Sold by: WeTech
AI-powered payment risk control designed for cross-border businesses. Combines large and small language models to deliver credit card fraud prevention, device risk detection, and automated dispute resolution. Supports Visa TC40 fraud notifications and Ethoca chargeback responses to reduce fraud losses and operational costs.
Overview
WeTech AI Payment Risk Control is purpose built for cross border e commerce, covering the full lifecycle of fraud prevention, risk detection, and dispute resolution. Powered by artificial intelligence, the platform integrates real time computing, decision engines, knowledge graphs, and endpoint situational awareness to provide comprehensive protection from pre transaction to post transaction.
Core Technology: The solution leverages a hybrid approach combining large language models with traditional machine learning models, enabling automated risk decisioning through an AI driven engine. It is backed by one of the world's most extensive risk intelligence databases, including billions of device fingerprint records, a global credit card database, IP blacklists, malicious URL repositories, and risk email libraries. Multidimensional risk analysis is further enhanced by deep behavioral insights across languages, products, and purchase patterns.
Key Services: Credit Card Fraud Prevention: Real time computing and decision engines accurately identify transaction anomalies to prevent unauthorized usage and fraudulent activity. Device Risk Detection: Advanced device fingerprinting and endpoint intelligence detect emulators, device forgery, and other high risk access patterns. Dispute Resolution: Integrated with Visa and Ethoca, the platform supports TC40 fraud notification processing and automated chargeback responses, helping merchants reduce chargeback ratios and minimize financial losses.
Highlights
- Real time AI fraud detection with sub second latency. Instantly block fraudulent transactions without disrupting legitimate checkouts, ensuring a seamless payment experience for cross border merchants and their customers.
- Reduce chargebacks and fraud losses by up to 90%. Our hybrid AI engine (large and small language models) learns from global transaction patterns to detect account takeover, synthetic identity fraud, and organized fraud rings.
- Plug and play REST API integration. Get started in minutes with no infrastructure changes. Compatible with major payment gateways and fully PCI DSS compliant for secure, enterprise grade deployment.
Details
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Deployed on AWS
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Pricing
Pricing is based on actual usage, with charges varying according to how much you consume. Subscriptions have no end date and may be canceled any time.
Additional AWS infrastructure costs may apply. Use the AWS Pricing Calculator to estimate your infrastructure costs.
Dimension | Description | Cost/unit |
|---|---|---|
API Request | Per API call to the AI payment risk control endpoint | $0.05 |
Vendor refund policy
Refunds are issued on a case-by-case basis for service unavailability or technical errors caused by our platform. Requests must be submitted within 30 days of the billing date. Usage-based fees are non-refundable for non-technical reasons. Contact: business@wetech.vip | +86 13715293975
Legal
Vendor terms and conditions
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Delivery details
API-Based Agents & Tools
API-Based Agents and Tools integrate through standard web protocols. Your applications can make API calls to access agent capabilities and receive responses.
Additional details
Usage instructions
API
AI Payment Risk Control API Guide
Authentication
All API requests require authentication using the TC3-HMAC-SHA256 signature method. Include the following headers:
| Header | Description |
|---|---|
| X-TC-Action | API action name. Use DescribeEcommerceStrategy for production, DescribePreEcommerceStrategy for testing. |
| X-TC-Version | API version. Fixed value: 2024-06-21 |
| X-TC-Region | Region. Options: na-siliconvalley (US West) or ap-singapore (Singapore) |
| X-TC-Timestamp | Current UNIX timestamp (seconds). Must be within 5 minutes of server time. |
| Authorization | Signature in TC3-HMAC-SHA256 format. See signing instructions below. |
After purchase, you will receive your SecretId and SecretKey to generate the signature. For detailed signing steps, refer to our full documentation.
Encryption Mode
All business data must be encrypted using AES-256 before transmission:
- Base64-encode your ClientID to obtain the AES key.
- Use AES/ECB/PKCS7Padding to encrypt the JSON payload.
- Base64-encode the encrypted result.
The encrypted payload is placed in BizCryptoData.CryptoContent.
API Endpoint
| Environment | Endpoint |
|---|---|
| Production (US West) | <https://rce.na-siliconvalley.wetech-rc.com> |
| Production (Singapore) | <https://rce.ap-singapore.wetech-rc.com> |
Request Method: POST
Content-Type: application/json
Fraud Detection API
Request Example (Encrypted)
Resources
Vendor resources
Support
Vendor support
We provide professional technical support and integration assistance to help you get started quickly and resolve any issues during implementation. Email: business@wetech.vip Phone: +86 13715293975 Office Locations: Shenzhen Bantian / Shenzhen Nanshan / Hong Kong Support hours: 9:00 AM to 6:00 PM (Beijing Time), Monday to Friday. Support available in Chinese and English.
AWS infrastructure support
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