How TOOLBX Protects You from Fraud

Overview

In the modern e-commerce landscape, fraud isn’t just a risk — it’s a certainty. The challenge is not only in preventing bad actors but doing so in a way that doesn’t hurt good customers. At TOOLBX, we’ve built a robust, adaptive risk management system that protects our dealers while maintaining a frictionless buying experience for trusted users.

Our system is powered by advanced machine learning and reinforced by tools like 3D Secure, invisible bot detection, card and bank-level checks, and customizable blocklists. This ensures you're protected across all payment methods.

Key Layers of Protection

🧠 Machine Learning Risk Engine

Our fraud prevention starts with a best-in-class machine learning model, trained on billions of transactions across the Adyen global payments platform. This system evaluates each payment attempt using hundreds of risk signals — including device fingerprinting, shopper behavior, transaction history, network data, and more.

Because this model is trained on data across all industries and geographies, it is constantly learning and improving in real-time. It adapts quickly to new fraud patterns, such as emerging scams or attack vectors, and applies those learnings instantly across the platform — including TOOLBX transactions.

At TOOLBX, we apply strict thresholds where anything deemed High and very high-risk transactions are automatically blocked before they reach your system.
🛡️ 3D Secure & Liability Shift

TOOLBX applies 3D Secure (3DS) to high-value card transactions as an additional layer of protection. 3DS not only adds a layer of shopper verification, it also ensures that chargeback liability shifts away from our dealers to the card issuers when the authentication passes in the case of stolen credit cards.

To learn more about 3DS and how TOOLBX applies 3DS, see our aticle 3D Secure (3DS).

🤖 Bot Attack Prevention

To stop fraudulent traffic before it even reaches checkout, TOOLBX uses invisible CAPTCHA and behavioral fingerprinting to block bot attacks. These protections identify suspicious behavior (e.g., rapid clicks, headless browsers, or known bot signatures) and reject the request before payment is attempted.

💳 Card & Shopper Validations

We validate cardholder details through multiple signals, including:

AVS (Address Verification System): Compares billing address against card issuer data
CVC/CVV Checks: Ensures the shopper has physical access to the card
DistinctCardsCheck: Detects patterns where a single shopper may be using many cards in rapid succession, often a sign of testing stolen credentials
Geo-IP Matching: Compares the user’s IP address and device geolocation against the card’s issuing country.

These tools help identify inconsistencies that typically appear in fraudulent transactions.

🏦 ACH Fraud Controls

For ACH and bank transfers, TOOLBX applies dedicated rules around transaction velocity and account behavior. If multiple pull attempts are made in a short period, or if a new account behaves erratically, our system blocks the transaction to reduce the risk of unauthorized account use.

✅ Block and Trust Lists

We give dealers the power to define their own rules too. With blocklists and trustlists, you can manually approve or deny customers based on:

Email address
Phone number
Shopper Address
IP address
Bank account or card number

These lists are especially helpful for recurring fraud attempts or loyal repeat buyers.

🔍 Manual Review via Fraud Checkout

TOOLBX offers a Fraud Checkout feature that allows you to manually review certain transactions before fulfillment — giving you greater control over potentially risky orders.

Orders may be flagged for review based on a combination of the following factors:

Whether 3D Secure (3DS) was successfully completed
If the shopper is new or unfamiliar to your business
The transaction amount
The overall risk level assigned by our machine learning engine

Transactions that meet your review criteria are paused at checkout, giving your team the chance to approve or reject them before any goods are released.

Fraud Checkout is fully customizable. Each dealer sets their own rules for when to trigger manual review. To set up or adjust your criteria, please contact your TOOLBX Account Manager.

🔁 Continuous Monitoring and Updates

Fraud never stops evolving — and neither do we. TOOLBX regularly audits and updates its risk rules based on new data, dealer feedback, and fraud case learnings. Our system is designed to be both reactive and proactive, reducing your exposure while preserving your approval rate.

Why It Matters

Minimized Chargebacks: Early fraud detection means fewer disputes and less revenue at risk.
Higher Conversion Rates: Legitimate shoppers enjoy fast, smooth checkouts without unnecessary friction.
Dealer Confidence: You stay protected from evolving fraud tactics — with full visibility and control when needed.
Comprehensive Coverage: Our risk system spans card, ACH, and digital wallet payments across all devices.

Final Thoughts

Fraud prevention shouldn’t come at the cost of customer experience. At TOOLBX, we’ve built a modern risk management engine that balances protection with performance. Whether you’re processing a one-time card payment, pulling funds via ACH, or working with repeat buyers — our system is working behind the scenes to keep your business safe.

If you’d like more details on specific rules, controls, or how we can tailor protections for your business, reach out to your TOOLBX rep or support team.