Arcot for Merchants is a comprehensive fraud prevention solution designed to protect e-commerce businesses from fraud, chargebacks, and operational costs. By leveraging patented predictive analytics, machine learning, and the extensive data provided by EMV 3-D Secure (EMV 3DS), Arcot for Merchants enables highly accurate, real-time fraud detection. This allows businesses to stop illicit transactions without impacting the customer experience. The solution utilizes a global risk network, patented neural network models, and powerful risk learning and scoring, drawing on billions of e-commerce authentication transaction data and decades of expertise in card-not-present (CNP) fraud. Arcot for Merchants provides instant analysis of multidimensional data, ensuring transparent fraud assessment during transactions. Its machine learning capabilities continuously refine its accuracy. Key benefits include frictionless authentication, real-time analytics, access to a global data network, and strong authentication options, helping businesses comply with regulations like PSD2 and issuer mandates. ○ Features:

• Frictionless Authentication: Minimizes authentication steps for legitimate customers, maximizing sales.
• Real-Time Analytics: Identifies and stops fraud instantly using EMV 3-D Secure data and predictive neural networks.
• Global Data Network: Provides visibility into scheme-agnostic data from issuers and merchants worldwide to identify potential fraud patterns.
• Strong Authentication: Offers various step-up authentication options, including OTP via SMS, push notifications, biometrics, and mobile OTP.
• EMV 3-D Secure Support: Leverages EMV 3DS data for enhanced fraud detection and compliance with industry standards.
• PSD2 Compliance: Helps businesses comply with mandates and governmental regulations like the EU Payment Services Directive (PSD2).
• Machine Learning: Continuously improves fraud detection accuracy through advanced machine learning algorithms.