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data-sharing insights
Fighting back against first-party fraud
The First-Party Trust program addresses first-party or friendly-fraud by bridging the gap between parties to enable better data sharing. Merchants and issuers will now be equipped with the tools and technology to prove genuine purchases and prevent flawed disputes.
By using enhanced data to confirm the identity of the cardholder, First-Party Trust Program enables issuers and merchants to share information to help reduce cardholder confusion and more effectively spot instances of first-party fraud. By making additional data elements available during both the pre-authorization and -pre dispute stage, merchants and issuers can be more confident in addressing cases of first-party fraud, which can ultimately lead to better approval rates.
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Why fight first-party fraud?
FIGHT FIRST-PARTY FRAUD
Data driven confidence in identifying “friendly fraud”
Discover how we are enhancing transparency in the dispute process by seamlessly verifying genuine transactions while guarding against first-party fraud.
Frequently asked questions
What is first-party fraud?
First-party fraud occurs when a cardholder makes a legitimate purchase, receives the goods or services, and then claims it was fraud. This could be done out of confusion – they simply do not recognize the charge – or to defraud the merchant, taking advantage of the chargeback process to get a good or a service for free.
What is Mastercard's First-Party Trust program?
Mastercard’s First-Party Trust program seeks to eliminate first-party fraud from the payment ecosystem, creating a more equitable and balanced system for everyone. By making additional data elements available during both the pre-authorization and dispute stage, merchants and issuers can be more confident in spotting cases of first-party fraud, which can lead to better approval rates.
Why is Mastercard launching this program?
First-party fraud accounts for 75% of fraud experienced by online businesses – and it continues to grow. Because issuers lack the insight to confidently evaluate first-party fraud claims, merchants shoulder much of the financial burden, experiencing losses revenue, inventory and time processing chargebacks.
When will the program be available?
The Mastercard First-Party Trust program comes into effect in October 2024 in the United States.
How will the program work?
Merchants will have the option to share enhanced data and insights at the time of the transaction or at the time of the dispute. To qualify for liability protection under the program, merchants must send one data point from each of the following categories:
- Device identity: IP address, device ID, fingerprint
- Proof of delivery: Shipping address, email
- Additional identity factors: Account ID login, phone number, device location, device name, billing address. This factor must be different than the previous data points already provided
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