# Value-added services

The extras, itemized and optional.

Fraud tools, account updates and cost modelling add value when you can see what each one costs and turn it off. Each service is a line item.

## Capabilities

- **Cost modelling**: Preview a routing or payout change before you make it.
- **Fraud signals**: Bring your own fraud tools or use partners, scored per payment.
- **Card account updates**: Keep stored cards current.
- **Dispute handling**: Evidence and deadlines in the exception queue.
- **Onboarding review**: Review a business, its owners and its agents in one place.
- **Authentication**: Run 3-D Secure only when your rules or the issuer need it.
- **Payee tax forms**: Collect payee tax details and produce year-end forms for payouts.
- **Cross-border FX**: Show the rate and the spread as their own lines.

## Protocols and standards

Supports: EMV 3-D Secure, Network tokens, Card account updater services

## In a scenario

- [A retailer taking control of card costs](/use-cases/retailer-routing/): Illustrative scenario.
- [A software platform billing people and agents](/use-cases/software-platform-billing/): Illustrative scenario.

Related: [Pricing](/pricing/)