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Illegal casinos and bookmakers are trying to circumvent the Bank of Russia's restrictions on high-risk payments in various ways. According to F. A. C. C. T., a shadow business can make more than 1 million transactions per year through drop accounts, including using bots.
To circumvent regulatory bans on the gray settlement market, we use H2H transfers (host-to-host), miscoding (replacing payment assignments), e-wallets, redirects, and domain hashing. According to observations, on weekends, the number of operations under the gray schemes increases by 15-20% on weekends, when gambling enthusiasts become more active.
In February of this year, there were two waves of growth in the number of such operations, and their number was three times more than in January. During the same period, the cost of ordering bank cards issued for drops increased by one and a half times (up to 30 thousand rubles) on the shadow market (now they are mainly registered for visitors from CIS countries).
The trouble is that participants in the high-risk payments market are quickly adapting to financial protection measures and restrictions imposed. Such tricks threaten financial organizations with an increase in fraudulent activity in RBS systems, increased attention from regulators, and even license revocation.
"Solutions with the analysis of session and behavioral data of users will help financial organizations to counteract illegal operations," said Tatyana Nikulina, an analyst from the F. A. C. C. T. Fraud Protection team. — If we talk about Host-To-Host transfers, the solution for banks is national anti-fraud tools that can process transactions and evaluate both the sender and recipient of a payment in synchronous mode."
To circumvent regulatory bans on the gray settlement market, we use H2H transfers (host-to-host), miscoding (replacing payment assignments), e-wallets, redirects, and domain hashing. According to observations, on weekends, the number of operations under the gray schemes increases by 15-20% on weekends, when gambling enthusiasts become more active.
In February of this year, there were two waves of growth in the number of such operations, and their number was three times more than in January. During the same period, the cost of ordering bank cards issued for drops increased by one and a half times (up to 30 thousand rubles) on the shadow market (now they are mainly registered for visitors from CIS countries).
The trouble is that participants in the high-risk payments market are quickly adapting to financial protection measures and restrictions imposed. Such tricks threaten financial organizations with an increase in fraudulent activity in RBS systems, increased attention from regulators, and even license revocation.
"Solutions with the analysis of session and behavioral data of users will help financial organizations to counteract illegal operations," said Tatyana Nikulina, an analyst from the F. A. C. C. T. Fraud Protection team. — If we talk about Host-To-Host transfers, the solution for banks is national anti-fraud tools that can process transactions and evaluate both the sender and recipient of a payment in synchronous mode."