Fraud prevention

Subscription check

Ensures if the customer already has an existing subscription by checking their details like email address and bank details.

acdc® Pool

Ensures payment credibility by looking for negative information on the specific bank account from a small data pool.

Bank Account Check SEPA

Checks the plausibility of the combination of bank details with the IBAN of the user.

Blacklist Check

Checks if the customer has any history of risky transactions in the database.

BIN Country Check

Checks if the country of the credit card issuing bank matches the address specified by the customer, using the BIN.

Buergel ConCheck RealTime (DE, AT & CH)

Verifies the identity of customers in real-time from various sources and returns a score to approve or reject a transaction. In addition, Buergel ConCheck RealTime performs the location and address check provided by the customer. Collects data from the EOS Group (Otto Group) and the Euler Hermes Group (Allianz Group), and provides the integrated score for the selective assessment of payment default risks (Schober Direct Media).

Buergel ConCheck RealTime Deltavista

Functions similar to the Buergel ConCheck RealTime but also uses the data collected from the CRIF credit agency.

Buergel ConCheck RealTime International (CH, SE, NO & FI)

Functions similar to the Buergel ConCheck RealTime to offer online B2C information as a Buergel score, for users outside Germany. This helps retailers to run businesses across Finland, Norway, Sweden and Switzerland. Concheck International provides real-time information of customer specific to countries and customer support from countries on demand.

Buergel RiskCheck RealTime (B2B)

Functions similar to the Buergel ConCheck RealTime to offer online B2B information of users and companies as a Buergel score, after assessment.

Double Booking Blockade

Prevents duplicate registrations and transactions made through double bookings, that would otherwise result in unnecessary chargebacks. Blockade duration can be set to avoid double booking until the given timeframe.

Email Validation

Verifies email addresses according to rfc822 for formal correctness and valid mail server existence. Valid email addresses from popular service providers can also be blocked if needed.

Claims Check

Checks if the customer has any debt collection in progress for unpaid dues.

IP BIN Check

Compares the customer's country with customer's IP address and the BIN. The transaction will be rejected if the IP and the BIN country do not match.

IP Country Blockade

Checks if the IP address's country of origin matches the customer's address.

IP Blockade

Approves or rejects a transaction based on the previous attempts of the customer from the same IP address. If the IP is blacklisted or locked, the user can no longer place orders until a specific period.

Limit Check

Checks the purchase amount limit across all orders within a specified time. Amount and time limit has to be defined while activating this check.

Luhn Check

Performs a credit card number validation using the Luhn algorithm. Orders are accepted only from payments made by valid credit card numbers.

PIN by Callback (landline or mobile, only DE)

Performs a second-factor authentication for customers using one-time passwords delivered through phone or mobile to authorize transactions. This feature is only available for German customers.

PIN by SMS

Performs a second-factor authentication for customers using one-time passwords delivered through SMS to authorize transactions.

SEPA Prenotification via SMS (DE, AT)

Prenotifies customers on their SEPA direct debits and the date of debit. Prenotifications are sent both through SMS and email.

Session Check

Check if a purchase is successfully completed from the customer's session and prevents further purchases from the same session.

IP Proxy Check

Check for Anonymous IP addresses (sometimes erroneously referred to as "proxies") that hide a web user's IP address and the actual geolocation.

Debt Collection Check

This check declines transaction from buyers with pending claims listed in our debt collection database. Also this check validates the buyer against all debt collection entries from the entire customer base of Novalnet.

Address validation (DE)

Postal addresses within Germany are validated in real-time against authoritative databases. If the given address matches the address in the official database, the address is passed as real and valid.

Order count limit

Allows only a set number of transaction attempts by a buyer within a period of time predefined by customer.

Postal address check United Kingdom

Sort Codes and bank account numbers in the U.K and Ireland are validated in real time using specific mathematical algorithms to verify if an account number has been correctly entered. Also a second layer of validation is performed by searching for the existence of sort codes in the Sort Codes Directory issued by BACS.

Enforced 3D secure (as per predefined filters & settings)

Activates 3D Secure process based on the filters and settings configured by customers .The transaction will be routed to authenticate via 3DSecure only if the predefined conditions triggers to do so; otherwise, it will be processed as a non-3D Secure transaction.

Identity Fraud Check

Verifies and determines the identity and address details of buyers in real time.

VAT ID Check

Validates VAT identification numbers issued by any EU Member States (VIES database).

Sanctions List Check

Offers a consolidated sanction list review (EU), listing all persons, organisations and companies that are subject to financial sanctions by the EU. Activating this tool will allow customers to look for any anomalies based on the data used during transactions. If the data is flagged, the transaction will be rejected.

User & Payment Details comparison

The check looks for previous successful bookings with the same payment details (bank details / credit card details). If such previous bookings are found, but the name, the zip code, the country or the email address differ in the current transaction, then the current transaction will be rejected. The check will only be applied for Direct Debit SEPA transactions and for credit card transactions.

Failed Attempts Blockade

Failed Attempts Blockade prevents repeated payment attempts in rapid succession by the same customer, so that you will be safeguarded against brute force and carding attacks.

NovalShield (Protect your Business)

Real-time AI-powered fraud tool, designed to detect a vast range of payment fraud for any business and industry. Novalshield performs billions of calculations and returns a transaction fraud score in a matter of milliseconds for fast and accurate decisions by the payment system.

Additional Checks

• Bank account check Germany
• External return debit pool
• Bank account check Austria
• Credit card BIN-Acquirer routing
• KUNO blacklist
• Virtual IBAN per TID
• Virtual IBAN per end customer
• Payment reminder by Post
• Bank account check United Kingdom
• Single Order Only Check