Fraud Protection Settings – Choosing the Right Level

Bankful’s Fraud Protection is designed to help protect your business from fraudulent transactions while keeping your checkout experience smooth for real customers.

You can choose between three levels of protection, depending on how aggressively you want to block potentially risky transactions.

Low Sensitivity

Maximize Approvals

Best for

• New or growing businesses
• Merchants focused on maximizing conversions
• Lower-risk products or customer bases

How it works

This setting is the most permissive. It only blocks transactions that show very strong signs of fraud, while allowing most customers to complete their purchase without interruption.

What we look for

• Known fraud activity (extreme cases only)
  Only blocks customers with a strong history of chargebacks
• High-risk locations (monitored)
  Transactions from certain regions are reviewed but not automatically blocked
• Unusual activity (higher limits)
  Allows more repeat purchases before flagging suspicious behavior
• Risk scoring (lenient)
  Only blocks transactions with very low trust scores
• Hidden identity tools (e.g., masked locations)
  Detected but not automatically blocked

What this means for you

• Higher approval rates
• Smoother checkout experience
• Increased exposure to fraud

Balanced (Recommended)

Balanced Protection

Best for

• Most merchants
• Businesses looking for a balance between protection and approvals

How it works

This setting provides a balanced approach. It blocks transactions that show clear signs of fraud while allowing legitimate customers through using intelligent risk analysis.

What we look for

• Known fraud activity
  Blocks customers with multiple past chargebacks
• High-risk locations (context-aware)
  Blocks transactions from high-risk regions when combined with other risk signals
• Unusual activity (moderate limits)
  Detects and stops rapid repeat purchases (common in card testing)
• Smart risk scoring
  Evaluates every transaction and blocks those that appear risky
• Mismatched information (when risk is elevated)
  Flags differences in billing, shipping, or location when combined with other risk signals
• Hidden identity tools
  Blocks attempts to disguise location or identity

What this means for you

• Strong fraud protection
• Healthy approval rates
• Recommended for most businesses

High Sensitivity

Maximum Fraud Protection

Best for

• High-risk industries
• Merchants experiencing fraud or chargeback spikes
• Businesses prioritizing security over approvals

How it works

This setting is the most aggressive. It blocks transactions that show any meaningful sign of risk, even if it means declining some legitimate customers.

What we look for

• Any history of fraud
  Blocks customers with even minimal chargeback history
• High-risk locations (strict blocking)
  Automatically blocks transactions from certain regions
• Unusual activity (strict limits)
  Quickly blocks repeated purchase attempts
• Stricter risk scoring
  Blocks transactions with moderate risk – not just extreme cases
• Mismatched information (strict enforcement)
  Blocks transactions with inconsistent billing, shipping, or location details
• Hidden identity tools
  Immediately blocks anonymized or masked activity

What this means for you

• Maximum fraud protection
• Higher chance of declining legitimate customers

Not Sure Which to Choose?

Here’s a quick guide:

• Want the least friction at checkout? → Low Sensitivity
• Want the best balance (most common choice)? → Balanced
• Dealing with fraud or chargebacks? → High Sensitivity

Can I Change This Later?

Yes. You can update your fraud protection level at any time, and changes will apply to new transactions moving forward.

Final Note

Fraud protection is about balancing risk vs. approvals. Choosing the right level depends on your business model, customer base, and tolerance for risk.

The Fraud Protection product provides no guarantee against fraud, or other unauthorized activity nor the prevention of resulting chargebacks, and/or payment network fees. All applicable fees for use of the product and for any transactions apply. While assistance is available via email or articles, the merchant is ultimately responsible for enabling the product selection to determine how the product will assess transactions. The merchant is solely responsible for assessing the risk of its transactions and implementing any risk management controls that are reasonably necessary to prevent unauthorized activity. The final responsibility for accepting or rejecting a transaction will remain with the merchant.

07.07.2026