Can your business spot the good from the bad?

Detect and prevent 'Card Not Present' fraud to protect customers and reduce losses, while maintaining a seamless customer journey

According to UK Finance’s latest research, criminals stole a total of £609.8 million through authorised and unauthorised fraud and scams, a decrease of just under 13% compared to H1 2021.

Fraudsters have become increasingly adept at adapting their methods to suit changes in our lifestyles and in consumer behaviour to their advantage. In particular, criminals have continued to focus activity mainly on socially engineering their victims, with the intention of tricking them into authorising a payment to an account within their control (APP fraud).

Remote purchase (CNP) accounts for a large proportion of card fraud with over 1.1 million instances totalling £199.4 million. It’s essential that Banks, Payment Processors, and Retailers continue to have a robust card fraud defence solution in place as part of their fraud defences.

So, what steps can financial institutions take to reduce card fraud without introducing too much friction into their payment processes?

Find out and book your free demo today.

Source: UK Finance, Half Year Fraud Report 2022

Balancing strong customer authentication and a seamless customer experience

LexisNexis® Risk Solutions is actively supporting financial services companies, across the payment journey, to enhance their CNP risk decisions through a range of low-friction, fully integrated authentication strategies that are compliant with strong customer authentication workflows.

By improving card authentication risk analysis we can help to reduce the likelihood of CNP fraud impacting your organisation, which in turn can reduce your Transaction Risk Assessment (TRA) rates – thereby reducing customer friction, through a combination of factors.

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Assure your customers' identities at onboarding

Strong Device Binding

Device binding allows users to transact with online services without being subjected to repetitive authentication processes on each return. Reliable and consistent verification of a trusted transacting device is achieved by registering the device and binding it with a user credential.

Assure your customers' identities at onboarding

Email Address Intelligence

Understanding the age of an email address and domain, associations between a name and an email address, and any suspicious activities linked to either, is key in assuring digital identity and transactions, and reducing fraud risk. Our email risk assessment tools draw from a contributory global database of more than five billion addresses helping verify both trusted email addresses and those linked to previous instances of fraud.

Assure your customers' identities at onboarding

Behavioural Biometrics

Behavioural biometrics is the study of an online user’s interactions with their desktop, mobile or laptop device, via their keyboard, mouse and/or touchscreen. When layered with digital identity intelligence, behavioural biometrics can create a new shade in the spectrum of identity; helping businesses to assess trust and risk and differentiate fraudster from legitimate customer, and human from bot.

Assure your customers' identities at onboarding

Online Document Authentication

Enhance customer experience and accelerate onboarding by replacing paper-based ID processes and putting identity assurance into your customers’ hands. Our solutions use up to 50 different text and image-based tests to determine authenticity of the document, including checking the ID against over 4,000 ID types from nearly 200 countries.

Assure your customers' identities at onboarding

One-Time Passwords

Carry out reliable identity assurance on new and returning customers with an automatically generated, time-sensitive passcode, made up of random numeric characters and sent via a phone number, SMS or email address already bound to the subject. This offers increased assurance with less friction during an identity proofing process.

Assure your customers' identities at onboarding

Knowledge-Based Authentication

Built with intelligent algorithms and accessing billions of consumer records, Knowledge-Based Authentication (KBA) dynamically develops personal questions with multiple answers to authenticate a user’s identity. Dynamic KBA generates questions in near real time from public records and multiple credit bureau data, without requiring prior contact with customers.

The benefits:

  • Reduced losses to CNP or remote purchase fraud
  • Improved dynamic card authentication risk assessment
  • Increased levels of 3DS2.0 exemption and delegated authentication capability
  • Reduced false positives - in relation to flagged payments
  • Improved customer experience for Merchants

Improve your CNP risk decisions further with real time decision analytics uniting market leading behavioural analytics with clear-box machine learning for modelling current and future customer behaviours, with integrated case management for exception handling and high-risk reviews.

Award Winning CNP Fraud Solution

LexisNexis® Risk Solutions was delighted to win for the third year running the 2022 award for Best Identity Verification / Authentication Solution, in addition to winning the Best Antifraud – Mobile Solution 2022 award at the CNP awards. The breadth of the physical and digital intelligence available in our platform was pivotal in helping LexisNexis® Risk Solutions to win this prestigious award as we continue to strive to help businesses confidently differentiate between a trusted customer and fraudster in real-time.

Solutions Guide:

CNP Fraud Prevention

Being able to confidently differentiate between genuine and fraudulent transactions in a Card Not Present (CNP) transaction can be a challenging task. The following guide offers an in-depth explanation of how harnessing the correct intelligence and analytics enables the creation of a remote purchase transaction authentication capability that can transform your ability to reduce fraud and minimise cart abandonment/payment friction.

Our solutions are relied upon and trusted...

Case Study:

LexisNexis® ThreatMetrix® helps Dai Nippon Printing (DNP) secure card-not-present (CNP) payments, reducing fraud losses in the 3-D Secure (3DS) transaction authentication workflow:

“The ThreatMetrix solution helps us to accept more transactions and reduce cart abandonment because we are able to separate trusted behaviour from unusual behaviour, using our fraud resources to step-up genuinely high-risk payments.”

White Paper:

Using LexisNexis® Risk Solutions to enhance risk decisions in the 3-D Secure customer journey

Digital commerce is one of the key driving forces behind the growth of global economies, providing access to goods and services to online consumers wherever and whenever they choose. While this facilitates inclusion on a global scale, it also presents challenges for merchants, issuers and acquirers, to verify identities and authenticate transactions without introducing friction into a competitive online marketplace.

See how we can help your organisation to prevent CNP fraud while providing a seamless customer experience

Book a free, no-obligation consultion to find out more.

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Who is LexisNexis® Risk Solutions?

LexisNexis® Risk Solutions harnesses the power of data and advanced analytics to provide insights that help businesses and governmental entities reduce risk and improve decisions to benefit people around the globe. We have offices throughout the world and are part of RELX (LSE: REL/NYSE: RELX), a global provider of information-based analytics and decision tools for professional and business customers. For more information, please visit and

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