The negative database tracks payment cards flagged for suspicious or fraudulent activity and enables cross-platform monitoring. When a flagged card is used on another platform, the database alerts aggregators and prevents any further misuse.
By identifying patterns like repeated chargebacks or unverified transactions linked to the same card, the system reduces fraud risks. This centralised detection mechanism assures that fraudsters cannot exploit multiple platforms with the same payment credentials. Above all, it will improve security across the ecosystem.
