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Intelligent eCommerce Fraud Management — Protecting Customers Anytime, Anywhere

Preventing the unrelenting threat of fraud in today’s payments world means employing protection that’s not just real time but anytime.

ACI ReD Shield — a key component of ACI's UP eCommerce Payments solution — delivers real-time, multi-tiered protection that’s tailored to the needs of eCommerce merchants, payment service providers (PSPs) and Independent Sales Organizations (ISOs).

This intelligent fraud detection and prevention solution is delivered as a managed service through an expert team of payments risk analysts and provides instant decisions (accept/challenge/deny) on eCommerce and mCommerce transactions.

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ACI ReD Shield for Merchants

The ReD Shield solution gives customers the control and flexibility required to prevent fraud while maximizing conversation rates and revenue. The solution can be tailored to the needs of merchants across retail, hospitality, travel, telecom, digital goods and other vertical markets, to keep you one step ahead as fraud patterns and behaviors shift around the world.

ReD Shield Enables Merchants to:

  • Detect and prevent online fraud
  • Maximize sales revenues
  • Reduce chargebacks
  • Reduce manual reviews
  • Minimize false positives
  • Support business expansion into new markets, sales channels and payment types
  • Detect and manage domestic and cross-border payment fraud across all payment types

ACI ReD Shield Expertise

A Window Into Customer Transactions

The solution’s interactive self-service business intelligence portal, ACI ReDi, provides a near real-time and historic window into transaction data. Customers can now monitor their fraud detection, prevention and payment activities on a continual basis. Access the portal via the internet-anytime, anywhere- and you can see:

  • High-level dashboards and charts
  • Intuitive navigation and drilldowns
  • Layers of information, all the way down to individual transactions
  • Together, ReD Shield and ReDi give merchants the ability to detect and prevent fraud in real time — as well as ongoing visibility to critical transactional data, to let merchants and PSPs continually monitor and manage their fraud strategies — anytime, all the time.
Professional Expertise with Global Risk Analysts

The solution is tailored to meet the needs of individual merchants and managed by expert risk analysts. This team maintains a relentless focus on the business performance of their customers, to ensure business growth is enabled, fraud rules are tailored and manual reviews are kept to a minimum.

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Payments Risk Management in the Cloud

As the benefits of migrating to the cloud continue to increase, the need for powerful fraud protection has never been higher. ACI’s fraud management capabilities deliver unyielding protection, with innovative tools that include:

  • State-of-the-art adaptive machine learning: Our unique architectural approach facilitates real-time reacting and adapting to new fraud signals, driving fast decision-making and responses to emerging fraud threats.
  • Shared intelligence approach to leverage cross-industry knowledge and data: Fraud intelligence gathered through ACI’s extensive and global card-not-present and card-present fraud prevention network allow our global risk analysts and consultants to deliver standard and bespoke fraud strategies augmenting prospect/customer fraud teams.
  • Positive profiling: Profiling the customer, not the transaction, to enable merchants in all markets to benefit from the strength of our global consortium data.
  • Unrivaled real-time payments fraud screening: Working with merchants, issuers, acquirers, processors, and card networks, we’ve designed real-time detection and prevention techniques for comprehensive risk management that have been beating fraudsters for decades.
  • Deep understanding of payment engines: ACI has been leading the way in electronic and digital payments for more than 40 years, developing award-winning offerings for integrated payments and fraud processing for existing and emerging payments mechanisms such as immediate payments, mobile, person-to-person and more!
ACI ReD Fraud XChange

ACI ReD Fraud Xchange connects merchants with other merchants and with issuers in a multi-way, real-time and near real-time exchange of information – for faster fraud detection. Timely access to rich payment transaction data is the key to effective fraud prevention.

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ACI’s fraud solutions support more than 1,500 merchants, issuers, processors and switch networks protecting 17 billion transactions.

Case Studies

  • Aegean logo
  • Crew logo
  • Finish line logo
  • Retailer Success

Flying Ahead of Online Fraud with ReD Shield

Aegean Airlines, the largest carrier in Greece and a Star Alliance member, connects Greece with 87 international destinations in 32 countries, as well as flying to 33 domestic airports.

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Crew Clothing Dramatically Reduces Fraud Deny Rates with ACI ReD Shield

Crew clothing, a luxury casual clothing brand, has grown significantly and now operates 78 UK stores and a thriving online operation, as well as successful mCommerce and call center sales channels in the U.K. and EU.

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Beating Fraud to the Finish Line

Finish Line, premium high street and online retailer of athletic shoes, apparel and accessories, enlisted the help of ACI and its ACI ReD Shield® real-time fraud prevention service to counter fraud attacks and reduce costly chargebacks.

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Streetwear Retailer Combats Excessive Chargebacks to Deliver Double-Digit Revenue Growth

A fast growing streetwear retailer was faced with up to 3% chargebacks on fraudulent or potentially fraudulent card payments, which could significantly harm their reputation with loyal and trendsetting customers.

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