• +233 (0)36 219 5325
  • info@payspine.co
  • Airport, Res. Ridge Accra

What We Do

We work with numerous networks around the world to provide our clients reliable online solutions. We specialize mostly in online advsertising and promotions, Risk management and FINTECH integrated solutions for online marketing.

Online Marketing consulting and strategies

We did not let our core knowledge down as Payspine Team was build from Online marketer professionnals. We therefore continue to provide Online marketing and advertising services to our customers

Risk Management systems and consultancy
We use and provide consultancy and solution for payment risk management systems such as:

• Cardholder Authentication – Accepts the transmission of data for merchants enrolled in Verified by Visa or MasterCard SecureCode.

• Geo IP Address Verification – Flags transactions originating from uncommon or suspicious computer configurations.
• BIN Lookup – Validates the card issuing bank by checking the BIN (Bank Identification Number) on the credit card –the first six digits of the credit card number
• Velocity Checking – Screens for multiple payments that originate from the same IP address by checking for repeated transaction attempts from the same computer or network

• Address Verification System (AVS) – Used to verify the identity of the person claiming to own the credit card.The system will check the billing address of the credit card provided by the user with the address on file at the issuer of the credit card.

• Positive and Negative Databases – Checks against “negative databases” to validate whether card numbers match those that have produced fraud or chargebacks in the past. Checks against “positive databases” to recognize trusted customers that have made previous purchases.

 CVV and CVV2 Match – Used to verify that the person making the transaction is in possession of the credit card by validating the three or four-digit codes on the front or back of the card.