Discover Enhanced Decisioning

Last updated: November 22, 2023

Discover Enhanced Decisioning is a free fraud management solution from Discover Global Network (DGN) that allows merchants to send additional customer data to issuers as part of the authorization message.

These extra data fields allow the issuer to make a better-informed authorization decision in real-time. Merchants can leverage the existing DGN authorization infrastructure to send these data fields, resulting in higher approval rates and helping to:

Reduce false positives
Create a frictionless checkout experience
Reduce fraud losses

Extra data fields for Discover Enhanced Decisioning include:

customer.email
customer.phone.number
customer.phone.country_code
payment_ip
shipping.first_name
shipping.last_name
shipping.address.address_line1
shipping.address.country
shipping.address.city
shipping.address.region_code
shipping.address.zip
shipping.phone.country_code
shipping.phone.number

The minimum requirement is customer.email and payment_ip address.

Note

Discover Enhanced Decisioning is only applicable to Card Not Present (CNP) transactions.

For the full API specification, see the API reference.

get

https://api.checkout.com/payments


1{
2   "source":{
3      "type":"token",
4      "token":"tok_4gzeau5o2uqubbk6fufs3m7p54"
5   },
6   "amount": 6540,
7   "currency":"USD",
8   "payment_type":"Recurring",
9   "reference":"ORD-5023-4E89",
10   "description":"Set of 3 masks",
11   "capture": true,
12   "capture_on":"2024-09-10T10:11:12Z",
13   "customer":{
14      "id":"cus_udst2tfldj6upmye2reztkmm4i",
15      "email":"[email protected]",
16      "name":"John Smith",
17      "phone":{
18         "country_code":"+1",
19         "number":"555 123 4567"
20      }
21   },
22   "billing_descriptor":{
23      "name":"Acme Corporation Inc.",
24      "city":"New York"
25   },
26   "shipping":{
27      "first_name":"John",
28      "last_name":"Smith",
29      "address":{
30         "address_line1":"111 Example Road",
31         "address_line2":"Example Court",
32         "city":"Anytown",
33         "state":"New York",
34         "zip":"22233",
35         "country":"US"
36      },
37      "phone":{
38         "country_code":"+1",
39         "number":"555 123 4567"
40      }
41   },
42   "success_url":"http://example.com/payments/success",
43   "failure_url":"http://example.com/payments/fail",
44   "payment_ip":"203.0.113.0"
45}

Discover Enhanced Decisioning

Discover Enhanced Decisioning data fields

Note

Endpoints

Request example