Documentation Index
Fetch the complete documentation index at: https://support.wepayments.com.br/llms.txt
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WEpayments employs a comprehensive monitoring and risk management framework to ensure transaction security, regulatory compliance, and fraud prevention. This guide explains transactional monitoring, restrictive lists, anti-fraud procedures, and MED fraud notifications.
Transactional Monitoring
Transactional monitoring is the continuous real-time analysis of all payments processed through the WEpayments platform. Its purpose is to identify suspicious patterns, prevent fraud, and ensure compliance with regulatory requirements (including Central Bank of Brazil and anti-money laundering regulations).
What is monitored?
| Monitoring dimension | What is analyzed |
|---|
| Transaction velocity | Frequency of payments to/from same beneficiary |
| Amount patterns | Unusually high or low values relative to historical behavior |
| Geographic origin | IP addresses, beneficiary bank locations |
| Beneficiary relationships | Connections between payers, payees, and intermediaries |
| Device fingerprinting | Browser, operating system, and device identifiers |
| Historical behavior | Deviation from established customer patterns |
💡 Monitoring applies to both Payin (incoming) and Payout (outgoing) transactions.
Restrictive Lists
WEpayments maintains and cross-references multiple restrictive lists as part of our compliance framework.
Types of restrictive lists
| List type | Description |
|---|
| Sanctions lists | OFAC, UN, EU, and Brazilian government sanctions |
| PEP lists | Politically Exposed Persons and their close associates |
| Internal blacklists | Entities previously flagged within WEpayments |
| Watchlists | Regulatory and law enforcement watchlists |
| Negative media lists | Entities associated with adverse news |
How restrictive lists impact your transactions
- Automatic blocking: Transactions involving restricted entities are automatically rejected
- Manual review: Some matches may require manual compliance analysis
- False positive handling: You can submit documentation to demonstrate no violation exists
Anti-fraud Procedure (Credit Card)
The anti-fraud system is provided by our card processing partner and applies to Credit Card transactions.
How it works
| Component | Description |
|---|
| Neural network | Interconnects multiple databases with dynamic indexing rules |
| Machine learning engine | Feeds risk analysis rule trees with behavioral pattern data |
| Rule trees | Map scenario-specific behavioral patterns to prevent false positives |
Critical field: Email address
The email address is one of the most important fields for fraud checking. Incorrect email addresses can trigger false fraud alerts.
Additional controls
You can create:
| List type | Effect |
|---|
| Free list | Releases buyers according to their consumption profile |
| Block list | Blocks buyers based on risk profile |
💡 Using free and block lists increases purchase approval rates without compromising security.
MED Fraud Notifications (Special Return Mechanism)
The Special Return Mechanism (MED) is a Central Bank of Brazil process that allows banks to return funds from suspected fraudulent transactions.
How WEpayments handles MED notifications
Your responsibilities when a MED notification occurs
- Respond promptly to document requests from the compliance team
- Provide proof of service delivery or product shipment
- Maintain records of customer communications and transaction history
Transactional Monitoring impact on your operation
Depending on the risk assessment, transactions may be:
| Outcome | Description | Next steps |
|---|
| Auto-approved | No risk indicators detected | Transaction processes normally |
| Flagged for review | Suspicious pattern detected | Transaction held for manual analysis |
| Blocked | High-risk or restrictive list match | Transaction rejected, notification sent |
| Under investigation | MED or external fraud report | Compliance team contacts you for documentation |
