Get Informed MerchantSense provides reporting faclities in a number of different ways for its products. Reports can be on a per-transaction basis or on a consolidated daily basis for review. Report contents can include items such as: Fraud score per transaction Bank ID matches Issuing bank IP address matches client location Client is using an anonymous proxy Client is using a free email provider Client has previous declined transactions Client has used other credit cards Client card matches "compromised card list" Client is physically close to issuing bank Client is in a country with high fraud rates Client has tried other transactions during this day Card is drawn on a bank with high fraud rates or compromised bank Too many declined transactions with a particular client and more... This information is consolidated into a fraud profile for each transaction. Based on the package, some or all of this information will be transmitted to the merchant either in an easy-to-read reports, or transmitted back to your server prior to the transaction. "Online businesses who accept credit cards are particularly at risk - they are not covered for fraud, because their transactions are all card-not-present"