[tyingq]

>>you have options to utilize the services of managed risk providers

Helps a little, but they are, of course, still dealing with a tiny fraction of the available data out there, and the cost is pretty high.

For small to medium sized players you're much better off just doing what you can with AVS, CVV2 match codes, known freight-forwarder addresses, ip geolocation, etc. That's all free other than a bit of dev time.

It's just a shame that the kind of improvements that could be made with access to data only the CC companies and issuing banks have aren't ever going to happen.