To fully safeguard your corporate funds, WasabiCard features a built-in intelligent risk control engine powered by multi-dimensional big data and machine learning models. The system performs real-time scans on every single transaction initiated by physical or virtual cards. When a payment exhibits potential fraudulent traits or deviates from normal compliance baselines, automated risk mitigation rules are instantly triggered. Below is a detailed breakdown of our core transaction statuses, risk parameters, and actionable recommendations:
Core Risk Control Blocking Mechanisms & Triggers
1. Automatic Rejection / Blocked
Why Was My Transaction Automatically Blocked? To preserve your account balance, the system instantly blocks a transaction if it hits any of the following high-risk indicators:
Elevated Risk Scores: The risk engine evaluates merchant compliance, transaction velocity, historical dispute rates, and anomalous device fingerprints. If flagged as 'Highest Risk', the checkout is blocked immediately before authorization.
Geographical and National Restrictions: The payment request originates from an IP address or a merchant registered in a high-fraud jurisdiction, or it conflicts with cross-border compliance mandates (such as the EU Geo-blocking Regulation).
Card Type & Brute Force Prevention: To prevent card testing (brute force attacks) on vulnerable checkout funnels, the system defaults to blocking transactions above a certain threshold on prepaid cards or newly activated cards that lack established transaction histories.
2. Strong Authentication / Request 3DS
What is a 3DS Strong Authentication Request (Request 3DS Verification)?
3DS (3D Secure) verification prompts the cardholder to complete an extra identity verification step during the checkout flow, such as entering an SMS OTP, utilizing an in-app security token, or completing a biometric check.
Trigger Criteria: A 3DS request is strictly mandated when you transact with unverified merchants, new channels, or for high-value purchases (e.g., individual payments exceeding $25 USD accompanied by an elevated risk level score).
The Benefit of Liability Shift: Once a transaction successfully undergoes 3DS authentication, the liability for any subsequent fraudulent disputes or chargebacks typically shifts from our merchant account to the issuing bank. In most scenarios, this means your business is fully indemnified against fraud costs for that specific charge.
Corner Case Rejections: Please note that if you attempt a checkout on a legacy channel or a digital wallet that does not support 3DS protocols, and the transaction simultaneously triggers an elevated risk score, the system will execute an absolute block for ultimate account safety.
3. Data Mismatch / Verification Failed
CVC and Address Verification System (AVS) Verification Failures: Whenever you link or input card details on any website, ensure that the 3-digit CVC (Card Verification Code) and the card's corresponding billing postal code are entered with absolute accuracy.
While some legacy overseas acquirers might still approve charges despite missing CVC or postal codes after evaluating other parameters, WasabiCard enforces a zero-trust threshold for corporate security. Our built-in rules default to blocking any payment that fails the card issuer's CVC or AVS postal code check. This effectively neutralizes malicious script-driven brute force card-testing schemes.
Administrator Account Maintenance & Security Best Practices
If you are an Administrator holding top-tier corporate credentials, it is highly recommended to implement the following risk control frameworks during daily operations to seamlessly scale your business while keeping fraud risks at zero:
Same-Day Offboarding Off-Switch: The moment a team member, external contractor, or outsourcing provider who handles corporate cards (shared purchasing cards, travel cards, employee cards) leaves the organization, you must access the WasabiCard dashboard on that very same day. Head to the "User Management" panel to revoke their access permissions and permanently terminate or cycle any cards associated with them.
Mastering the Duo: "Freeze" vs. "Cancel":
Card Misplaced Temporarily: If you suspect a card is misplaced but cannot immediately confirm it is lost, click "Freeze" in the dashboard within seconds. This halts all transactions with zero fees, and you can instantly unfreeze it once found.
Confirmed Fraud or Physical Loss: The moment you notice an unauthorized charge or card data exposure, bypass any hesitation and select "Cancel Card" immediately. Once card credentials leak, they remain permanently vulnerable. Cancelling a card cuts off all subsequent fraud paths at a physical layer and eliminates the danger of accidental unfreezing.
Pre-Notify Support Ahead of Major Business Pivots: If your institutional plans to introduce high-ticket products, adjust major underlying billing workflows, or expand operations into unchartered international regions, please get in touch with your dedicated WasabiCard support representative ahead of schedule. Our risk team will calibrate personalized whitelist rules to ensure your legitimate high-volume global transactions are not mistakenly flagged or throttled by our system.