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Blacklist and Whitelist Management

The Sekuritance Rule engine has a powerful yet easy to configure Blacklisting & Whitelisting management feature. Blacklists and whitelists are among the common mechanisms for fraud management among e-commerce companies and financial institutions. Customers on the blacklist are generally classified as unsafe. In contrast, the whitelist contains all customers/merchants, which are called safe.

Blacklisting is a fraud management method intended to protect against payment fraud. The goal of a blacklist is to detect fraudulent and high-risk customers to minimize payment loss or chargebacks. In order to protect honest customers, the system compares all the criteria set in the fraud/risk monitoring suite with the data of a Blacklist customer. If the comparison is positive, the transaction is rejected. The blacklist can be administered internally through the Sekuritance Merchant Admin Portal or via the API.

Whitelisting on the other hand, just as the name suggests, is the opposite of blacklisting, where a list of trusted entities are created and exclusively allowed to operate within a set framework of rules. Whitelisting takes more of a trust-centric approach and is considered to be more secure.

Safety is one of the most important aspects of any business. It is important for any respected institution to guarantee the security of their clients, but also guarantee security to their business as well. Blacklists do a great job at ensuring that the ecommerce sites and the financial institutions they are contracting with are upstanding individuals or institutions, but this comes at such a large cost to those attempting to transact legitimately. Unfortunately, so much of the ability to thrive in the business world today lies on the ability to trsansact. Individuals and merchants are punished every day because of rigid guidelines in regards to who poses a threat. Whitelists will give honest merchants the earned advantage of financial services without the security scrutiny.