Fraud
How Pandabase detects and blocks fraudulent payments before they reach your store.
Pandabase checks payments for card testing, stolen cards, and account takeover to reduce fraud and disputes.
Fraud checks
Device reputation
When a customer reaches checkout, we analyze their device and assign a device ID and a risk score. A fingerprint tied to a previous dispute starts with a higher score, so repeat offenders are flagged before they pay.
Dynamic 3D Secure
When a card payment begins, we apply 3D Secure dynamically based on the card's risk score. Higher-risk cards face a full authentication challenge; trusted ones pass through frictionlessly.
Rules & human review
We combine signals from the underlying payment processor with our own fraud-detection toolkit — hundreds of custom rules backed by human review. When a rule is triggered, the payment is routed to manual review, where we accept or refund it.
Early fraud warnings
Through partner integrations with processors and the card networks, we receive early fraud warnings (EFWs) on payments likely to be disputed. Because most flagged payments end in a chargeback, we refund them automatically.
Dispute prevention
Beyond detection, our integrations with Verifi (Visa) and Ethoca (Mastercard) intercept disputes before they become formal chargebacks. A fee applies to each prevented dispute. See Disputes → Prevention for the full breakdown of fees and outcomes.
What you can do
To help reduce disputes:
- Use a clear store name and product descriptions — most "fraudulent" disputes are customers not recognizing the charge.
- Send fulfillment confirmations, with receipt and access details in the same email.
With these in place, most of our merchants keep dispute rates well under 0.05%.
FAQ
We received an early fraud warning for that payment from the card network. An EFW means the issuing bank has flagged the charge as likely fraudulent — and once flagged, the vast majority go on to become chargebacks. Refunding immediately avoids the dispute, the dispute fee, and any impact on your dispute rate. Fulfillment is revoked at the same time. See Early Fraud Warnings.
That's a prevented dispute. A chargeback was filed without an earlier warning, and Verifi or Ethoca intercepted it and resolved it directly with the issuing bank before it became a formal dispute. The customer is refunded by the network, the disputed amount plus a $30 prevention fee is deducted from your balance, and the order moves to Chargeback with status Prevented.
You don't need to submit evidence, and there is no won or lost outcome. Prevented disputes have no impact on your dispute rate. See Prevented disputes.