Customer enters payment information
Customer
browses on site
Customer enters site
Before customer enters
Card issuers
GP solutions
Payment gateways and acquirers
Customer journey
Merchants
Name
Email/phone
Purchase history
Marketing history
Blacklists
Proxy detection
IP address
Device ID
Keystroke behavior
Cart add velocity
Mouse tracking
Pages visited
Time on site
CVV
Amount
Different billing/
shipping addresses
Address
Issuing bank data
Name
Social media
Email/phone
Account
Purchases
Social media
Search engines
Public records
Return rates
Blacklists
Distance from typical home/IP address
Type of address
(e.g., work)
Devices used
IP address
Cart add velocity
Time on site
Pages visited
Mouse tracking
Keystroke behavior
Distance from typical home/IP address
Prior fraud at address
CVV
Amount
Address
Issuing bank data
Merchants see only purchase-specific data, making it difficult to track abuse.
Name
Email/phone
Purchase history
Marketing history
Blacklists
Proxy detection
IP address
Device ID
Keystroke behavior
Cart add velocity
Mouse tracking
Pages visited
Time on site
CVV
Amount
Different billing/
shipping addresses
Address
Issuing bank data
Name
Social media
Email/phone
Account
Purchases
Social media
Search engines
Public records
Return rates
Blacklists
Distance from typical home/IP address
Type of address
(e.g., work)
Devices used
IP address
Cart add velocity
Time on site
Pages visited
Mouse tracking
Keystroke behavior
Distance from typical home/IP address
CVV
Amount
Address
Issuing bank data
Payment gateways and acquirers have an even more limited view of customer behavior.
Purchase-specific data:
CRM
Records
Device
Browsing
behavior
Payment
info
Network data:
Public
identify
Cross-site
behavior
Past
devices
Browsing
benchmarks
Past
payments
Name
Email/phone
Purchase history
Marketing history
Blacklists
Proxy detection
IP address
Device ID
Keystroke behavior
Cart add velocity
Mouse tracking
Pages visited
Time on site
CVV
Amount
Discr. b/w billing/
shipping address
Address
Issuing bank data
Name
Social graph
Email/phone
Account
Purchases
Social media
Search engines
Public records
Return rates
Blacklists
Distance from typical home/IP address
Type of address
(e.g., work)
Devices used
IP address
Cart add velocity
Time on site
Pages visited
Mouse tracking
Keystroke behavior
Distance from typical home/IP address
Prior fraud
at address
CVV
Amount
Address
Issuing bank data
Guaranteed payments (GP) solutions offer an unmatched view of the customer and transaction.
Name
Email/phone
Purchase history
Marketing history
Blacklists
Proxy detection
IP address
Device ID
Keystroke behavior
Cart add velocity
Mouse tracking
Pages visited
Time on site
CVV
Amount
Different billing/
shipping addresses
Address
Issuing bank data
Name
Social media
Email/phone
Account
Purchases
Social media
Search engines
Public records
Return rates
Blacklists
Distance from typical home/IP address
Type of address
(e.g., work)
Devices used
IP address
Cart add velocity
Time on site
Pages visited
Mouse tracking
Keystroke behavior
Distance from typical home/IP address
CVV
Amount
Address
Issuing bank data
Guaranteed payments (GP) solutions offer an unmatched view of the customer and transaction.
Name
Email/phone
Purchase history
Marketing history
Blacklists
Proxy detection
IP address
Device ID
Keystroke behavior
Cart add velocity
Mouse tracking
Pages visited
Time on site
CVV
Amount
Different billing/
shipping addresses
Address
Issuing bank data
Name
Social media
Email/phone
Account
Purchases
Social media
Search engines
Public records
Return rates
Blacklists
Distance from typical home/IP address
Type of address
(e.g., work)
Devices used
IP address
Cart add velocity
Time on site
Pages visited
Mouse tracking
Keystroke behavior
Distance from typical home/IP address
CVV
Amount
Address
Issuing bank data
Card issuers are the furthest removed from the shopping experience, with very little access to data before the payment stage.
Prior fraud at address
Prior fraud at address
Prior fraud at address
Source: Bain & Company