To help protect Discover® Card transactions from online fraud, Discover offers three easy-to-deploy solutions designed to be used in a layered approach—spanning from pre-authorization to post-fulfillment. Let’s take a deeper look at each of these three powerful solutions.
ProtectBuy® is our Three Domain Secure (3DS) customer authentication solution that validates consumer identity at time of purchase and provides a real-time required action for high-risk transactions.
Get notified of fraudulent activity as soon as possible to stop order fulfillment, cancel shipments and reduce loss.
Validate customer information directly against Discover Cardholder data to quickly pinpoint high-risk transactions and make more informed transaction approvals.
Internet PIN Debit reduces chargebacks and fraud through online PIN entry and scrambling using PaySecure® technology from Acculynk. When cardholders enter their debit PIN to pay for purchases online, a graphical PIN pad appears. The numbers re-scramble each time a new digit is entered and no PIN information is ever stored.
Chip technology offers more security compared to swipe and sign cards. Reduce fraud and address the Fraud Liability Shift by enabling your terminal to accept D-PAS, our chip technology that supports chip card and contactless payments.
Discover® Tokenization sends sensitive PAN data to a more secure location where it is authorized by issuers and acquirers. It is then replaced with a unique token number for each transaction, making it meaningless to anyone unauthorized to access it.
Discover Account Incident Manager (AIM) is a web portal that provides a single point of access to real-time incident information. AIM provides up-to-date details and activity for each case and proactively alerts users as each case changes.
Discover Guardian is a web-based tool that monitors and alerts issuers to spikes in normal transaction activity based on custom-set variables and thresholds. Once alerted, issuers can further investigate the issue and escalate if needed.
Discover Merchant Control is a merchant validation tool that provides early notification of fraudulent and non-compliant merchants. Acquirers can make informed decisions about the merchants they choose to partner with.