Understanding Risk Reviews with Payments AI Gateway

Modified on Mon, 03 Jun 2024 at 03:27 PM

At Payments AI, we prioritize the security and integrity of every transaction processed through our platform. As part of our commitment to maintaining a safe and reliable payment environment, we conduct risk reviews to identify and mitigate potential risks associated with merchant accounts. One outcome of these reviews may be the temporary disabling of payouts until any identified issues are resolved. In this support article, we'll delve into the typical reasons why a merchant account might trigger a risk review and have its payouts disabled.

Reasons for Risk Review and Payout Disabling:

  1. Non-Compliant Website Language: Our advanced algorithms and web crawlers meticulously scan merchant websites for any language that may not comply with industry standards or regulations. This could include misleading information, non-disclosure of terms and conditions, or content that violates legal requirements. If discrepancies are found, we may initiate a risk review and temporarily disable payouts until the merchant rectifies the issues.

  2. High Card Refusal Rates: Excessive card refusal rates can be indicative of underlying problems within the merchant's payment processing system. This could range from technical glitches to inadequate fraud prevention measures. High refusal rates may raise concerns about potential fraud or poor customer experience. To address these issues, we may conduct a risk review and disable payouts until the merchant implements necessary improvements.

  3. High Chargeback Rates: Chargebacks pose significant challenges for merchants and payment service providers alike. Consistently high chargeback rates may signal issues such as product dissatisfaction, poor customer service, or fraudulent activities. To investigate the root causes and implement remedial measures, we may initiate a risk review and temporarily disable payouts until the merchant addresses the underlying issues.

  4. Notifications of Fraud: Our sophisticated fraud detection systems continuously monitor transactions for any suspicious activities. If multiple notifications of fraudulent activities are received from card networks, financial institutions, or internal fraud detection systems, we may flag the merchant account for a risk review. Payouts may be disabled until the merchant resolves the reported incidents and implements enhanced security measures to prevent future fraud.

At Payments AI, we are dedicated to maintaining a secure and reliable payment environment for our merchants and their customers. By understanding the reasons for risk reviews and leveraging the resources available, you can proactively address potential issues and ensure the continued trust and confidence of your customers and payment service providers. 

If your gateway account is under review and payouts disabled, the review process generally takes about 3 business days. After review, payouts may become enabled again automatically or we may reach out with some additional questions.

If you have any additional questions, please contact our Support Team by clicking the support widget in the bottom right corner of this page or email us at support@payments.ai.

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