Payments and Fraud Basics
Payments and Fraud Basics
Reduce chargebacks and checkout friction without sacrificing conversion.
Why Payments and Fraud Setup Matters
Payments are where revenue is won or lost. Fraud controls are where trust is protected.
When payment and fraud setups are weak, brands often face:
Failed checkouts and lost conversions
High chargeback rates
Fraud losses and disputes
Blocked payment methods
Poor customer experience
The goal is balance. Enable legitimate buyers while stopping risky transactions.
How to Set Up Payments and Fraud Controls Step by Step
Step 1: Offer the Right Payment Methods
Customers abandon carts when their preferred payment option is missing.
Common payment methods include:
Credit and debit cards
Local payment methods
Wallets and BNPL options
Cash on delivery where applicable
Choose methods based on customer location, order value, and category.
Step 2: Configure 3DS and SCA Correctly
3DS and SCA add security, but poor setup increases friction.
Best practices include:
Using risk based 3DS
Exempting low risk and low value transactions
Applying step up authentication only when needed
Monitoring authentication success rates
Correct configuration protects revenue while meeting regulatory requirements.
Step 3: Set Fraud Rules and Risk Thresholds
Fraud tools rely on rules and signals.
Common fraud signals include:
Mismatched billing and shipping
High velocity orders
Unusual order values
Suspicious IP or device behavior
Set thresholds carefully. Overly strict rules block good customers.
Step 4: Monitor and Manage Disputes
Disputes are part of ecommerce. How you handle them matters.
Effective dispute management includes:
Tracking chargeback reasons
Responding within deadlines
Submitting strong evidence
Identifying repeat fraud patterns
Updating fraud rules based on outcomes
Reducing disputes protects payment acceptance and fees.
What Good Payments and Fraud Setup Enables
A balanced setup helps brands:
Maximize checkout conversion
Reduce chargebacks and fraud losses
Protect payment acceptance rates
Meet compliance requirements
Scale payments across regions
Build customer trust
Payments and fraud controls should evolve as your business grows.
The Smart Way to Balance Payments and Risk: Streamoid
Streamoid helps brands connect insights, data, and operations across ecommerce systems.
With Streamoid, you can:
Analyze order and payment performance signals
Identify patterns behind fraud and chargebacks
Align product, pricing, and channel strategies
Support data driven decisions across ecommerce operations
Streamoid brings visibility to the signals behind payments and risk.
Who This Is For
D2C brands
Ecommerce operators
Marketplace sellers
Finance and risk teams
Growth and operations teams
Next Steps
Protect revenue while keeping checkout friction low.
Explore ecommerce solutions
Use insights to reduce risk
Learn best practices for payments and fraud
Why Payments and Fraud Setup Matters
Payments are where revenue is won or lost. Fraud controls are where trust is protected.
When payment and fraud setups are weak, brands often face:
Failed checkouts and lost conversions
High chargeback rates
Fraud losses and disputes
Blocked payment methods
Poor customer experience
The goal is balance. Enable legitimate buyers while stopping risky transactions.
How to Set Up Payments and Fraud Controls Step by Step
Step 1: Offer the Right Payment Methods
Customers abandon carts when their preferred payment option is missing.
Common payment methods include:
Credit and debit cards
Local payment methods
Wallets and BNPL options
Cash on delivery where applicable
Choose methods based on customer location, order value, and category.
Step 2: Configure 3DS and SCA Correctly
3DS and SCA add security, but poor setup increases friction.
Best practices include:
Using risk based 3DS
Exempting low risk and low value transactions
Applying step up authentication only when needed
Monitoring authentication success rates
Correct configuration protects revenue while meeting regulatory requirements.
Step 3: Set Fraud Rules and Risk Thresholds
Fraud tools rely on rules and signals.
Common fraud signals include:
Mismatched billing and shipping
High velocity orders
Unusual order values
Suspicious IP or device behavior
Set thresholds carefully. Overly strict rules block good customers.
Step 4: Monitor and Manage Disputes
Disputes are part of ecommerce. How you handle them matters.
Effective dispute management includes:
Tracking chargeback reasons
Responding within deadlines
Submitting strong evidence
Identifying repeat fraud patterns
Updating fraud rules based on outcomes
Reducing disputes protects payment acceptance and fees.
What Good Payments and Fraud Setup Enables
A balanced setup helps brands:
Maximize checkout conversion
Reduce chargebacks and fraud losses
Protect payment acceptance rates
Meet compliance requirements
Scale payments across regions
Build customer trust
Payments and fraud controls should evolve as your business grows.
The Smart Way to Balance Payments and Risk: Streamoid
Streamoid helps brands connect insights, data, and operations across ecommerce systems.
With Streamoid, you can:
Analyze order and payment performance signals
Identify patterns behind fraud and chargebacks
Align product, pricing, and channel strategies
Support data driven decisions across ecommerce operations
Streamoid brings visibility to the signals behind payments and risk.
Who This Is For
D2C brands
Ecommerce operators
Marketplace sellers
Finance and risk teams
Growth and operations teams
Next Steps
Protect revenue while keeping checkout friction low.
Explore ecommerce solutions
Use insights to reduce risk
Learn best practices for payments and fraud
