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FRAUD · RISK MANAGEMENT

Convert more, with the security your business needs with the security your business needs.

AI‑powered fraud prevention, 3DS 2.2 authentication and chargeback management all integrated in Kushki's payments platform.

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THE CONTEXT

Three challenges that affect the profitability of every transaction

Fraud that blocks legitimate approvals

Overly rigid prevention systems generate false positives legitimate transactions declined, turning into lost revenue.

Chargebacks without effective defense

When a chargeback arrives, most merchants lack organized evidence and sufficient response times to defend themselves before the card networks.

Fraud that scales undetected

Fraud patterns evolve constantly. Systems with static rules cannot adapt to real business behavior or detect new anomalies.

PREVENTION

An engine that adapts to your business, not the other way around

Fraud prevention is not just about blocking transactions. It's about optimizing approval of legitimate transactions while containing risk.

Dynamic and intelligent engine

Unlike systems with fixed thresholds, Kushki's engine uses dynamic averages calculated over the last 120 days of merchant behavior or over the MCC for new merchants to adapt organically to each business.

24/7 monitoring and automated response

When atypical patterns arise, the system acts automatically applying additional friction or adding to control lists without manual intervention, even outside business hours.

3DS 2.2 configurable by risk profile

Kushki does not impose a rigid 3DS 2.2 flow. Authentication can be configured by amount, transaction type, BIN risk or atypical behaviors balancing security and user experience on every transaction.

CHARGEBACKS

From chargeback as a loss to chargeback as a managed process

Kushki provides the tools, artificial intelligence and operational support to defend merchant revenue when a chargeback occurs.

AI agent for tracking

Query statuses, get charts and follow up on chargeback cases through a conversational interface integrated directly to the database available 24/7.

Defense with a specialized team

Our team analyzes, organizes and presents documentation under the standards required by Visa, Mastercard and other card networks. Documentation can be submitted from the console or by email.

Chargebacks API

Integrate chargeback tracking directly with your internal systems (ERP/CRM). Access real‑time statuses, historical records and fraud metrics without relying on the console front end.

IMPACT

Less fraud. More approvals. Protected operation.

0.3%

Chargeback rate

Compared to the 1.7% average in Latin America the result of combining proactive prevention and effective defense.

More transactions approved

The dynamic engine distinguishes between real fraud and legitimate transactions, improving approval rates without increasing risk.

Continuous regulatory compliance

Kushki proactively monitors fraud levels so merchants don't face penalties from Visa and Mastercard monitoring programs.

WHO IT'S FOR

Built for any merchant processing payments in Latin America

High‑volume online merchants

High‑risk verticals: gaming, fintech, financial services

Chains and multi‑country operations requiring centralized monitoring

Merchants that have faced card network monitoring programs

3DS 2.2

Strong authentication without unnecessary friction

How it works

Authenticates the cardholder with the issuing bank before authorization. Reduces fraud in card‑not‑present payments and shifts chargeback liability to the issuer.

Flexible configuration

Configurable by amount, transaction type, BIN risk or atypical behaviors without imposing friction on every payment.

Frequently asked questions

Kushki's engine does not operate with fixed thresholds. It uses dynamic averages calculated on each merchant's real behavior over the past 120 days, reducing unnecessary rejections of legitimate transactions.

Kushki supports the merchant throughout the defense process: the specialized team organizes documentation to each network's standards, and the platform allows submitting it from the console or by email. The chargebacks API also enables real‑time tracking from the merchant's own systems.

Not necessarily. Kushki allows configuring when to apply 3DS 2.2 based on each transaction's risk profile. It can be activated by amount, transaction type, BIN or atypical behaviors without imposing friction on every payment.

Yes. Kushki's risk team works with merchants facing Visa or Mastercard monitoring programs to implement measures that bring fraud and chargeback levels within the thresholds required by the networks.

Protect your operation with Kushki's fraud and risk suite

Proactive prevention, chargeback management and 3DS 2.2 authentication integrated in your payments platform.

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