Carpe Omnia supports the latest innovation in credit card security (via our payment provider Paygate). 3D Secure transactions from Visa and Mastercard will request a One-time-pin (OTP).
This means that even if someone obtains or clone your card, you'll always be in control. Without your One-time-pin, the attacker would not be able to complete the transaction.
Not all sites are created the same. While our payment provider Paygate use their own global fraud prevention systems, they cannot account for fraud on a per site basis. Our in-house developed system can be fine tuned for each site.
For example, for an e-commerce store, 2 transactions a month might be normal, while on a monthly subscription site, 1 transaction would be considered normal. At Carpe Omnia we filter transactions based on these conditions before sending the transaction to Paygate.