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Fraud Detection

Last updated: August 3, 2022

Our Fraud Detection solution gives you the power to control what happens to the payments you process. Each payment that has the risk set to true using our Unified Payments API will be assessed against the risk assessment rules you set in the Hub.

We've highlighted the features that are available only in the pro version. Contact your Customer Success Manager for more information about our pro offer.

How it works

Every payment request has an authentication and authorization stage that verifies who is making the request, and whether the payment can be accepted. Use our Fraud Detection solution to control what happens before and after this stage. We call these decision points pre-auth and post-auth.

Your decisions are made using flows in the Hub. You have one for pre-auth and another for post-auth. Each flow gathers information about a transaction and directs it to a specific outcome. This is referred to as routing. We go into more detail when we explain how to use the solution.

Fraud Detection in the Hub

The Hub shows the journey of all transactions that went through a risk assessment.

There are 6 steps in a payment lifecycle. Only steps 2 and 5 are configured by you, as the rest is determined by the card issuer, cardholder or

  1. Incoming transactions – all new transactions start as incoming transactions.
  2. Pre-auth – the first decision point you determine when creating your risk strategy.
  3. 3DS outcome – the outcome of 3DS authentication, including scenarios where it hasn’t been applied.
  4. Auth outcome – the outcome of the authorization request.
  5. Post-auth - the second decision point you determine when creating your risk strategy.
  6. Current status – the last known status of the transaction.

The data displayed on the Hub is updated every day at midnight (UTC). You can download a report that contains a transaction-by-transaction summary of data points, rules triggered, outcomes at each stage, and whether there were fraudulent transactions.

To download a report:

  1. Select a date range.
  2. Select Generate report.
  3. Select Download.


Each stage in the payment lifecycle has several statuses associated with it.



    The transaction has not been processed. It will not continue to 3DS authentication or authorization.

    3DS check

    Your customer will have to prove their identity, such as through the use of a one-time pass code. This will reduce fraud, but also may impact your conversion rate.


    The 3DS payment has been accepted.


    Either risk assessment was not performed or could not be performed. As a result, the default decision of try exemptions has been applied.

    Where to next?

    Understand the Fraud Detection solution

    Understand how to use our Fraud Detection solution, so you control what type of payments you accept and reduce the risk of fraud.

    Read documentation about using the solution.