Fraud protection Protect your business against fraud.
We help minimize the risk of fraud with our PCI compliance and check-fraud prevention tools.
Card security and compliance
PCI compliance is key to cardholder data security. Keep data safe with a trusted compliance program backed by the Payment Card Industry Data Security Standard (PCI DSS).
Card security and compliance benefits
- Focuses on the education needed to understand PCI DSS compliance
- Provides the tools required to demonstrate compliance
- Delivers financial-protection programs to mitigate financial exposure should a breach occur
Credit card fraud and chargeback management
The first line of defense in card fraud is information. We offer a wide array of information to businesses on fraud trends and security measures via online tools.
Credit card fraud and chargeback management benefits
- Manage chargebacks and reduce write-offs with online tools like Payments Insider
- Organizes workflow to meet regulatory deadlines, and create queues based on attributes
- Prioritizes cases by key factors, such as ability to defend and the chargeback amount
- Assigns work based on staff knowledge and experience
- Creates response templates based on best business practices
Customer check risk management
Convert checks into electronic payments at the point of sale and reduce check fraud with instant check verification services.
Credit card fraud and chargeback management benefits
- Converts checks to electronic transactions and guarantees funds through Electronic Check Services (ECS). The guarantor assumes the risk for all qualified transactions processed.
- Converts checks to electronic transactions and verifies that the check is good. The merchant retains the risk of returned items for all transactions that are processed.
- Eliminates the need for merchants to perform collections by using a third-party provider for collection efforts. The merchant retains the risk on returned items but ECS automatically handles all monetary returned items.
Fraud control for issued checks
Business check fraud can include lost or stolen checks; and altered payee names and counterfeit checks (including paychecks). Our prevention tools put you in control.
Fraud control for issued checks benefits
- ACH Filter and Block is a service that prevents unauthorized electronic debits from posting to your account.
- SinglePoint® Essentials Positive Pay is an optional check-verification service that provides a daily list of exceptions with mismatches between presented and issued checks (including exceptions for multiple accounts and ACH-converted items).
- Benefit from a U.S. Bank partnership with Treasury Software to bring you a simple, cost-effective solution to create Positive Pay issue files for checks.
- Check Filter is a service that prevents unusually large checks over a dollar amount you specify from being paid; it also prevents the posting of checks on in-clearings, at U.S. Bank branches and on items that have been converted to ACH e-checking transactions for Accounts Receivable (ARC), Point-of-Purchase (POP) or Re-presented Check (RCK).