Fraud management
Manage fraud without losing conversion
Your own fraud rules integrated into the orchestration flow. No reliance on engineering, no fixed PSP criteria, and no losing legitimate sales.
THE PROBLEM
Block too much and you lose sales. Block too little and you absorb fraud.
Managing fraud with fixed PSP thresholds creates the same problem as fraud itself: lost revenue. Without your own rules, you are always making the wrong decision.
01
Fixed PSP rules
Each processor applies its own criteria. Without visibility into what is blocked or why. With multiple PSPs, each one decides differently.
02
False positives
A legitimate customer with a foreign card or high amount gets blocked. You lose the sale and the customer leaves with a bad experience.
03
Without operational autonomy
Any adjustment to the fraud rules must go through engineering or the processor. The team cannot react to a new pattern.
×5
the real cost of each euro of direct fraud, including operations, compliance, and reputational damage
LexisNexis True Cost of Fraud 2026
+10%
of orders rejected for fraud are actually legitimate customers
MRC Global E-commerce Payments & Fraud Report 2024
HOW IT WORKS
Zru evaluates each transaction with a cumulative scoring system defined by you. The result not only determines if the payment is blocked, but also decides what happens next in the orchestration flow.
Define your strategy from the panel
Combine up to 42 predefined variables (amount, issuing country, BIN, IP, buyer history...) or add your own. Each rule adds or subtracts points from the total score. No code, no engineering tickets.
The score triggers the correct action
Depending on the risk level: frictionless payment, 3DS challenge, or blocking. The score is just another variable within the orchestration flow, not a two-state traffic light.
Instant block from the activity section
You detect a fraudulent transaction on the panel and block the card, BIN, IP, device, or email with one click. Without setting up anything additional. Any subsequent attempt is automatically rejected.
Amount
State
Payment method
373.00
EUR
Completed
Visa ···· 3432
54.00
EUR
Completed
Visa ···· 7623
Refund
Block
Send receipt
Copy payment ID
View details
301.00
EUR
Completed
Apple Pay
3.00
EUR
Completed
Mastercard ···· 3432
532.50
EUR
Completed
Bizum
5.00
EUR
Retained
Visa ···· 3411
18.30
EUR
Completed
Mastercard ···· 4532
Measure the impact of your rules
The statistics panel shows the evolution of your fraud rate and the volume of blocked transactions. Adjust your rules with data, not with intuition.
MEASURABLE IMPACT
Fewer false declines.
Less fraud. More control.
Market data on the impact of managing fraud with your own rules vs. relying on the PSP.
-40%
reduction in false positives with granular rules per profile
+4%
improvement in approval rate by reducing unnecessary rejections
< 1 day
to activate new rules in response to an emerging fraud pattern
Strategies
Choose how to respond to the risk
There is no single correct answer to fraud. You define what happens in each risk bracket, and you can change it whenever you want, without touching any code.
3DS
Without 3DS
12
LOW RISK
Frictionless approval, for trusted transactions
The payment flows without 3DS or interruptions. The buyer doesn't notice a thing. Repeat customers or those on a trusted list always take this path.
3DS
Without 3DS
54
MEDIUM risk
Proportional verification, for ambiguous transactions
The 3DS challenge is activated before processing. Neither blocked nor free-pass. The customer can complete the purchase by verifying their identity.
LOCKED
93
HIGH risk
Automatic block, for high-risk transactions
The transaction is rejected before reaching the processor. From the panel, you can block the item with a single click.
