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NewProduct

• Advanced analytics: TranZlytics
Company: TranZlytics LLC uses advanced analytics to prevent
good transactions from being declined
Product: TranZlytics and differentiate between trusted and
Website: www.tranzlytics.com suspicious identities.
Contact: info@tranzlytics.com • Reputational scoring: TranZlyt-
ics' technology identifies good custom-
ers based on their transaction histories
and e-DNA. It assigns a reputation score
Real-time analytics to to each digital identity that goes through the platform.
The dynamic reputation score facilitates data-driven
block fraud, increase sales • GDPR compliance: The TranZlytics platform com-
decisioning.

plies with General Data Protection Regulation (GDPR)
ranZlytics LLC launched TranZlytics, a soft- policies and requirements by tokenizing and pseud-
ware-as-a-service (SaaS) payments and risk onymizing data.
management platform designed to optimize
T ecommerce payment streams. Combining Automated chargeback tools
machine learning with human oversight, the solution Keeping merchants below a 1 percent chargeback thresh-
helps ecommerce merchants defeat fraud and increase old is critical, especially in the high-risk merchant sector,
sales, company representatives stated. Its integrated net- Travers stated. TranZlytics aims to keep chargeback ratios
work provides real-time access to transaction data with below half a percent. "Fraud can hit a merchant's network
dynamic scoring, filtering and reporting capabilities. at any time, and merchants that breach that one percent

threshold risk fines, higher processing fees and even being
"Our secure portal provides activity overviews and real- shut down by their banks," she said. "Advanced, automat-
time threat-level alerts, enabling banks, processors, ISOs ed chargeback management programs have been shown
and merchants to thwart CNP fraud before it happens," to prevent 60 to 70 percent of fraudulent transactions."
said Sandy Travers, founder and CEO at TranZlytics LLC.
"It helps ISOs manage portfolio risk by showing them Human intelligence combined with machine learning,
where the bad actors are. The solution is easy to deploy linkage algorithms and automated technologies assess
and gateway and processor agnostic." Fraud is continually data flows, identify anomalies and prevent chargebacks
evolving, Travers noted, adding that TranZlytics evaluates from happening, Travers noted. A dedicated team of fraud
each fraud type, consistently shutting down emerging and chargeback experts use a holistic approach to help
fraud schemes to stop new iterations from developing. Dy- business owners keep processing accounts up and run-
namic fraud prevention tools are the best defense against ning at the lowest possible rate.
increasingly prevalent forms of fraud, she stated.
Blending human, artificial intelligence Travers mentioned that TranZlytics recently exposed a
fraud ring on a merchant's network and stopped transac-
"When it comes to fraud and chargebacks, one size doesn't tions before they were authorized. While transactions in
fit all," Travers said. "We understand that each business question were newly stolen identities, the platform's nu-
is unique and that fraudsters are sophisticated, which is merous fraud tools exposed anomalous behavior, includ-
why the TranZlytics platform is engineered to continu- ing non-working phone numbers, she said.
ously adapt and change."
Protect, prevent, preempt
TranZlytics further described the platform's benefits as TranZlytics platform's core principles are fraud
follows: protection, prevention and preemption throughout the
• Aggregated transaction data: TranZlytics culls trans- payments value chain. The company works with financial
action data from trusted sources to help merchants institutions, ISOs, sub-ISOs and agents, and enterprise-
manage risk, know their customers and make in- scale merchants to help them manage risk and increase
formed data-driven decisions. profits. "Onboarding a high-risk merchant requires a
• Single-access view: TranZlytics' secure portal pro- tremendous amount of due diligence," Travers said.
vides an enterprise-level view across a corporate net- "Losing that MID is a big loss for all stakeholders in terms
work, making information accessible, organizable and of onboarding costs, lost revenue, and banks can lose
easy to manage. multiple lines of business." Acquirers, processors and
• Turnkey deployment: The TranZlytics platform's risk teams are using the platform to manage risk, prevent
chargebacks and maintain healthy, profitable merchant
plug-and-play design makes it easy for companies to portfolios, she added.
deploy and customize.
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