A Risk Decision request analyses the customer’s billing, delivery and payment details using a rule-based system to detect suspicious patterns in user activity. The system will assist you in making a decision on whether to process a customer’s transaction based on the perceived level of risk. Checks performed include:
- The industry’s largest negative database.
- Neural-based fraud assessments.
- Tumbling or Swapping, where there is an unusual usage pattern in the card number, expiration date or customer details associated with a transaction.
Requirements
Sign up for Protect Plus
Before you can get started, you will need to contact our Sales Team and enable Protect Plus on your account.
This functionality is only available to those with the following user roles:
Admin, TransactionUser
How to perform a Risk Decision
1. Select transaction(s) for Risk Decision
Select “Transactions”. Perform a search and then click a transaction reference displayed in the results table to view further details.
2. Select the action
Click the “Risk Decision” button displayed near the bottom of the page.
If there is not enough space to display all options, these will be combined into a single “Actions” button. Click to expand to view all options.
3. Allowed and Disallowed transactions
If successful, the page displayed will be pre-filled with details inherited from the selected transaction(s).
You should check the “Summary” table at the top of the page, which displays the number of selected transactions that are “Allowed” and “Disallowed”. Disallowed transactions are not suitable for the desired action and are not displayed on the page.
4. Fill out the form
Check the values displayed on-screen and make any necessary adjustments by clicking the “+” icon on the left to expand the form. When you are ready to process the request, click “Risk Decision” at the bottom of the page.
You can also configure your own system to process Risk Decision requests by interacting directly with our API. Click here to learn more.
Handling the response
If the action was processed successfully, you should see a green success message at the top of the page.
For each row under the “Successfully Processed Transactions” header, the outcome of the Risk Decision checks is displayed under the Shield code column:
- ACCEPT – The details are not deemed suspicious and are considered to be safe to continue.
- DENY – The details are suspicious and a transaction should not be performed.
- CHALLENGE – Further investigation is recommended.
- NOSCORE – Transaction was declined by the acquirer before checks were performed.
Further to the above, you can click the “+” icon on each row to view the full responses for each Risk Decision processed.
A summary table will also be displayed at the top of the page, counting Success and Error cases.
Troubleshooting errors
If errors have occurred, the transactions you attempted to action should remain on screen. Check the error code and message for further information on the nature of the problem. In some cases (e.g. a field error), you can correct a mistake on the form and resubmit. Invalid fields are highlighted in red. Ensure you click the “+” icon on the left as the field that is causing the error may be hidden.
