What is TRU Fraud Check?

  The following documentation only applies to transactions processed using TRU Connect with TRU Acquirer as the acquiring bank.

TRU Fraud Check is a market leading counter-fraud solution that uses intelligent monitoring techniques to minimise risk and increase sales. If you use TRU Acquiring for your acquiring services, TRU Fraud Check is already enabled and active on your site references.

 

When does TRU Fraud Check run?

TRU Fraud Check automatically processes checks before any ACCOUNTCHECK, AUTH or THREEDQUERY request, and takes action depending on the outcome.

 

What checks are performed?

Our system will assist you in deciding on whether to process a customer’s transaction based on the perceived level of risk.

  • Transactions are monitored in real-time to automatically expose attempted fraud.
  • Fraud models are updated continuously to keep pace with emerging threats in financial crime.
  • We connect to Information Sharing and Analysis Centres (ISACs) that are central resources for gathering and sharing information on cyber threats to further strengthen your protection.

  TRU Fraud Check does not guarantee against fraud

You should consider all data regarding a transaction before accepting the payment.

 

What happens after the checks are performed?

Standard tier

TRU Fraud Check will analyse transaction details and issue one of the following Shield status code values:

“DENY” Risk is deemed high

We will prevent authorisation from taking place. Instead, the payment will be cancelled with error code 60107 (“Invalid process – Fraud risk”).

The customer will be displayed an “Invalid process” error and have the opportunity to try again using a different payment method.

“ACCEPT” Risk is deemed low

Authorisation for payment will be sought from the issuing bank as with a standard transaction.

Enhanced tier

TRU Fraud Check will analyse transaction details and issue one of the following Shield status code values:

“DENY” Risk is deemed high

We will prevent authorisation from taking place. Instead, the payment will be cancelled with error code 60107 (“Invalid process – Fraud risk”).

The customer will be displayed an “Invalid process” error and have the opportunity to try again using a different payment method.

“ACCEPT” Risk is deemed low

Authorisation for payment will be sought from the issuing bank as with a standard transaction.

“CHALLENGE” Risk is deemed moderate

Authorisation for payment will be sought from the issuing bank as with a standard transaction, but then automatically suspended by Trust Payments for up to 7 days, to allow you to investigate manually.

Note: This is only returned for merchants on the Enhanced tier.

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