Last updated: 2025-11-01
Anti-Fraud Policy
1. Purpose
This policy sets out how Delta Pay prevents, detects, investigates and responds to payment fraud across its merchant portfolio.
2. Framework
Our anti-fraud framework combines rule-based detection, machine-learning risk scoring, device intelligence, behavioural biometrics and expert human review.
3. 3-D Secure
We support 3-D Secure 2.2 with an exemption engine tuned per merchant risk profile to balance approval rates with liability shift.
4. Real-time controls
Transactions are evaluated against velocity limits, geo-IP mismatch, device fingerprint reuse, BIN attack patterns and issuer decline reasoning.
5. Chargeback management
We integrate with Visa RDR/CDRN, Mastercard Ethoca and issuer alerts to deflect disputes early. Representment is templated per reason code with success-rate analytics.
6. Merchant tooling
Merchants receive a fraud dashboard with rule builder, allow/block lists, custom risk thresholds and cohort analytics.
7. Human review
Edge cases are reviewed by trained analysts 24/7 with SLAs of four hours for high-value transactions.
8. Incident response
Confirmed fraud incidents trigger containment, notification (issuers, schemes, regulators as required) and post-incident review to update rules and models.
9. Reporting
Merchants receive monthly fraud & chargeback KPIs with actionable insights. Board-level reporting occurs quarterly.
10. Contact
Telegram @Deltapay_admin — 24/7 SOC — Business Bay, Dubai, UAE.