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Configure standard risk rules

Configure standard risk rules to your business needs.

RevenueProtect compares a transaction to risk rules that you define, and increases the risk score if a transaction breaks these rules.

  • Assign rules a score based on the severity of risk.
  • When the rule triggers, the score is added to the total transaction score.
  • Transactions are blocked when their score reaches 100.

For a description of the types of standard risk rules you can configure, see risk rule types.

You can configure risk rules in different ways for different risk profiles. For example, isolate low-risk from high-risk transactions with different risk configurations for each profile.

Risk rule types

We provide different types of risk rules that use their own specific rules:

  • ShopperDNA rules - Use ShopperDNA shopper data and behavior to determine fraud.
  • Referral rules - Use lists of known good and bad shoppers to prevent fraudsters from making payments.
  • Consistency rules - Analyze provided shopper data and behavior for inconsistencies and fraud.
  • Velocity rules - Set thresholds on how often a shopper can attempt transactions in a given time period.
  • External risk rules - Use data from third-party risk mitigation systems to determine fraud.
    In addition to standard risk rules, we also provide custom risk rules that you can define yourself.

Step 1: Turn on and configure risk rules

  1. Log in to your Customer Area.
  2. Navigate to Risk > Risk profiles.
  3. Select a risk profile from the list.
    The risk profile information page is displayed. The Risk rules section lists all standard and custom risk rules.
  4. Select a risk rule from the list.
    A panel with options to turn the check on and configure rule-specific settings is displayed. Most risk rules allow you to specify a time frame and an amount to increase the overall risk score by, as well as other settings specific to the check.

Step 2: Test the risk rule

  1. Make a payment request providing the required fields for the risk rule. In the following example, a shopperReference is provided for a Shopper Reference Referral List check:
{
   "amount":{
      "currency":"USD",
      "value":1000
   },
   "reference":"98739872454D",
   "shopperReference":"1234567890",
   "paymentMethod":{
      "type":"scheme",
      "number":"4111111111111111",
      "expiryMonth":"10",
      "expiryYear":"2020",
      "holderName":"John Smith",
      "cvc":"737"
   },
   "returnUrl":"https://your-company.com/...",
   "merchantAccount":"YOUR_MERCHANT_ACCOUNT"
}
  1. Take note of the pspReference in the payment response.
  2. Log in to your Customer Area, and select the merchant account you used to make the payment.
  3. In the Search payments, search for the pspReference and select the payment.
  4. Click the number listed under Fraud scoring.
    A page will open with a breakdown of which fraud checks triggered.