The Velocity Payment System has been designed to take the guesswork out of payment processing. The system automatically ensures that payments are routed through the most cost-effective processing network, based upon a client's specific needs. The system also makes it easy for clients to setup and manage their risk management policies across all payment channels. Velocity continually monitors credit card Chargebacks and ACH Returns for each merchant, automatically blocking customers from utilizing suspect payment accounts for future payments. These features, combined with Velocity's full suite of online reports, make it easy for clients to manage their risk management strategies in real time, reducing the likelihood of fraud.