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Fraud and Security

  • How secure is my information (i.e. payments, customer details) in Midtrans’ system?

    Midtrans is PCI-DSS Level 1 and ISO 27001 compliant. We have met the most rigorous of industry standards for payments and information security. Midtrans is assessed by certified auditors on an annual basis. For more information regarding PCI Standard, please click here. For more information regar...

  • What is fraud?

    Fraud in payments normally refers to a transaction that is unauthorized/illegal. For example, a fraudulent card transaction is a card transaction that is not authorized by the legitimate cardholder. The fraudsters typically illegally obtained the card information and then use it to purchase goods...

  • How does Midtrans protect online businesses from fraud?

    Midtrans provides a set of tools through AEGIS, Midtrans’ proprietary fraud detection system.AEGIS helps our partners to catch and detect fraudulent transactions, while keeping false positives at a minimum and maximizing acceptance rate.      

  • Are we completely protected from fraudulent transactions?

    While our fraud detection system is exceptionally effective at preventing online frauds, we cannot guarantee that fraud attempts can be completely isolated. The ever-evolving nature of fraud means it is an inevitable risk online merchants need to embrace and adapt to, just like how businesses con...

  • What is 3D-Secure?

    Three Domain Secure (3D-Secure or 3DS) is a security protocol supplementing online transactions made using cards by authenticating cardholders with one time password (OTP). While processing transactions secured by 3DS, cardholders will be redirected onto their respective Issuing Banks’ page to in...

  • What is ECI on 3DS protocol?

    Electronic Commerce Indicator (ECI) is a value returned by Directory Servers (namely Visa, MasterCard, JCB, and American Express) indicating the outcome of authentication attempted on transactions enforced by 3DS.Possible value returned by Visa, American Express, and JCB and its interpretation: ...

  • How does Midtrans’ fraud detection system work?

    Midtrans’ proprietary fraud detection system, AEGIS provides a set of tools to help identify and prevent fraudulent transaction. The first mechanism is through a blacklist database we have. The second mechanism is through a rules-based engine that checks transaction patterns based on numerous dat...

  • Preventing Frauds with Fraud Detection System

    Once online merchants start accepting online credit card payments, chargebacks and disputes are inevitable. As a payment gateway, Midtrans offers the 3DSecure as a form of protection, however 3DSecure does not guarantee a 100% fraud-free transactions. Banks and Principals (i.e. VISA, MasterCard, ...

  • Introduction to 3DS

    Online transaction is a condition where a physical card is not possible (CNP – Card not present) so then illegal usage and fraud often occur. There are many methods to minimize fraudulent transactions, and one of the most significant method is using 3DS.   About 3DS 3DS is Three Domains Secure, w...

  • FDS and 3DS

    With card-not-present transactions, merchants are exposed to the risk of accepting fraudulent transactions. Within the credit card realm, a transaction is considered as fraudulent if the transactions are not conducted by the rightful owner of the credit cards, or cardholder does not authorize the...