Before you know it, you are spending a lot of time on business operations, managing payments, monitoring chargebacks and so forth. Each of those tasks is eating away time you could be using to focus on how to grow your business.
Leading worldwide providers
Companies with proven track records
Solutions serving businesses of all sizes and all over the world
The largest fraud prevention company in the world shields you from chargeback costs with the highest approval rates in the industry
A global top five payments company, allows you to accept credit cards online
While Heartland’s solution allows you to accept credit cards online and addresses PCI compliance and data security concerns, ClearSale addresses the growing threat of credit card fraud that has been troubling more and more merchants.
Heartland is a leading worldwide provider of payment technology and software solutions delivering innovative services to its customers globally. Heartland’s technologies, services, and employee expertise enable itto provide a broad range of solutions that allow its customers to accept various payment types and operate their businesses more efficiently across a variety of distribution channels in many markets around the world.
Heartland’s SecureSubmit Solution allows merchants to start accepting credit cards online today.
For more than 15 years, ClearSale has helped retailers eliminate chargebacks before they happen. ClearSale’s mission is to stop online fraud while providing customers with the highest approval rates and lowest false positive rates in the industry. Offering a full-service fraud tool, ClearSale eliminates the need for any merchant involvement or expertise in the fraud prevention responsibility.
ClearSale’s experience speaks for itself:
ClearSale’s Total Guaranteed Fraud Protection Solution provides the merchant with a straightforward, optimized decision (accept or reject each order) while offering 100% reimbursement of fraud-related chargebacks.
Connected to your operations, the Total Guaranteed Protection eliminates the need for multiple fraud tools and resources.
Every order is computed in real time; approved orders are released in real time while gray area transactions, declined by the artificial intelligence of other market solutions, are always seen by human eyes so they can later be approved or flagged as fraud.
After implementation, the relationship will be focused on managing results and not operational tasks. It’s all about optimizing three KPIs: (1) chargeback rates, (2) customer satisfaction and (3) approval rates.
While having credit card fraud solutions integrated with a payment gateway might seem convenient for time- and resource-strapped online merchants, this convenience comes at a cost. One of the biggest challenges to integrated fraud protection solutions isn’t preventing fraud — it’s ensuring that good transactions aren’t declined. Many merchants are finding that with this combination, they’re experiencing:
Card-not-present (CNP) fraud is on the rise
Chargebacks Happen, And They’re Costly
When fraudsters find an easy target, they tell other scammers, and even if your merchandise doesn’t appeal to fraudsters, your business can be a victim of high-card-testing fraud.
Too many chargebacks and the bank will close a merchant’s account and add the merchant to the MATCH list, labeling them as high risk for five years. Merchants then face higher processing fees and even go out of business without a merchant account available in the market.