Internal fraud checks

When enabled on your account, the fraud check service analyses authorised transactions for attributes that may be considered suspicious, prior to settlement being performed. This allows you to manually inspect and manage suspicious transactions processed on your account. These checks are performed at pre-defined times throughout the day.

Enabling internal fraud checks

To enable fraud checks on your account, please contact our Support Team.

Fraud rating

The fraud check analyses all transactions processed on your account and assigns a numerical fraud rating, which indicates the level of risk based on a number of pre-defined criteria.

• Before the fraud checks have been processed, the fraud rating will be “-1”.
• Following the processing of the fraud checks, a fraud rating of “0” indicates that no suspicious characteristics were detected.
• Every suspicious attribute found by the fraud checks will increment the fraud rating. A higher fraud rating indicates a higher likelihood of fraud.
• All transactions with a fraud rating of “2” or higher are collated into a daily email notification sent to the email address associated with your account.
• By default, we will suspend all transactions with a fraud rating of “5” of higher.

You can configure the thresholds that trigger these actions (e.g. in order to reduce the occurrences of false-positives) by contacting our Support Team.

Reason codes

Trust Payments performs the following checks on authorised transactions in settle status “0” against records for the previous 7 days. If any of the following criteria are met, the fraud rating for the transaction will be incremented and the reason code will be updated accordingly. A higher fraud rating indicates a greater chance of fraud, and as such transactions with high fraud ratings may be suspended in line with your Security Policy.

Viewing fraud rating and reason codes in Portal

You can view the fraud rating and reason codes (if any) for each transaction in Portal.

Transaction search

Using the "Advanced" search settings, select additional fields “Fraud rating” and “Fraud reason” from the "Security Details" tab before performing a transaction search:

This allows you to compare fraud ratings/reasons of multiple transactions that meet your search criteria.

Transaction detail view

The fraud rating and reason(s) are also visible when viewing details of a specific transaction, as shown below.

Updating affected transactions

#!/usr/bin/python
import securetrading

stconfig = securetrading.Config()
stconfig.username = "webservices@example.com"
stconfig.password = "Password1^"
st = securetrading.Api(stconfig)

update = {
"requesttypedescriptions": ["TRANSACTIONUPDATE"],
"filter":{
"sitereference": [{"value":"test_site12345"}],
"transactionreference": [{"value":"1-2-3"}]
},
"updates":{"settlestatus":"1"}
}

strequest = securetrading.Request()
strequest.update(update)
stresponse = st.process(strequest) #stresponse contains the transaction response

<?php

if (!($autoload = realpath(__DIR__ . '/../../../autoload.php')) && !($autoload = realpath(__DIR__ . '/../vendor/autoload.php'))) {
throw new Exception('Composer autoloader file could not be found.');
}
require_once($autoload);

$configData = array(
'username' => 'webservices@example.com',
'password' => 'Password1^',
);

$requestData = array(
'requesttypedescriptions' => array('TRANSACTIONUPDATE'),
'filter' => array(
'sitereference' => array(array('value' => 'test_site12345')),
'transactionreference' => array(array('value' => '1-2-3'))
),
'updates' => array('settlestatus' => '1')
);

$api = \Securetrading\api($configData);
$response = $api->process($requestData);
var_dump($response->toArray());

?>

curl --user webservices@example.com:Password1^ <DOMAIN>/json/ -H "Content-type: application/json" -H "Accept: application/json" -X POST -d '{
"alias": "webservices@example.com",
"version": "1.00",
"request": [{
"requesttypedescriptions": ["TRANSACTIONUPDATE"],
"filter":{
"sitereference": [{"value":"test_site12345"}],
"transactionreference": [{"value":"1-2-3"}]
},
"updates":{"settlestatus":"1"}
}]}'

{"alias":"webservices@example.com","version":"1.00","request":[{"requesttypedescriptions":["TRANSACTIONUPDATE"],"filter":{"sitereference":[{"value":"test_site12345"}],"transactionreference":[{"value":"1-2-3"}]},"updates":{"settlestatus":"1"}}]}

<?xml version="1.0" encoding="utf-8"?>
<requestblock version="3.67">
<alias>webservices@example.com</alias>
<request type="TRANSACTIONUPDATE">
<filter>
<sitereference>test_site12345</sitereference>
<transactionreference>1-2-3</transactionreference>
</filter>
<updates>
<settlement>
<settlestatus>1</settlestatus>
</settlement>
</updates>
</request>
</requestblock>

Allowing transactions to settle

If you have manually investigated a transaction that has been flagged with a particular fraud rating and would like to instruct us to settle the transaction, you can manually override a transaction by updating the settle status to “1”. Settlement is performed once a day and all transactions with settle status “1” are settled regardless of their fraud rating.

Suspending transactions

If you believe a transaction to be suspicious but it has not been automatically suspended, you can manually suspend a transaction by updating the settle status to “2”. Suspended transactions can later be re-enabled for settlement by updating the settle status to “1” (as described above). They can also be permanently cancelled by updating the settle status to “3”.

Cancelling transactions

If you have manually investigated a suspended transaction and would like to cancel the payment, you can manually cancel a transaction by updating the settle status to “3”.

Negative database

Our internal negative database is a record of card numbers and billing email addresses previously associated with suspicious transactions.

When any transaction receives a fraud rating of “10” or higher, we will automatically add the card number and billing email address to the database.

When you process a transaction that includes a card number and/or billing email address that has been stored in the negative database, the fraud rating is increased by “10”, which immediately suspends the transaction under default configuration. (This requires fraud checks to be enabled on your account) If a transaction is suspended due to an entry in the negative database, it is shown with the reason code “G” in Portal.

Bypassing fraud checks

Payment Pages integrations

You can manually flag transactions to bypass the results of fraud checks by including a settle status of “1” in the POST to Payment Pages:

<html>
<body>
<form method="POST" action="<DOMAIN>/process/payments/choice">
<input type="hidden" name="sitereference" value="test_site12345">
<input type="hidden" name="stprofile" value="default">
<input type="hidden" name="currencyiso3a" value="USD">
<input type="hidden" name="mainamount" value="100.00">
<input type="hidden" name="settlestatus" value="1">
<input type="hidden" name="version" value="2">
<input type="submit" value="Pay">
</form>
</body>
</html>

Replace <DOMAIN> with a supported domain. View full domain list.

JavaScript Library / Mobile SDK integrations

You can manually flag transactions to bypass the results of fraud checks by including a settlestatus of “1” in the payload submitted within your JWT.

{"payload":{"accounttypedescription":"ECOM","baseamount":"1050","currencyiso3a":"GBP","sitereference":"test_site12345","settlestatus":"1","requesttypedescriptions":["THREEDQUERY","AUTH"]},"iat":1559033849,"iss":"jwt.user"}