Search
Eliminate fraud liability
When you approve orders that Vesta guarantees, you get to do business in a world without eCommerce fraud – because Vesta covers all fraud chargeback costs. This leaves you with more time and energy to focus on your core competencies rather than worrying about which orders you should approve.
Approve more orders
With Payment Guarantee, you enjoy higher approval rates because Vesta’s team of data scientists use their decades of experience fighting eCommerce fraud combined with highly precise machine learning models to guarantee more orders.
Simplify ops; Save money
Payment Guarantee is a fully managed service that handles all day-to-day detection logic updates on your behalf so you can extract yourself from the never-ending cat-and-mouse game with fraudsters, simplifying your fraud operations and reducing costs.
Frictionless experience
Payment Guarantee performs fraud risk assessments in real-time behind-the-scenes, so you do not have to introduce additional verification steps in your customer’s journey or ask customers to provide excessive information solely to help you make fraud decisions. Instead, you can optimize your customer journey and checkout experience for conversion.
Payment Guarantee’s pricing is designed to align incentives between you and Vesta. You are only charged when Payment Guarantee guarantees a transaction and you do not incur any cost when Payment Guarantee determines an order is fraudulent. This way, Vesta only makes money when you get guaranteed revenue and Vesta is incentivized to continuously improve detection to increase approval rates.
.jpg?length=1000&name=Untitled%20design%20(9).jpg "Untitled design (9)")
If you receive a fraud-related chargeback for an order Payment Guarantee guaranteed, you can initiate a claim via an API or via a self-service console, and you will receive a reimbursement for the chargeback amount (and any fees).
.png?length=1000&name=Untitled%20design%20(4).png "Untitled design (4)")
To provide highly accurate risk assessments, Payment Guarantee analyzes data from many sources, including device intelligence data, user behavior data, data from third-party intelligence sources, and data about fraudsters seen across Vesta’s network of merchant customers. Payment Guarantee processes this data and returns a decision in around a second, enabling real-time transaction risk assessments with no added friction to the customer experience.
.jpg?length=1000&name=Untitled%20design%20(2).jpg "Untitled design (2)")
Payment Guarantee provides an explanation for each transaction evaluation decision so that you know why Payment Guarantee determined it to be legitimate or fraudulent. Payment Guarantee also provides a summary of relevant data for each order in case you want to perform a secondary review or audit.
Payment Guarantee uses machine learning models created specifically for your business that learn fraud patterns and customer behavioral patterns unique to your business. This enables Payment Guarantee to produce precise risk assessments and guarantee more orders, including higher-risk orders that you may have previously declined.
.jpg?length=1000&name=Untitled%20design%20(4).jpg "Untitled design (4)")
Payment Guarantee uses patented techniques to uncover linkages in real-time between new transactions and previous transactions from your business and from transactions across other merchants in Vesta’s network. These linkages are used to increase confidence that orders are legitimate and root out hard-to-identify fraudsters missed by less sophisticated detection systems.
