Risk Control Services

About Risk Control Services

Risk Control Services is Paramotor’s’ in-house developed state-of-the-art risk containment engine based on algorithms and rules. Our risk transactions flagging and false positive ratios are in line with global standards. The goal is to protect merchants and financial institutions from losses arising from fraudulent transactions.


RCS - Features

RCS is a risk engine that is acquirer specific. Most of the other risk engines are Issuer side risk related engines that have been re-engineered for Acquirer side purposes

It is a complex engine that works with a combination of Analytical models, algorithms and rules (See below diagram). The key IP in RCS is:
⦁ The merchant model which assigns a risk score to merchants based on a number of attributes of the merchants
⦁ 'Decision rules’ which decide whether a merchant’s transactions need to be flagged to a risk analyst

Fraud methods are constantly evolving and since Analytica is entirely in-house developed, updates as well as new rules can be built immediately as and when gaps are identified


Risk Advisory Services

  • Flexible models
  • Percentage of frauds prevented
  • SAAS model – per terminal per month fee


  • Acquirer-specific Risk Engine
  • India centric rules
  • In-house developed. Any problems with engine can be resolved immediately

RCS Activities

  • The Fraud Alert workflow from Analytica is monitored constantly by experienced Risk Analysts
  • The Risk Analysts monitor for:
    Fraudulent activity, cash funding
    ⦁ High velocities, repeat card usage, usage across merchants, transactions over time, MCC averages, among others
  • The reports sent are:
    ⦁ Anomaly reports – recommendations on transactions to be held, recommendations on transactions for document collection. Number of Anomaly reports sent depends on the number of merchant settlements
    ⦁ High risk merchant reports
    ⦁ Ad hoc merchant flagging
    ⦁ Automated MIS reports per client requirements – transactions reports, reports by city, MCC, card etc

Dispute management services

  • Scrutinize incoming disputes report
    ⦁ Identify documents need to remedy disputes
    ⦁ Decline disputes for technical reasons if possible
  • Co-ordination with Field Service representative to get documents.
  • Representation/fulfilment of disputes in a defined TAT as per card schemes if all valid documents received.
  • Sharing best practices for reduction of Chargebacks.
  • Customised MIS based on client requirements.
  • Periodic calls to discuss disputes based on client requirements.

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