Fraud & Risk
Guardian: what it blocked, what it let through, and which risk signals it is seeing.
Fraud & Risk is the Guardian screen — Tonder's anti-fraud system. Here you see which payments were blocked or allowed, how 3DS behaves, and which signals (emails, BINs, geography) sit behind suspicious activity — so you can balance fraud prevention with acceptance.
KPIs
Percentage of transactions blocked by Tonder's anti-fraud system (Guardian).
Below 5% is healthy.
Percentage of 3D Secure challenges where the customer abandoned the authentication flow without completing it.
Acceptance rate for international (non-Mexican) cards.
Typically 5–10%.
3D Secure
Percentage of 3DS authentications that completed successfully.
Percentage of transactions where the bank required an additional authentication step (OTP, biometric, etc.).
Percentage of 3DS transactions that passed without requiring customer interaction.
Number of transactions where the customer dropped off during the 3DS challenge.
Charts & sections
Stacked bar chart showing Allowed, Issuer Declines, and Guardian Blocks per day.
Table of card BIN ranges with unusual activity — high decline rates, many unique emails, or rapid-fire attempts.
Includes alert tier and monitoring status.
Table showing transaction count, block rate, acceptance rate, and risk level by country.
Table of email addresses with unusually high transaction attempt rates and high decline rates — potential fraud signals.
Guardian works together with Tonder's processing. When measuring a card's performance, Guardian's and the acquirer's decisions form a single end-to-end outcome, not two separate metrics.
Key definitions
| Term | Meaning |
|---|---|
| Guardian | Tonder's anti-fraud system; evaluates risk signals in real time. |
| 3DS | 3-D Secure: extra issuer authentication that shifts fraud liability. |
| BIN | Bank Identification Number: the leading card digits that identify the issuer. |
How to use it
- Watch the block trend after rule changes or promotions so you don't decline legitimate payments.
- Review suspicious emails and BINs to feed lists and rules.
- Cross-reference geographic risk with your target markets.