Risk Management

To minimize your business' exposure to payment abuse or charge-backs, VIRTUAL EXCHANGE manages a leading-edge risk management process by way of automated fraud prevention and 24/7 risk review of suspicious situations by our risk management staff.

Our process is based on primary and secondary information about customers, their payment accounts, and previous transactions - all gleaned from processing a high volume of high-risk Internet transactions for years.  Other key risk management considerations include IP address geo-location, velocity controls, credit card address verification (AVS), and cardholder verification numbers (CVV2/CVC2).

VIRTUAL EXCHANGE is constantly upgrading our sophisticated risk management ability with the latest in technology and procedures.  To date, we have kept our merchants' charge-back levels to below norms for the high-risk industry.

Risk Management is automatically performed on all transactions flowing through our Payment Management and Merchant Account services, but can also be applied, as a stand-alone service, to your transactions processed elsewhere.