The first line of defence
- AVS matches the billing address to the card.
- CVV confirms the buyer has the physical card.
- 3-D Secure (Visa Secure, Mastercard Identity Check) adds bank-side verification and can shift liability for fraud.
These three catch a large share of fraud with little friction for legitimate customers.
Smart rules and screening
Add velocity rules (limit attempts per card or IP), flag unusually large orders, and screen device and IP signals. These rules quietly stop the patterns fraudsters use without burdening normal shoppers.
Reduce chargebacks proactively
Use a clear billing descriptor so customers recognize the charge, fulfil and ship promptly, and keep records of authorization. Many chargebacks are "friendly fraud" or confusion, clarity and good records prevent them.
Balance security and conversion
Over-aggressive rules block real sales. Tune thresholds, reserve manual review for genuinely risky orders, and vault cards for trusted repeat buyers. Armour Payments includes fraud tools across online payments. Talk to sales to configure them.