Documentation Index
Fetch the complete documentation index at: https://support.wepayments.com.br/llms.txt
Use this file to discover all available pages before exploring further.
This guide covers improving credit card approval rates, understanding the anti-fraud procedure, using free/block lists, the chargeback process, and restrictive lists.
Anti-fraud procedure (Credit Card)
The anti-fraud system is provided by our card processing partner and applies exclusively 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 |
💡 The system is designed to ensure that false positives do not contaminate the analyses.
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.
| Best practice | Why |
|---|
| Always fill email correctly | Prevents unnecessary fraud flags |
| Use business emails when possible | More reliable than free email providers |
| Verify email format | Simple typos cause false positives |
Free and block lists
You can create custom lists to improve approval rates without compromising security.
| List type | Effect |
|---|
| Free list | Releases buyers according to their consumption profile – transactions from these emails are less likely to be flagged |
| Block list | Blocks buyers based on risk profile – transactions from these emails are automatically rejected |
💡 Using free and block lists helps increase purchase approval rates for legitimate customers while maintaining security.
How to use free/block lists
| Step | Action |
|---|
| 1. Identify patterns | Analyze customer behavior to identify trusted and risky users |
| 2. Add to list | Configure lists via Dashboard or API |
| 3. Monitor | Track approval rates and adjust as needed |
Restrictive lists and screening
WEpayments screens transactions against multiple restrictive lists:
| List type | Description |
|---|
| Sanctions lists | OFAC, UN, EU, and Brazilian government sanctions |
| PEP lists | Politically Exposed Persons |
| Internal blacklists | Entities previously flagged |
| Watchlists | Regulatory and law enforcement lists |
| Negative media lists | Entities associated with adverse news |
💡 Transactions involving entities on sanctions lists are automatically blocked.
Understanding the credit card chargeback process
A chargeback occurs when a customer disputes a transaction with their card issuer and requests a refund.
Common chargeback reasons
| Reason | Description |
|---|
| Fraudulent transaction | Customer claims they did not authorize the purchase |
| Product not received | Customer claims they never received the product/service |
| Product not as described | Customer claims product/service differed from description |
| Technical error | Customer was charged multiple times or incorrect amount |
How to prevent chargebacks
| Prevention measure | Description |
|---|
| Clear descriptors | Statement descriptor should clearly identify your business |
| Shipping confirmation | Provide tracking numbers and delivery proof |
| Customer support | Respond quickly to customer complaints |
| Fraud screening | Use WEpayments anti-fraud system |
| Refund proactively | Offer refunds before customer initiates chargeback |
What to do when a chargeback occurs
| Step | Action |
|---|
| 1. Receive notification | WEpayments notifies you of the chargeback |
| 2. Gather evidence | Collect transaction details, delivery proof, customer communication |
| 3. Submit defense | Provide evidence to our team for chargeback defense |
| 4. Await decision | Card issuer makes final decision (can take 30-90 days) |
💡 Chargeback fees may apply. Contact support for details.
MED notifications (PIX fraud returns)
The Special Return Mechanism (MED) is a Central Bank of Brazil process that allows banks to return funds from suspected fraudulent PIX transactions.
How MED impacts approval
| Aspect | Description |
|---|
| Trigger | Customer fraud complaint or bank suspicion |
| Impact | Funds frozen during investigation |
| Outcome | Funds returned (if fraud confirmed) or released (if legitimate) |
| Prevention | Maintain transaction records and delivery proofs |
Best practices to improve approval rates
| Practice | Why it helps |
|---|
| Validate email addresses | Email is a key fraud signal |
| Use free lists for trusted customers | Reduces false positives |
| Monitor chargeback ratios | High ratios may lead to restrictions |
| Provide clear billing descriptors | Reduces customer confusion and disputes |
| Respond quickly to compliance | Prevents transaction holds |
