Thanks to our partnership with ACI Fraud Management, we're able to provide you with real-time fraud prevention mechanisms. The goal of this solution is to help your business minimize fraud losses, and our team of experts will be actively involved to support you throughout the process.

Features

• Rules: create rules using parameters that you send in a payment request, and the output will be a decision that determines the next transaction step (accept, deny, or flag a transaction for review)
• Lists: create lists using data points available in the transaction to either approve or deny a transaction
• Velocity: set velocity triggers to monitor patterns and frequency of events that seem to be suspicious
• Manual review: when you set your rules to trigger a review, a case gets created that you can access on our internal portal by searching and selecting the transaction

What does it mean for you?

• Pre-authorization monitoring: filter potential risks before the transactions are sent to the bank and increase authorization rates
• Scalable fraud prevention: accommodate the needs of your business and fully embed fraud prevention in the payment flow
• Reporting: have access to detailed data to analyze your fraud strategy

Data fields

When you send a payment request, there are various fields included that need to be filled out. We encourage you to send as many fields as possible, as not all of them are mandatory. Sending more data in your request also helps the machine learning models to get educated in real time by consuming and assessing the data signals for more effective fraud detection.

Custom fields for fraud screening

If there are specific fields you gather during your payment process that aren't covered in our API reference, you can use the 16 fields we included in our request specifically for this purpose. You can use these fields to send any data points you need for your fraud management. The fields are included in the fraudfields object and available as an array of up to 16 userData properties, each with a max length of 256 characters.

Some of the objects down below are conditional, such as: 

• shipping - only applicable if you ship physical goods
• fraudfields - custom fields for data points that are specific to your business (you may find it beneficial to use them for your fraud rules)
• mandate.customer.companyName - only available for PPID 771
• mandate.customer.bankAccountIban.iban - only available for PPID 771 and 770