Payment Fraud Prevention Software & Security Filters
Stop bad actors before they cost you a chargeback. Midcove's payment fraud prevention software screens every transaction against block lists you control — IP, email, phone, and BIN — and locks out repeat offenders automatically for 24 hours. It works with the NMI, Authorize.Net, Stripe, or PayPal account you already have.
Stop fraud at the door, not after the chargeback
Every fraudulent transaction you catch before it processes is a chargeback fee, a lost product, and a dispute you never have to fight. Midcove layers merchant-controlled fraud filters and automatic lockouts on top of your gateway's own protections, so risky attempts are declined before they ever settle.
The math is blunt. A blocked attempt costs you nothing; a fraudulent sale costs the goods, the chargeback fee, and hours of evidence gathering. Filters won't catch every dispute, which is why Midcove pairs them with full chargeback management software — alerts, evidence upload, and case tracking — for the ones that do get through.
- Block transactions by IP address, email, phone number, or card BIN.
- Automatic 24-hour lockout after repeated failed transaction attempts.
- Custom block lists you edit at any time — changes apply immediately.
- Works alongside your gateway's existing fraud protection, not instead of it.
Filter types at a glance
- IP blocking — stop known risky addresses before checkout.
- Email and phone blocking — reject flagged contact details.
- BIN blocking — decline card ranges tied to prior fraud.
- Velocity lockout — automatic 24-hour block after repeated failures.
Block bad actors by IP, email, phone, and BIN
Four merchant-controlled block lists, checked on every transaction before it reaches your gateway.
IP Blocking
Stop a single bad address or a repeat visitor probing your checkout. Any attempt from a blocked IP is declined before it processes.
Email Blocking
Reject addresses tied to past fraud, refund abuse, or chargebacks — no matter which card or IP they show up with next time.
Phone Blocking
Block phone numbers used on fraudulent orders. Useful for phone and mail orders keyed through the virtual terminal.
BIN Blocking
Decline entire card ranges by their first six digits when a bank identification number keeps showing up in fraud attempts.
Automatic account lockout that shuts down card testing
Card testing is the attack most merchants meet first: fraudsters run small transactions against lists of stolen card numbers to find the ones that are still live. Each test that fails still costs you authorization fees — and each one that succeeds becomes a chargeback.
Midcove watches for the signature of that attack: repeated failed attempts from the same customer in a short window. When the threshold is hit, the automatic account lockout blocks them for 24 hours — no manual monitoring, no 2 a.m. surprises. Combined with the AVS and CVV checks built into the virtual terminal, most card-testing runs die on the first few attempts.
Every blocked and failed attempt stays visible in your transaction management dashboard, so you can spot patterns, confirm the lockout fired, and add the offender's IP, email, or BIN to a permanent block list.
What the lockout stops
- Card-testing runs against stolen card lists.
- Brute-force retries of declined transactions.
- Scripted bots hammering your checkout or payment form.
- Repeat offenders cycling card numbers after a decline.
How payment fraud prevention software works in Midcove
From risky attempt to blocked transaction in three steps — no code, no new merchant account.
Set your filters
Add IPs, emails, phone numbers, or BINs to your block lists from the dashboard. Lists take effect immediately and you can edit them whenever you like.
Midcove screens every attempt
Each transaction is checked against your filters and recent failed-attempt history in real time, before it is sent to your gateway.
Risky attempts get stopped
Matches are declined automatically, and customers with repeated failed attempts are locked out for 24 hours. Everything is logged so you can review what was blocked and why.
One set of fraud rules for merchants, on every gateway
NMI, Authorize.Net, Stripe, and PayPal each ship their own fraud tools — and they only see the traffic on that one account. Midcove sits in front of all of them, so your fraud rules for merchants apply consistently across every MID you've connected.
Block an email once and it's blocked whether the next attempt routes through Stripe or Authorize.Net. If you run multiple gateways from one login, that single shared rule set is the difference between closing a hole and playing whack-a-mole account by account.
The rules themselves are deliberately transparent. There's no black-box score to second-guess: a transaction is declined because it matched a list you built or tripped a lockout threshold, and the log tells you which. All of it runs on infrastructure built to align with PCI DSS requirements, with encryption and tokenized card data throughout.
Layered defense, in order
- Your block lists — IP, email, phone, and BIN checks first.
- Velocity screening — automatic 24-hour lockout on repeated failures.
- AVS & CVV verification on keyed virtual terminal payments.
- Your gateway's own built-in fraud checks, untouched underneath.
Fraud prevention is one layer of your risk stack
Filters stop the obvious attacks. These tools handle everything around them.
Chargeback Management
When a dispute slips past your filters, track the case, upload evidence, and respond before the deadline — all from the same dashboard.
Chargeback management softwareMerchant Risk Management
Zoom out from single transactions to portfolio-level exposure — monitor dispute ratios and risk signals across every MID you manage.
Merchant risk management softwareReporting & Exports
See declines, blocked attempts, and lockouts alongside your sales data, then export it for finance or your processor.
Payment reporting softwarePayment Fraud Prevention Questions, Answered
What is payment fraud prevention software?
Payment fraud prevention software screens transactions before they process and blocks the ones that match known risk signals. Midcove does this with merchant-controlled fraud filters — IP, email, phone, and BIN block lists — plus an automatic 24-hour lockout after repeated failed attempts.
What fraud filters does Midcove support?
Midcove supports IP blocking, email blocking, phone blocking, and BIN blocking. You control every list, so you can block a single bad actor, a suspicious card range, or any combination of the four.
How does the automatic 24-hour lockout work?
When the same customer racks up multiple failed transaction attempts in a short window, Midcove automatically locks them out for 24 hours. That shuts down card-testing runs and brute-force retries without any manual work from your team.
What is card testing, and how does Midcove stop it?
Card testing is when fraudsters run small transactions against stolen card numbers to find the ones that are still live. Midcove's velocity screening catches the repeated failures this generates and triggers the automatic 24-hour lockout, while your IP and BIN filters block the source going forward.
Can I customize my fraud rules and block lists?
Yes. You can add or remove IP, email, phone, and BIN entries at any time from your dashboard, and changes take effect immediately. Enterprise plans add custom fraud rules and velocity limits tuned to your business.
Does Midcove replace my gateway's built-in fraud tools?
No — it layers on top of them. Your NMI, Authorize.Net, Stripe, or PayPal account keeps its native protections, and Midcove adds merchant-controlled block lists and automatic lockouts that apply across every gateway you connect.
Does Midcove use machine-learning fraud scoring?
No. Midcove uses transparent, rule-based filters you control — block lists and velocity lockouts — so you always know exactly why a transaction was declined. There is no black-box score to second-guess.
Will fraud filters block my legitimate customers?
Block lists only decline transactions that match entries you added, so false positives stay rare and under your control. If a good customer trips a lockout or hits a stale entry, remove the entry and they can pay again.
Which Midcove plans include fraud prevention?
Starter ($49/month) includes basic fraud filters with IP and email blocking. Growth adds phone and BIN blocking plus the automatic 24-hour lockout, and Enterprise adds custom fraud rules and velocity limits.
Do fraud filters reduce chargebacks?
Yes — every fraudulent transaction blocked before it processes is a chargeback that never happens. Paired with Midcove's chargeback alerts and dispute tracking, filters shrink both the volume of disputes and the time you spend fighting them.
Shut the door on fraudulent transactions
Layer IP, email, phone, and BIN filters on top of the gateway you already use — most merchants go live the same day.