ARIC™ for Merchant Acquiring Fraud Prevention

Historically, legacy systems have undertaken merchant acquiring and transaction monitoring at a summary level. ARIC Risk Hub instead analyzes and risk scores every individual transaction in real time – stopping more fraud with fewer alerts. The result is minimal negative impact to your genuine merchants and higher payment conversion with reduced risk.

ARIC Risk Hub combines the power of Adaptive Behavioral Analytics and real-time machine learning to truly understand ‘good’ behavior. By combining transactional event and merchant information with behavioral data, Featurespace customers are able to monitor and identify merchant risk for even the most complex types of fraud such as transactional laundering, scheme breach and merchant bust out.

Fraud poses a constant challenge to acquirers and merchants, increasing the need to fight fraudsters with best-in-class technology.

ARIC Risk Hub protects you and your merchants against all merchant acquiring fraud typologies, including (but not limited to):

• Transaction Laundering
• Exemption Management
• Merchant Bust Out
• High Risk Fraud Attacks
• Chargeback Abuse
• Merchant Risk

• Frictionless Merchant Onboarding:
  Identify fraudulent merchant applications in real time using Adaptive Behavioral Analytics technology.
• Reduce fraud losses
  Identify suspicious transactional and chargeback activity; ensure the best fraud rates to get exemption rights in the face of regulations.
• Proactively monitor high-risk merchants
  Improved protection against merchant risk by performing real-time analysis on transactions, benchmarking these against existing credit limits and performing peer group analysis to look for merchants acting outside the norm.
• Accurately and automatically spot new fraud attacks
  By understanding what normal activity looks like and monitoring all entities in real time enables acquirers to automatically spot anomalies such as BIN attacks or merchant bust-outs.
• Improve fraud detection and chargeback performance while simultaneously increasing acceptance
• Zero model degradation
  Self-learning models automatically adapt, learning from investigators’ actions, proactively enabling acquirers to discover new fraud attacks automatically.

Did you know, ARIC Risk Hub for Merchant Acquiring Fraud is also available as a White Label product?

Provide real-time fraud protection with the very best machine learning to your clients, opening new revenue streams for your business.​

Multi-tenancy enables businesses to service everyone from small customers to a large enterprise. Its architecture allows a single instance of a software application to service multiple customers or tenants.

Easy Onboarding of Clients
Instead of having to update every instance of ARIC across a large number of servers, multi-tenancy enables easy roll out of updates from a central application.

Analytics Configuration Groups
With multi-tenancy you can provide specific analytics for a group of tenants while maintaining an underlying service which remains constant for all tenants.

Segregation of Data
Segregate data according to business and security rules – ensure that tenants do not see the data of other tenants.