How It Works

Payment Guarantee combines device fingerprinting and behavioral analytics with our machine learning engine, a database of trillions of transaction data points, and more to identify fraud.

  • Behavioral Analytics - Behavioral analytics assigns a unique identifier to your customers, which follows them as they shop and check out. This makes it possible to compare each customer’s behavior to behaviors associated with fraudulent activity.
  • Device Fingerprinting - Device fingerprinting powered by ThreatMetrix® identifies unique properties of your customer’s device, including location and type, which are often masked during fraud.

Payment Guarantee begins working as soon as a customer lands on your website. At checkout, Payment Guarantee returns information about the transaction that makes it easy for you to decide whether to submit the transaction for settlement:

  • Payment Guarantee Status - The Payment Guarantee Status defines whether or not Vesta will cover the transaction and chargeback fees, if the transaction is eventually deemed fraudulent.
  • Risk Probability Index - The Risk Probability Index identifies how likely a transaction is to be fraudulent on a scale from Very Safe to High Risk.

Technology

Payment Guarantee is built on state of the art technologies that provide powerful analytic capabilities and that make it easy to integrate into your website or app.

Data Analysis

Vesta uses machine learning, behavioral models, and deep link analysis to analyze data:

  • Machine Learning Platform and Models - Vesta uses machine learning and big data to build baseline models that describe behaviors associated with account takeover fraud. Detecting these behaviors during a transaction is an indication of fraud. Vesta’s models can be updated and deployed within hours, making sure that the protection you get from Payment Guarantee keeps up with new fraud techniques.
  • Patented Deep Link Analysis - By sourcing, cross-referencing, and identifying patterns in data from multiple big-data repositories, Vesta can identify anomalous activity which could indicate fraud.

Data Sources

Vesta uses information from the following sources to detect fraud:

  • Customer Behavior - Vesta tracks elements of customer behavior, including the pages your customers visit, how long they spend on each page, and how they select products to identify potentially fraudulent purchases.
  • Device Specifics - Vesta identifies unique properties of each customer’s device, including the associated email address, age, and location, by leveraging integrations with vendors including ThreatMetrix® and Ekata. This makes it possible to detect if a customer is masking identifying information as a way to commit fraud.
  • Data Vault/Consortium - Vesta participates in the GDPR-compliant consortium data vault, which includes more than 2 trillion data points gathered over 25 years of transaction processing. Vesta leverages this data to identify whether current behavior aligns with previous known behavior.

Integration

Payment Guarantee provides JavaScript and REST API operations that you will use to integrate its features with your existing online store:

  • REST API - Use REST API requests to obtain the Risk Score and Guarantee Decision from Vesta by sending customer and transaction information to the appropriate endpoint. Results are typically returned within 500ms.
  • JavaScript - Add JavaScript, provided by Vesta, to each page of your website. The scripts enable Vesta to track unique properties of your customer’s device, which enable us to identify anomalous behavior associated with fraud.

The Onboarding page describes how to develop and use the basic services included with Payment Guarantee.

Use Case

The steps below describe how Payment Guarantee integrates with your existing eCommerce experience:

  1. Customers land on your website. Vesta assigns each customer a unique session ID.
  2. The session IDs follow your customers as they move from page to page.
  3. When a customer chooses to check out, you request a risk assessment and guarantee before or after you submit the transaction for authorization.

The image below illustrates the Payment Guarantee integration:

Payment Guarantee Use Case Diagram