Eventors Trusted Marketplace

Eventors is an event planning marketplace where event service providers (“Vendors”) can communicate and transact directly with paying customers. Event service providers can range from caterers, staff, professionals, entertainers, rental companies, decorators, florists, and other individuals or businesses that provide a service relating to events and gatherings. Service providers can create listings that offer their services, which are featured on the Eventors marketplace to be marketed to event planners and other paying customers (“Organizers”), and be able to use the Eventors platform to facilitate payments.

How does Eventors ensure you’re protected against fraud?

As specified in the Eventors’ Terms of Service, we have layers of security that make sure Vendors are protected against fraudulent behaviour of a User:

Only registered Organizers may communicate and transact with Vendors.

When registering, Organizers agree to provide Eventors with accurate, complete, and updated information required by the registration form, including, without limitation, a legal name, address, telephone number(s), applicable payment data (e.g., credit card number and expiration date) and such other information that may be required by such forms.

As a Vendor, you set your own rules and Organizers must abide by those rules.

Bookings are a legally binding agreement between the Organizer and the Vendor and are subject to any additional terms and conditions that the Vendor has outlined in their listing description or via messaging, any supplemental Booking Agreements, and other terms set forth by the Vendor, which will be provided to the Organizer prior to confirmation of a Booking.

Organizers must abide by the Service terms set by the Vendor, and they may not use, handle, and contract the Service other than what was specified by the Vendor.

When Organizers book a service, they are provided a license to use, handle, and contract the Service only as described in the Booking and confirmed by the Vendor. A Booking does not provide the Organizer a permission to use of the Service beyond the specified time and Description.

Organizers are completely liable and are subject to any fees they may incur.

Organizers are responsible for and accept all liability for any damage done to the Vendor, their staff, and equipment during the Event by attendees or their own service providers whether intentional or not, for the failure to comply with applicable Laws, and for any fines they incur. Organizers agree to return the product/service equipment to the Vendor in substantially the condition as provided to them or as otherwise agreed in any Booking Agreement and consistent with the Community Guidelines, and to promptly notify Vendor of any damage done to their product or equipment or Service.

Eventors is entitled to collect any fees incurred by the Organizer.

If Eventors, in its sole discretion, determines that a Vendor is entitled to additional fees, charges, or damages in accordance with the Eventors Services Agreement, the applicable policy set by Eventors, and/or the terms of the Booking Agreement between the Organizer and Vendor mentioned in the Listing, Eventors will be entitled to collect any such sums from the Organizer required to satisfy the outstanding obligation. Eventors reserves the right to otherwise collect payment from the Organizer and pursue any remedies available to Eventors in this regard in situations in which the Organizer is responsible for fees, charges, or damages, including, but not limited to, in relation to any payment requests made by Vendors.

Stripe is the Eventors’ payment processor.

Acceptance and payment of funds between users or Eventors on the Platform (“Payment Processing”) is provided by Stripe. The use of Payment Processing is subject to the Stripe Connected Account Agreement that includes the Stripe Services Agreement (collectively, the “Stripe Agreement”).

How does Stripe help Eventors combat fraud?

Stripe provides cloud-based e-commerce services, including services that enable online businesses to receive payment from their customers. The services include advanced machine learning algorithms to help Eventors identify and prevent fraud. With Stripe, Eventors has access to Stripe’s unified dashboard tools, fraud analytics capabilities, and dispute handling. In addition to these capabilities, Eventors is enrolled in Stripe Radar, which provides the benefit of enhanced fraud detection and prevention functionality.

With Stripe Radar, Eventors has fully integrated fraud fighting tools into our payments flow.

Radar helps detect and block fraud for any type of business using machine learning that trains on data across millions of global companies. This machine learning system is flexible and responsive, it continuously learns from new customer purchase patterns and transaction features. We’ve used Stripe Radar to dynamically prompt our customers for authentication with 3D Secure, giving us a liability shift against fraudulent payments that have been verified by the card issuer. The system also uses data across Stripe’s network of millions of businesses to evaluate the level of risk for each payment that the Eventors platform processes. That means, when Eventors sees a card for the first time, there's an 89% chance that Stripe has seen the card elsewhere on the Stripe network in the past.

Risk Evaluation.

With Stripe Radar, each payment includes a risk score that ranges from 0–99 to indicate the risk level on a more granular level, or in other words they evaluate the likelihood that a payment is fraudulent.

High risk payments

Stripe reports payments as high risk when they believe the Organizer is likely to be fraudulent. Payments of this risk level are blocked by default.

Elevated risk payments

Elevated risk payments have an increased chance of being fraudulent. Payments of this risk level are allowed by default. With Stripe Radar, elevated risk payments are automatically placed into our review queue for us to take a closer look.

Normal risk payments

Payments with a normal risk evaluation have fewer characteristics that are strongly indicative of fraud than payments with elevated or high risk levels. However, Eventors continue to be vigilant when fulfilling these orders.

Best Practices for Reviewing Payments

Stripe’s systems work to prevent fraud automatically, with action taken on payments in real-time. While this can save significant human time and effort, Eventors takes the extra measure to apply human judgment in addition to what Stripe’s automated systems can provide.

For instance, Eventors reviews transactions that:

Have been evaluated by Stripe’s fraud prevention system as having an elevated risk of fraud
Have been made from outside the country
Are greater than a certain amount
Make use of an email address from an unusual domain

The review queue of Stripe Radar streamlines the process for giving unusual payments a second look by sending Eventors a targeted list of payments to review that meet our specified criteria, and review them right from our Dashboard.

Review Queue

The review queue is a prioritized list of completed payments that might need further investigation. There are two key ways to review payments: the list view allows Eventors to perform reviews with at-a-glance information, while the detailed view provides much more context about a payment. The detailed view is further customized with our own data.

List View

The list view contains information to help you quickly get a sense for each payment’s possible risk of fraud. The Eventors team can see:

The risk level Stripe has assigned after evaluating the payment
Customer name
Card information
Amount, date and time of the payment
Device
The device IP address

Detailed View

The detailed view gives Eventors information about the operating system and device type used to make the purchase, the number of pages viewed before the purchase was made, and the purchase session duration—fraudulent purchases often have suspiciously quick session lengths compared to a legitimate session.

To help us quickly identify discrepancies, Stripe also displays the distance between the location of the IP address used to make the purchase and the address associated with the credit card.

Eventors can also view the network of related payments: any other payments made to your business that use the same email address, IP address, or card number as the payment currently being reviewed. This helps us identify common fraud patterns, such as card testing (many different cards sharing a single IP address) or trial abuse (many “customers” share the same card).

3D Secure.

For extra fraud protection, 3D Secure requires customers to complete an additional verification step with the card issuer when paying. Typically, you direct the customer to an authentication page on their bank’s website, and they enter a password associated with the card or a code sent to their phone. This process is familiar to customers through the card networks’ brand names, such as Visa Secure and Mastercard Identity Check.

Stripe triggers 3D Secure automatically if required by a regulatory mandate such as Strong Customer Authentication (applicable to European customers), but Eventors can also use Radar rules or our API to control when customers are prompted to complete 3D Secure authentication, making a determination for each user based on the desired parameters.

Payments that have been successfully authenticated using 3D Secure are covered by a liability shift. Should a 3D Secure payment be disputed as fraudulent by the cardholder, the liability shifts from you to the card issuer.

Last updated: September 11, 2024