Payment21® Mitigation Monitor is Now Patent Pending

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Payment21® has filed a patent application for its proprietary Mitigation Monitor™.

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Fraud Prevention is very important for online merchants, who want to accept ACH or Check21 transactions. Payment21® understands their needs and has developed a customizable Verification Loop™ using various business rules and velocity limits that mitigate abuse and fraud. Recent customers have experienced a reduction of a return rate below 1%.

The proprietary Mitigation Monitor™ can be adjusted to your industry specific preferences in order to reflect various business rules and customers' check-writing habits. This state of the art fraud protection solution monitors and rejects transactions from known fraudulent or abusive users before the Instant eCheck™ reaches the payment system thereby saving you money in processing and returned transaction costs.

For every Instant eCheck™, our proprietary Mitigation Monitor™ (patent pending) uses up to 10 different databases that can rigorously apply customized business rules & velocity limits specific to each merchant. Payment21® can tailor your business rule settings which set limits for number of wait days on the first check, minimum deposit amount of a check, maximum deposit amount of a check and maximum increase on amount from last check.

For velocity limits, Payment21® can adjust the number of checks that a customer can submit to our system in the intervals of 8 hours, 16 hours, 24 hours, 48 hours, 3 days, 7 days, 30 days and 90 days. For each time interval option, our proprietary Mitigation Monitor™ (pat. pending) allows you to set the maximum total allowable amount on all submitted checks.

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Will Hicks
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