X-Cart Pay uses AI-powered fraud prevention to keep your transactions secure.

Every purchase is monitored in real time, ensuring customer authentication data stays protected during checkout – so fraudsters can’t access it.

Along with real-time monitoring, X-Cart Pay includes the following protective measures:

With these tools in place, your store stays protected while genuine customers can shop without any risks.

Our fraud tool uses unique data sources to spot potential fraud – even if it’s a first-time customer.

Global Transaction Database – Analyzes billions of transaction records from a global anti-fraud network to identify suspicious patterns.

​Dynamic Device Fingerprint – Creates a digital fingerprint for each transaction by analyzing the device ID. This helps detect bots, proxies, and unusual user behavior.

By combining these insights, our fraud tool adds an extra layer of security without disrupting legitimate purchases.

We work hard to keep your sales flowing while protecting you from fraud. Most declined transactions happen at the cardholder’s bank due to insufficient funds or suspected fraud.

However, our fraud tool may sometimes block a transaction before it even reaches the bank. This extra layer of security helps prevent card testing and other fraud schemes before they happen.

If a transaction is declined, you’ll see the reason in your payments report, so you always know what’s going on.