Fraud Protection

Overview

When your customers make purchases, you can use one or more of the features described below to potentially reduce the risk of fraudulent transactions or chargebacks.

Fraud Scoring

Example: when a customer tries to make a purchase and the transaction is above your specified fraud score, you can take your chosen action on the account.

To obtain a fraud score or fraud score assessment:

1. Call the validate_acct_fraud_scoring_m API.

        OR

2. Specify fraud scoring options in a Direct Post configuration using the Aria application or the set_reg_uss_config_params_m API.
    

Fraud Filtering

Allows you to determine an account holder's fraud risk based on criteria such as credit card numbers, credit card prefixes, and issuing countries that you identified in your payment gateway.

Example: When an account holder tries to make a purchase with a credit card number that is on your list of fraudulent credit cards, you may choose to decline the transaction or take another chosen action.

To perform fraud filtering:

1. Call the validate_acct_fraud_scoring_m API or the APIs listed in the table below.
    

       AND/OR

       OR

3. Specify fraud filtering options in a Direct Post configuration using the Aria application or the set_reg_uss_config_params_m API.
    

3D Secure

The 3D Secure (3DS) authentication feature provides additional fraud prevention when transactions are processed. This feature requires account holders to provide additional information such as a password when they make an online purchase using a credit or debit card. You may choose to require 3DS for only certain transactions. Example: orders over a particular amount that you specify.

To perform 3DS authentication, follow the instructions provided in the authorize_3dsecure_m API documentation.

$0/$1 Authorization

Allows you to place a temporary $0 or $1 charge on a credit card to check its validity before processing a payment.

Sample Use of Fraud Protection Features

The diagram below shows an example of a scenario in which you have set up a Direct Post configuration that involves fraud scoring, fraud filtering, 3DS, and/or a $0 authorization.