{"title":"Use transaction rules","category":"default","creationDate":1571779440,"content":"

When your cardholders make payments to third-parties, you can protect your balance platform from risk by evaluating and declining suspicious authorization requests. You can use transaction rules to configure a logic that automatically declines an authorization that does not meet your business' requirements. Aside from payments, transaction rules can be applied to other activities of the cardholder, such as ATM withdrawals.<\/p>\n

We recommend that you use transaction rules to make decisions based on transaction data and static conditions, such as a fixed list of countries\/regions from which transactions must not be allowed.<\/p>\n

Transaction rule creation<\/h2>\n

When creating transaction rules, you must determine the following:<\/p>\n

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  1. \n

    Criteria<\/strong>: The criteria<\/a> that determine when a transaction is evaluated with the rule. For example, if the transaction occurs in a specific time interval or if it applies to a specific resource in your balance platform. To define the rule criteria, you must consider the following:<\/p>\n\n\n\n\n\n\n\n\n
    Criterion<\/th>\nDescription<\/th>\n<\/tr>\n<\/thead>\n
    Request type<\/a><\/td>\nDefines the type<\/code> of transfer request to which you want to apply the rule. Possible values: authorization<\/strong> (default), authentication<\/strong>, tokenization<\/strong>.<\/td>\n<\/tr>\n
    Rule type<\/a><\/td>\nDefines what data the rule must use to analyze the transaction and check whether it meets the conditions. The rule either uses only the data of the current transaction being analyzed, or uses accumulated data from previous transactions.<\/td>\n<\/tr>\n
    Time interval<\/a><\/td>\nDefines the time period in which a transaction must meet the rule conditions.<\/td>\n<\/tr>\n
    Entity<\/a><\/td>\nDefines the balance platform resource to which the rule applies.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/li>\n
  2. \n

    Conditions<\/strong>: The conditions<\/a> that a transaction must meet for the rule's outcome to be applied. For example, if it contains certain request data.<\/p>\n<\/li>\n

  3. \n

    Outcome<\/strong>: The outcome<\/a> to apply when the transaction is evaluated and meets the conditions of the rule, such as to decline the transaction or assign a risk score to it.<\/p>\n<\/li>\n<\/ol>\n

    How it works<\/h2>\n
      \n
    1. \n

      You create a transaction rule by defining the criteria, conditions, and outcome.<\/p>\n<\/li>\n

    2. \nYour cardholder initiates a transaction using their Adyen-issued card.<\/li>\n
    3. \n

      If the transaction meets the criteria of the transaction rule, Adyen evaluates the transaction using the rule.<\/p>\n<\/li>\n

    4. \n

      If the transaction meets the conditions defined in the transaction rule, Adyen applies the outcome of the rule.<\/p>\n<\/li>\n<\/ol>\n

      You can also combine transaction rules with relayed authorisation<\/a>. When combined, Adyen evaluates transaction rules first before sending the relayed authorisation webhook to your server. This means that when a transaction is already declined by transaction rules, you will not get a relayed authorisation webhook.<\/p>\n

      Criteria<\/h2>\n

      Request types<\/h3>\n

      The request type defines the type of transfer requests to which you want to apply a rule. When you send a request to the POST Transfers API<\/a> endpoint, Adyen evaluates the request and categorizes it as one of the following request types:<\/p>\n

        \n
      1. authorization<\/strong>: a request to authorize a payment. For more information, see Payment authorisation<\/a>.<\/li>\n
      2. authentication<\/strong>: a request to authenticate your cardholder's identity. This is an authorisation request with SCA parameters included in the header. For more information, see Out-of-band authentication<\/a>.<\/li>\n
      3. tokenization<\/strong>: a request to tokenize your cardholder's details for recurring payments. For more information, see Network Tokens<\/a>.<\/li>\n<\/ol>\n

        When you create a transaction rule, you can choose the request types to which the rule applies.<\/p>\n

        Rule types<\/h3>\n

        The rule type defines what data the rule uses to analyze and decide the outcome of a transfer request. Adyen can use the data of the current transfer, or use accumulated data from previous transfers.<\/p>\n

        The following rule types are available:<\/p>\n