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Automate High-Risk Onboarding: Streamline Risky Processes
Learn the best practices to automate high-risk onboarding, reduce security risks, and ensure a smooth, compliant onboarding experience.
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Solutions
European BanksWhite-label payment infrastructure for acquiring banks
Low-Risk PSPsWhite-label payment gateway for low-risk PSPs
iGaming & Forex PSPsBuilt for high-risk PSPs — full control over your channels
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Resources
Set up your payment processing system
SmartCheck
Give every payment more context.
SmartCheck provides signals derived from anonymized transactional history across PSPs processing payments on the eComCharge platform. Use these signals as conditions in Smart Routing to make processing decisions with more context.
Anonymized transactional history
Across PSPs on the eComCharge platform
SmartCheck
Provides historical signals
Historical signals
Current transaction
Transaction data
Smart Routing
Applies your processing rules
More context
Look beyond the current transaction.
Two payments can look similar based on current transaction data while their previous payment behaviour is different. SmartCheck brings that historical context into your processing rules.
Transaction A
- Amount
- €120
- Currency
- EUR
- Issuer country
- Germany
Transaction B
- Amount
- €120
- Currency
- EUR
- Issuer country
- Germany
SmartCheck
Adds historical context
Transaction A history
No chargebacks within the defined period
Transaction B history
Repeated payment failures
Traffic segmentation
Separate primary traffic from established traffic.
Use SmartCheck historical signals as conditions in Smart Routing to separate primary traffic from transactions with an established payment history and route the flows through different processing channels.
Keep primary traffic separate from processing channels used for transactions with an established payment history.
Transaction
SmartCheck
Historical parameter
Number of successful transactions per card
Smart Routing
Applies your traffic segmentation rules
Primary traffic
No established payment history
Processing channel A
Secondary traffic
Established payment history
Processing channel B
SmartCheck provides the historical signals. Smart Routing defines how the traffic is segmented and where it is sent.
More ways to use SmartCheck
Use payment history beyond traffic segmentation.
SmartCheck historical signals can also be used as conditions in Smart Routing rules to control authentication and transaction processing.
Authenticate
SmartCheck signal
No chargebacks in the defined period
Smart Routing rule
Skip 3DS
Control
SmartCheck signal
Repeated payment failures
Smart Routing rule
Reject
These are just two examples. Explore more SmartCheck parameters and rule scenarios in our Knowledge Base.
Explore SmartCheck documentation
SmartCheck
Bring payment history into your processing decisions.
Use SmartCheck historical signals together with Smart Routing to build processing rules around previous payment behaviour, not only the transaction in front of you.
Current transaction
SmartCheck
Historical signals
Smart Routing
Processing decision