The holiday season brings a significant increase in electronic commerce in Colombia, a behavior that according to Weekly magazineis repeated every year the arrival of gifts, family gatherings and the additional payments that millions of people receive.
Companies face the challenge of managing high transaction volumesAt the same time, they must ensure the protection of users from fraud attempts, which are also increasing during this time.
According to the Colombian Chamber of Electronic Commerce The last month of the year saw an increase of about 21% in digital billing. A figure that can be explained by the intensive use of platforms, the increase in promotions and greater liquidity in the houses.
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This growth requires technological infrastructures capable of handling thousands of simultaneous operations without compromising stability or security.
Companies in the sector have focused their attention on strengthening mechanisms that make it possible to detect irregularities in real time and reduce the risks associated with chargebacks, counterfeit attempts or unauthorized movements. The aim is for customers to be able to complete their purchases barrier-free and with protection guarantees.
Juan David Rúa, CEO of ePayco, explained that security plays a crucial role in the digital experience: “Companies that implement robust anti-fraud systems, active chargeback management and multi-layered security manage to increase consumer trust and improve conversion of digital sales, especially in times of high demand. Therefore, our aggregator model has advanced authentication and monitoring mechanisms that guarantee the integrity of each operation.”
These systems allow you to check suspicious behavior, block irregular payment attempts, and set strong authentication parameters for specific transactions. The combination of automated analysis and human verification has become a widespread practice in digital companies.
In December, chargebacks tend to increase due to increased trading movement and the coexistence of different payment methods. Specialized technical support makes it easier to verify claimswhich allows companies to maintain operational stability even during high billing peaks.
Dedicated fraud prevention teams continually monitor transaction flow to identify unusual patterns. This includes tracking IP addresses, validating cards and monitoring transactions over specific amounts. The aim is to reduce the economic impact and maintain consumer confidenceespecially on days with high traffic.
Rúa also pointed out that the aggregator model is compatible with other technological solutions such as payment gateways, allowing hybrid operations with the aim of maximizing efficiency in each process. In this regard, he noted: “Together, these tools help consolidate a more robust and reliable payments environment.”
The diversity of platforms poses an additional challenge, as each company must adapt its own protocols according to the type of products, the characteristics of its target audience and transaction history. Recommended practices include implementing strong authentication, updating security certificates, and regularly auditing data encryption systems.
Companies are also dedicating resources to improving technical support infrastructure to avoid interruptions at crucial moments. If there is a sudden increase in traffic, immediate action must be taken to avoid delays or cancellations that could impact holiday shopping. Companies that prepare their platforms in advance achieve a more stable experience on peak usage days.
Additionally, companies try to educate users about safe shopping practices. This work includes warnings about unknown links, password management recommendations, and reminders to check whether sites have security protocols in place. Joint prevention between buyers and companies reduces the susceptibility to attempted fraud.
At the end of the year, e-commerce is once again positioning itself as one of the preferred alternatives for buying gifts. For this reason, Companies value process simplification, increased security and constant monitoringto ensure users can complete their payments without any setbacks.
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