Fraud Protection
ClapPay actively protects your account and business from fraud.
How We Protect You
For Personal Accounts
Transaction monitoring:
- AI analyzes every transaction
- Unusual activity flagged
- Automatic blocks on suspicious transfers
Account protection:
- Login anomaly detection
- Device fingerprinting
- Geographic analysis
Liability protection:
- Unauthorized transactions covered
- Zero liability for fraud (conditions apply)
- Rapid dispute resolution
For Business Accounts
ClapPay Radar:
- Machine learning fraud detection
- 300+ signals analyzed per transaction
- Block fraud before it happens
Customizable rules:
- Set your own risk thresholds
- Custom block rules
- Manual review queues
ClapPay Radar for Businesses
Radar is our fraud prevention system:
What It Detects
- Stolen cards
- Card testing attacks
- Unusual transaction patterns
- High-risk locations
- Velocity attacks (many attempts)
- Device anomalies
How It Works
Every transaction is scored:
- Low risk: Automatically approved
- Medium risk: Additional verification
- High risk: Blocked or manual review
Customizing Radar
- Go to Settings → Security → Radar
- Adjust risk threshold
- Create custom rules:
- Block certain countries
- Require 3DS for amounts over $X
- Review orders with multiple cards
- Enable/disable checks
Transaction Verification
For high-value or unusual transactions:
What you might see:
- SMS/email verification request
- In-app confirmation
- Security questions
Why this happens:
- Large transfer amount
- New recipient
- Unusual location
- First transaction type
If Fraud Occurs
Personal Account
- Report immediately in-app
- We investigate
- Funds typically restored within 48 hours
- Account secured
Business Account
- Mark transaction as fraud
- Block customer card
- Submit dispute evidence
- Learn from incident
Reporting Fraud
- In-app: Transaction → Report Fraud
- Phone: 24/7 fraud hotline
- Email: fraud@clappay.com
The faster you report, the better we can help.
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