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This website, VPay.by, offers a Home Api Payment tool for businesses to analyze and assess the risk of credit card transactions. Developed through years of experience and analysis of millions of transactions, this tool allows businesses to verify incoming transactions directly without relying on the security methods of payment gateways or banks. The website aims to help businesses protect their revenue, reputation, and avoid penalties from payment services by minimizing fraudulent payments. With the rise of external fraud and the increasing volume and sophistication of cybercrime, particularly during the pandemic, it is crucial for online sellers to take control of their payment processing and independently check incoming transactions. Failure to do so may result in multiple chargebacks, penalties from Visa and Mastercard, loss of customer trust, strengthening supervisory requirements, financial losses, negative company image, limited access to services provision, and blocking by payment services.