The Terms and Conditions described below and in the shared links constitute a legal agreement (“Agreement” or, "Payments", “ChatFood payments powered by checkout.com terms”) between you (if your business is a sole proprietorship) or your business (if you are signing up on behalf of a corporation or other legal entity) (the “Merchant”, “you” or “your”) and ChatLab LLC, organized under the laws of Sharjah, UAE with offices at Sharjah Media City, Sharjah, U.A.E (“ChatFood”, "Chatlab", “we”, “us”, or “our”).
We are diligently working towards screening potential frauds and suspicious activities. The steps taken by us are as follows:
1. An hourly check of the customers who are signing up with us using UK/US and Non-Valid Email Addresses, numbers and scanning each transaction to check whether there are inconsistencies between card number and phone number as well as high-value orders. In the case where there is a suspicious transaction that has been authorized and not captured, a flag email is sent to the merchant with details about the customer including Order UID, name, and email address, along with a suggestion to cancel the order on the dashboard in case they are suspicious of the customer as well. In the case where the transaction has already been captured (and the transaction is suspicious), the email address, reference ID, location of phone number and credit card, number of tries made by the customer, and action taken so far is recorded in an internally maintained in an Excel sheet. These emails are then kept under the radar and subjected to 10-day, 20-day and 30-day checked to scrutinize further activities.
2. In the case where the transaction is too suspicious and already captured by the merchant, our team blacklists the user straight away from both checkout.com and NOVA as well.
3. The list of authorizations that have failed on checkout.com is also checked on an hourly basis to judge whether any customer should be blacklisted. In the case where authorizations failed because of the fact that the card was reported as lost/stolen, the email address is immediately blacklisted. Moreover, in some cases, checkout.com itself does not allow authorizations due to suspected fraud, and these emails are then blacklisted from NOVA.
4. We have also blacklisted around 12 high-risk countries where there was a pattern of repeated frauds in place.
5. Regular alerts come to us on our redash channel, where the alerts are usually triggered due to the high frequency of transactions in a short period of time, those email ID's are checked as well, and either blacklisted or flagged emails are sent to merchants.
However, these steps are just precautionary measures taken by us, and the ultimate screening responsibility of screening lies with the merchant.