Stop fraud
before money moves.
QShield sits in the authorization path of every charge — evaluating your rulebook in milliseconds and recording every verdict. Risk teams get control without adding friction for genuine customers.
A rulebook between fraudsters and your revenue.
Every charge is screened before any gateway is contacted. Velocity counters, amount ceilings, lists and geo signals run in parallel and combine into a single verdict — pass, flag or block — in under twenty milliseconds.
- Screened pre-authorizationBlocked charges never reach the gateway, so no money moves before a verdict is reached.
- No friction for good customersAllowlisted repeat payers skip checks entirely; genuine shoppers never feel the layer.
- Sensible defaults, tunableShips active on every QoinPay account — tighten it to your risk appetite in the dashboard.
Flag, block — and prove why, later.
Each rule ends in an action you control. Flagged charges proceed but land in a review queue; blocked ones are declined instantly, with the reason logged and never exposed to the fraudster.
- Full decision historyEvery rule fired and signal seen is recorded — evidence for chargeback representment.
- A feedback loopJournalled verdicts show where the rulebook helps and where it needs tuning.
Fast enough to stay in the authorization path.
A complete pre-authorization rulebook.
Every signal a risk team needs — velocity, thresholds, lists and geo mismatch — combined into a single verdict before a single cent leaves the payer's account.
Velocity rules
Cap attempts per card, email, IP or device over sliding windows. Five charges from one PAN in ten minutes looks nothing like a real shopper — and QShield knows it.
Amount thresholds
Flag or block charges above configurable ceilings per currency, method or merchant segment. Route the grey zone to manual review instead of losing the sale outright.
Blacklists & allowlists
Deny lists of card fingerprints, emails, IPs and BINs — and allowlists for trusted repeat customers that skip friction entirely. Shared across your whole account.
Geo & mismatch signals
Compare payer IP country against card issuing country and billing details. Impossible-travel and high-risk-corridor patterns raise the score before authorization is attempted.
Flag or block actions
Every rule resolves to a verdict. Flagged charges proceed but land in a review queue; blocked ones never reach the gateway — the reason logged, never exposed.
Full decision history
Each screening records the rules fired, the signals seen and the final verdict — evidence for chargeback representment and a feedback loop for tuning your rulebook.
Inline screening in three steps.
Charge enters the pipeline
Before any gateway is contacted, QShield receives the charge with its card, payer, device and geo context.
Rulebook evaluates
Velocity counters, thresholds, lists and geo checks run in parallel and combine into a single verdict in milliseconds.
Verdict enforced
Passes continue to routing, flags are journalled for review, blocks are declined instantly — with the reason logged, never exposed.
What every screening actually inspects.
A verdict is only as good as the signals behind it. QShield draws on six families of evidence on every single charge — and returns exactly what it saw.
Reasons are journalled for your team and hidden from the payer — a fraudster learns nothing from a decline.
One layer in a defence-in-depth stack.
QShield screens intent; the rest of the suite hardens the charge that follows.
Q3DS
EMV 3-D Secure authentication for issuers and acquirers, engineered for frictionless flows and regulatory compliance across markets.
Explore Q3DS AuthenticationQAuth
ACS, risk-based authentication, passkeys and in-app approval — layered strong customer authentication that keeps good customers moving.
Explore QAuth AcquiringQGate
One integration to accept cards, bank transfers, virtual accounts, USSD, QR, mobile money, UPI, Pix and more — with a hosted checkout that adapts to the payer's country automatically.
Explore QGatePut a rulebook between fraudsters and your revenue.
QShield ships with sensible defaults on every QoinPay account — tune them to your risk appetite in the dashboard.