fraud

Ouch! What To Do When A Payment Fails

Categorizing errors, and learning to live with the disappointing Do Not Honor

Jun 11 •

The Unreasonable Effectiveness of Logistic Regression for Busting Payments Fraud

The slippery slope of ever more sophisticated models, and how easy it is for script kiddies to keep on outsmarting entire companies

Mar 26 •

Exemptions and Data Science: The European Way of Building 3DS

When to hedge fraud risk, and when not to, in the land of strict regulation.

Oct 23, 2024 •

The Customer Must Never Know: The American Way of Building 3DS

3DS is the great equalizer for online payments. But in the US, it is not mandatory. This has more significance than you might expect for engineers.

Oct 16, 2024 •

How to design mixed payment methods with store credits

Scaling a convenient alternative to cash refunds sows the seeds for a multi-method payment system, and a sophisticated loyalty program

Oct 9, 2024 •

Fighting Ghosts With Gremlins: A Primer on Credit Card Exemptions

Finally, an AI use case that I can stand behind

Jan 16, 2024 •

Check Me If You Can

Paper, Blockchain, and the Engineering Mindset of Payments

Jan 11, 2024 •

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