Developer Portal

Fraud Controls

Heartland Ecommerce combats fraud through a variety of anti-fraud tools.

Advanced Fraud Screening

Heartland’s Advanced Fraud Screening (AFS) is designed to help e-commerce merchants lower their risk of online payment fraud.

Leveraging a rules-based decisioning model, this solution screens all transactions including authorization, sale, refund and verification. It also monitors unusual buying patterns that might indicate a fraudulent transaction including:

  • No match AVS responses on street address and zip code
  • High-risk international orders
  • CVV mismatches
  • Large sale and refund amounts
  • Refund amounts greater than the sale amount
  • Excessive authorization failures and sale attempts with the same Primary Account Number (PAN)
  • The PAN matches to an account in Heartland’s Negative File—a proprietary database of cardholder accounts with excessive fraud chargebacks

Fraud decisions are made in real time with an approval or decline response. Heartland’s AFS also supports manual order review and the ability for merchants to override a fraud decision made by the system (more details are provided in the following sections). Combined, these features help reduce losses due to fraud and provide additional security on valid transactions.

Contact support to opt-in to AFS

Consumer Authentication (3DSecure)

Heartland’s Consumer Authentication helps merchants reduce the risk of online payment fraud with minimal disruption to the checkout process. Powered by Cardinal Commerce®, a leader in Consumer Authentication, this service is available within Heartland’s Secure Submit SDKs and shopping cart plugins.

Learn more in our SDK documentation

Secure Online Payments & Reduce Fraud

According to an independent analysis completed by Coalfire, using Heartland's patent-pending tokenization technology (baked into each of our eCommerce integrations) can help reduce PCI-DSS scope down to filling out the short SAQ-A form – minimizing time and expenses associated with annual PCI compliance validation.

Download CoalFire White Paper

AVS / CVV

Address Verification Service (AVS) and Cardholder Verification Value (CVV) are simple service offered by the cardholders’ issuing banks. With Heartland’s payment gateway, you can elect to send automatic reversals for undersired AVS / CVV result codes, freeing you to focus on your core business logic. As an added bonus, the inclusion of AVS and CVV information during the request helps your transactions qualify for lower Interchange rates, further helping to reduce your overall cost of payment acceptance.

Contact support to manage these settings