Community Rules — fraud filters built by the people who get attacked first.
Card spinners and BIN attackers run the same playbook against thousands of merchants. WatchDog Community Rules captures those patterns once — across the entire Fluid Pay® merchant base — and pushes the filters down to every merchant who turns it on.
The point of this product is deterrence at the gateway: stop card-spinning, BIN-testing, and runaway-billing patterns before they hit auth, and before they hit a merchant's processing fees.
Runaway billing is the silent damage
Runaway billing happens when fraud rules trigger over and over against the same attacker — incurring per-transaction fees while the attacker keeps probing. In the worst cases, this has cost merchants tens of thousands of dollars before anyone realised the rule was firing constantly. Community Rules cut that off at the source.
Modern ecommerce platforms make it easy for fraudsters to find unprotected carts and spin thousands of cards in minutes. Community Rules makes that pattern unworkable at the network level — your merchants don't have to be the first ones to spot it.
For ecommerce merchants who can't afford a fraud team
Same logic that catches BIN-attack and carding patterns at large processors — packaged so a small merchant can use it. Available as a low monthly add-on; talk to your sales rep for current pricing.
Pairs with WatchDog ML
Community Rules covers the known patterns. WatchDog ML covers the new ones. Run both — most partners do.
Benefits
- Prevent runaway-billing fees when an attack is in progress
- Machine learning that adapts as new attack data lands across the merchant base
- Lock down ecommerce shopping carts against card-spinning
- Layer on top of CAPTCHA — not as a replacement, as a second line
- Stop card-spinning at the gateway
