Learn about the risk management categories that can be used when setting up rules in our fraud and risk management solution.
Address verification service (AVS)
AVS is widely used in the US, Canada, and UK to verify the billing address provided by the cardholder with the address on file at the issuing bank.
Decline list management
A decline list is also known as a blocklist. It rejects transactions based on four attributes: card, IP address, email, and phone number. We manage a global blocklist of cards that have been blocklisted by other Checkout.com merchants, and we block any card that has been blocklisted by at least 3 other merchants.
A custom list of high-risk countries that helps to prevent transactions to and from more fraud-prone locations.
Machine learning (ML) score
A machine learning model trained on all of Checkout.com's data. This model gives a score between 0 and 100 to indicate how risky the payment is – where
Mismatch rules can be configured to trigger when the details of a transaction do not correspond with one another (eg the difference in geo-location between the BIN country and the IP address of the cardholder).
Threshold amounts can be set to trigger a defined action based on the value and currency of a transaction, typically to manage exposure to fraudulent high-value orders.
Velocity rules allow you to automatically trigger actions based on the frequency of transactions with matching attributes over a specific period. These can be set up for a range of frequencies, including daily, weekly and monthly.
Information such as email, billing address, shipping address, etc. can be checked against the Dashboard's built-in tools to verify whether the information provided is valid or is potentially fraudulent, depending on the rules and actions set.