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Fraud and risk management solution

Last updated: 3rd August 2022

Our fraud and risk management 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 Dashboard.

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 and risk management solution to control what happens before and after this stage. We call these decision points pre-3DS and post-auth.

Your decisions are made using flows in the Dashboard. You have one for pre-3DS 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 dashboard

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

There are 7 steps in a payment lifecycle. Only steps 2 and 6 are configured by you, as the rest is determined by the card issuer, cardholder or Checkout.com.

  1. Incoming transactions – all new transactions start as incoming transactions.
  2. Pre-3DS – 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. Pre-auth – the decision Checkout.com has taken as a result of the 3DS outcome.
  5. Auth outcome – the outcome of the authorization request.
  6. Post-auth - the second decision point you determine when creating your risk strategy.
  7. Current status – the last known status of the transaction.

The data displayed on the fraud dashboard 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.

Statuses

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

    StatusDescription

    Decline

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

    Force challenge

    The customer's bank has been asked to challenge the customer, but they can choose not to.

    No preference

    No recommendation has been provided to the card issuer for whether to challenge the customer or not.

    Try frictionless

    The card issuer has been asked to authenticate the transaction without challenging the customer, but they can still choose to do so.

    Try exemptions

    The most permissive decision, resulting in the lowest friction. Where possible, our 3DS routing engine has selected the most appropriate exemption to bypass Strong Customer Authentication (SCA). If the customer's bank accepts the exemption, you will not be covered by the liability shift.

    Skipped

    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 and risk management solution

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