious card behaviour flagged, review the flagged cards and associated transactions and then determine whether to block further transactions. Other administrative functions include automated group changes based upon how long a cardholder has been known to the merchant (i.e. a long-term customer may be allowed to do more transactions than a short-term customer).