Chargebacks are more than a paperwork problem. Each one represents lost revenue, lost time, and an extra layer of work for a team that is already busy running the business. As digital payments continue to grow, so does the need for protection that works quietly in the background instead of adding friction to checkout.

That is the idea behind two safeguards built directly into 360 Payments: the Velox Fraud Blocker and AVS Mismatch Protection. Rather than treating security as a separate add on, 360 Payments builds protection into the payment experience itself, so businesses get the benefit without any extra effort.

The Growing Cost of Payment Fraud

The numbers behind payment fraud help explain why this kind of protection matters. According to the Federal Trade Commission, consumers reported losing more than 12.5 billion dollars to fraud in 2024, a 25 percent jump from the year before. Credit cards were tied to more reported fraud instances than any other payment method that year, with over 108,000 cases logged.

Fraud tied to payment apps and mobile services is climbing even faster. The FTC reported nearly 40 percent growth in fraud cases involving payment apps and services in 2024, a rise that pushed this category past debit cards to become the second most common payment method tied to reported fraud. As more everyday transactions move to phones, from Text to Pay links to mobile wallets, this trend is only expected to continue.

Card-not-present transactions, the category that includes online, phone, and mobile payments, are also where fraud losses concentrate most heavily. Industry estimates from eMarketer put card-not-present fraud at roughly 73 percent of all card payment fraud losses, with global card fraud losses projected to climb toward 43 billion dollars by 2026.

These trends point to the same conclusion: fraud is increasingly happening in the moments when a card is never physically shown, which is exactly where Payment Links and Text to Pay operate. Built in protection at that stage is no longer optional. It is a basic expectation.

Velox Fraud Blocker: Stopping Fraud Before It Starts

Every Payment Link sent through Text to Pay is backed by the Velox Fraud Blocker, a safeguard built into 360 Payments from the ground up. If a payment page receives three failed payment attempts in a row, whether from an invalid card number, a declined card, or another payment error, the link automatically expires and becomes inaccessible.

This simple safeguard closes a common door for fraudulent activity and phishing attempts, cutting off repeated attempts before they can turn into a real problem. Because it is built into 360 Payments at the platform level, it is already active on every account, with no setup required and no change to how customers experience checkout. The payment experience stays just as fast and convenient as always. The protection simply works behind the scenes, as part of the 360 Payments infrastructure businesses already rely on.

AVS Mismatch Protection: An Extra Layer of Verification

For businesses that want additional security, 360 Payments also offers AVS Mismatch Protection as an added layer of defense. Every Payment Link already requires a billing address at checkout. With AVS Mismatch Protection enabled, any transaction where the submitted billing address does not match the address on file with the card brand is automatically declined.

This extra check helps reduce the risk of unauthorized card use, giving businesses more confidence in the transactions coming through their account. Because it runs through the same 360 Payments platform, enabling it does not require new tools or a separate system to manage. AVS Mismatch Protection is available upon request for eligible accounts, and businesses can reach out to their 360 Payments customer service team to confirm eligibility and get it set up.

Confidence in Every Transaction

Together, the Velox Fraud Blocker and AVS Mismatch Protection reflect what 360 Payments is built to do: keep payments easy for customers and secure for the businesses accepting them. Neither safeguard adds steps to checkout, and neither requires extra tools or systems to manage, because both live inside the same connected 360 Payments platform businesses already use every day. The result is fewer chargebacks, less lost revenue, and more confidence in every transaction, all without slowing anything down.

As fraud tactics continue to evolve, these updates reflect an ongoing commitment from 360 Payments to keep payments secure, straightforward, and built for the way modern businesses operate.