Kount, an Equifax company vs. Midigator, an Equifax Company

By now, the vast majority of payment gateways have implemented fraud prevention software like Kount. Contracting the solution directly and doing it faster and cheaper than other solutions on the market makes sense if you have several stores and/or sales.

Incentivized

Well suited for addressing disputes before they become official chargebacks (PreventFlow). We've not yet started using the DisputeFlow to work chargebacks that have already come in. We still use our merchant processor's interface for that. I'd to see more incorporation of RDR into the online interface. Right now, we just receive spreadsheets. In the notifications section, I have set up notifications for chargeback and prevention reports but don't see anything for RDR. As the admin of Midigator, I'd like to have greater control over user management, particularly in setting up new users in our organization. There's nothing in the online interface with this.

Incentivized

• Rule creation
• Quick execution
• Robust grading system
• Alerts
• Reports and monitoring

Incentivized

• Business to Client Interaction - Midigator employees respond quickly to client requests
• Empowers their employees to make decisions in the best interest of the client they are serving
• Helps prevent chargebacks/disputes
• Saves their clients time and money
• Ease of use
• Consolidates multiple MIDs under one room for easy management and monitoring
• Prices their products and services competitively

Incentivized

• It's a lot of data to digest (not a bad thing!), so any way they can break it up into more concise/digestible bits, I would personally find beneficial.

Incentivized

• When submitting a dispute, it stays pending for a long time - and we didn't get a notification of it closing out, nor a result of what the outcome was.
• Going to DisputeFlow, it would be nice to have it automatically sorted with the newest chargeback on the top.
• The daily emails in excel could be better formatted and easier to read.

Incentivized

Midigator does what we need and doesn't try to add a bunch of confusing extra functionality we don't need.

Incentivized

No system is perfect, but Midigator is always in pursuit of perfection. I give them high marks for always trying their best to continue adding value.

Incentivized

Kount is cheaper and less complex to integrate than other options. However, that ease comes with reduced accuracy. The other option we have chosen was much more complex to integrate, but also has way more accuracy in determining actual fraudulent transactions. This can be verified by a reduced number of calls to customer care.

Incentivized

We currently have personnel to care for chargebacks. An administrator to keep track of all chargebacks and even retrieve a couple ones that Midigator misses to let us know about. The administrator also helps by notifying the company ahead of time when chargebacks are potentially coming through or about ones that are already chargebacks before Midigator notifies the company.

Incentivized

• Positive Impact - It's allowed us to scale our business and remove extra steps from our team members to review transactions. We utilize Kount's automated transaction [decision making] to keep our order processing moving.

Incentivized

• We've been able to use the data to pinpoint specific issues to correct to lower chargebacks.
• We have seen an incredible difference in our chargeback rate since using Midigator's service. Our rates were often over 1% but now they are almost always below 0.4%. That is a huge difference!

Incentivized