What it solves
Fraud is cheapest to handle before authorisation and most expensive to handle as a chargeback. Without screening, the only control you have is switching a merchant off after the damage.
How it works
Rules at create time
Screening runs on the create path, before a transaction is handed to a provider, so a decision can block rather than merely record.
Velocity and pattern checks
Counts and amounts are evaluated across the tenant's own scope — per card, per customer, per merchant — with thresholds you set.
Ties into disputes
Screened decisions are retained, so when a chargeback arrives the evidence about what was known at the time is already there.
The advantage
Lower chargeback ratio
Which is not only a cost question — it is what keeps your MIDs in good standing with acquirers.
Per-merchant risk posture
A high-risk merchant can be screened hard without imposing that friction on everyone else on the tenant.
Explainable decisions
Rules are inspectable, so a declined merchant gets a reason instead of a shrug.
Availability
Enabled per billing plan, enforced at the transaction create path.