Blacklisting in the payment sector

Protection against fraud and attempted fraud with a blacklist.

What is a blacklist?

In general, a blacklist collates activity, information or data in violation of a given system’s regulations. They are sometimes referred to as negative lists or indexes. Payment blacklists include the data of untrustworthy customers.

  • Shuts out suspicious buyers
  • Increases transaction security
  • Can be maintained internally or externally

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How are blacklists used in e-commerce?

In e-commerce, blacklisting is used to prevent fraud. A given blacklist includes data from customers who have proved to be unreliable in the past. This enables online retailers to exclude disreputable or suspicious customers and prevent fraud before incurring any loss.

A blacklist is automatically checked against during transaction processing. If the buyer’s data is on the blacklist, the transaction is rejected.

Blacklist Restricted List

What information do payment blacklists record?

Blacklists record all information from individuals who have been flagged as untrustworthy in the past. To prevent fraudulent transactions in e-commerce, the buyer’s name, transaction data, bank data, IP addresses, and email addresses may be listed. For example, if a buyer defaults on one or more purchases, their data is immediately placed on the blacklist. This protects retailers against further fraudulent activity.

The advantages of blacklisting in e-commerce

Security and protection

Blacklists provide data that allows protection against fraud prior to incurring any loss.

Complete and up to date

Efficient blacklists are verified and updated regularly.

Automatic and fast

A blacklist is checked automatically during checkout in a matter of seconds.

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