Payment fraud protection from eCom Pay pairs an AI-powered, real-time risk engine with a dedicated Risk Analyst who tunes the rules to your business. Fraud is caught before it authorises, genuine customers sail through instead of being falsely declined, and every account carries the tools as standard, not as an add-on.
24 hrs
approval, once documents are in
150+
currencies processed
4.4
Trustpilot rating
2010
processing payments since
On this page Why it matters · What is included · How it works · In depth · FAQs
Fraud costs you twice. Once when a stolen card gets through, and again every time a nervous rule declines a genuine customer. Proper payment fraud protection is tuned to stop the first without committing the second.
Check your approval oddsStolen cards, card testing runs and account takeover cost the sale, the goods and the chargeback fee on top. A real-time engine screens every transaction as it happens, so fraud is stopped before it authorises rather than investigated after it settles.
Every falsely declined customer is revenue quietly walking out the door, and most businesses never find out it happened. Rules tuned to how your customers actually behave approve the genuine ones that blanket screening turns away.
Fraud that gets through becomes chargebacks, and chargebacks become a ratio the card schemes watch. Keeping fraud out at the front door protects the account itself, not just the individual sale.
Every eCom Pay account carries the full risk toolkit as standard, tuned by a human who knows your business and adjusted as it grows.
Every transaction is screened by an AI-powered engine as it happens, scoring the signals and stopping fraud before it authorises. No batch reviews, no morning-after surprises.
A named human analyst applies and refines sophisticated rule sets built around your products, your customers and your risk appetite, then keeps refining them as the picture changes.
Velocity checks watch transaction speed and frequency, count thresholds cap how many, and amount thresholds flag what is unusually large for your business specifically.
Strong customer authentication runs through the checkout and Pay by Link, keeping you compliant and shifting fraud liability on authenticated transactions away from your business.
Detailed, customisable reports show what was screened, what was stopped and what the rules are doing, so decisions about risk are made on evidence rather than instinct.
Chargeback and dispute management sits in the same dashboard, so the rare fraud that slips through is fought with evidence rather than absorbed as a cost.
Fair. So here is what UK merchants say after switching to eCom Pay, in their own words.
It was such a pleasure working with eCom Pay for my company, very straightforward to set up and the team were so helpful. No hidden fees, cost efficient, and from using other platforms before I can say this has been the best so far.
Verified merchantvia Trustpilot
We found eCom Pay to be a simple, efficient payment system to integrate, with a lot of support behind it. Would recommend them over competitors who charge far too much.
Verified merchantvia Trustpilot
Great customer service from eCom Pay. Needed a card reader for my business, they had me set up fast and gave me better rates than the last company. Highly recommend.
Verified merchantvia Trustpilot
Super impressed with eCom Pay. The transaction fees are competitive, and I love that my customers have multiple payment options, which has noticeably improved my sales.
Verified merchantvia Trustpilot
Good service from eCom Pay. The card machines are reliable and easy to use. I like that there are no hidden fees and everything is explained upfront.
Verified merchantvia Trustpilot
Would highly recommend. Easy, simple, and always answers when I need help. The best payment gateway I have come across, with a wide variety of packages available.
Verified merchantvia Trustpilot
Fraud and the chargebacks it drags behind it are best fought at four levels at once. Every eCom Pay account runs all four.
The real-time engine and 3D Secure 2 stop fraudulent transactions before they authorise, with authenticated payments shifting liability away from your business.
Open Banking payments run bank to bank with no card network involved, which means no card chargebacks on those transactions at all. For qualifying payments the problem is not reduced, it is absent.
Tokenisation keeps real card numbers out of your systems, so the data a fraudster wants is simply not there to steal. Less stored data means less fraud at the root.
Dispute tools in the dashboard plus your Risk Analyst handle the rare cases that get through, with evidence, representment and rule refinements so the same hole does not open twice.
Read the full guides on online fraud prevention and minimising chargebacks.
An AI-powered, real-time risk engine, a dedicated Risk Analyst who tunes rules to your business, velocity and threshold controls, 3D Secure 2 authentication, risk reporting and dispute management tools. All of it comes as standard on every account rather than as a paid add-on.
Screening that happens while the transaction happens. Each payment is scored against your rule set in the moment, so fraud is declined before it authorises instead of being discovered in a report the next day. Genuine customers notice nothing, because for them nothing changes.
A false decline is a genuine customer refused by an overcautious rule, and most businesses never see the revenue it costs because the customer simply buys elsewhere. Preventing false declines is designed into our screening, which is why the rules are tuned to your actual customers rather than a generic template.
They build and refine the fraud prevention rule sets around your specific business, your products, your order patterns and your appetite for risk, then adjust them as the business changes. It is the difference between screening tuned by someone who knows you and a template that treats every merchant the same.
The current strong customer authentication standard for online card payments. The customer is verified by their bank during checkout, usually invisibly, and successfully authenticated transactions shift fraud liability away from your business. It runs through the checkout and Pay by Link as standard.
That is the whole design. Velocity checks, transaction count limits and amount thresholds are configured to your patterns at setup and refined over time by your Risk Analyst, so protection tightens where your risk actually lives instead of everywhere at once.
No. The risk engine, Risk Analyst, controls, 3D Secure 2 and reporting come as standard on every eCom Pay account, and there is no setup fee to apply. Protection this fundamental should not be an upsell.
Most chargebacks start as fraud, so stopping fraud at authorisation removes them at the source. The layers then stack, Open Banking removes card chargebacks from qualifying payments entirely, tokenisation shrinks the stored data fraudsters target, and dispute tools manage whatever remains.
Written by the eCom Pay team. Reviewed August 2026. Last updated August 2026.
The full risk toolkit as standard, tuned by a dedicated Risk Analyst, approved in 24 hours once your documents are in.
See every capability on the features hub, or read the guide on online fraud prevention.