Handle risk rule notifications

Notifications are how we inform your server of payment events, modifications, and newly available reports. For risk, notifications inform you when risk rules have been performed. This information is also returned in the payment response.

Risk rule result line format

Version 1

For version 1, risk rule result lines are in the format: 

fraudCheck-[risk rule ID]-[risk rule name]

For example:

fraudCheck-82-CustomFieldCheck

For a list of the risk rule names, see the risk rule name reference.

Notification example

<entry>
      <string>fraudCheck-82-CustomFieldCheck</string>
      <string>30</string>
</entry> 

API response example

{
   "FraudCheckResult":{
      "accountScore":30,
      "checkId":82,
      "name":"CustomFieldCheck"
   }
},

For more information on the fields returned in the API response, see our API explorer.

Version 2

For version 2, we've added the ability to break custom risk rules into numerous, more specific, rules. This allows you to track when specific risk rules are triggered.

Standard risk rule result lines are in the same format as version 1. Custom risk rule result lines are in the format: 

fraudCheck-[risk rule ID]-CustomFieldCheck-[Rule name]

For example:

fraudCheck-82-CustomFieldCheck-testRule2

For a list of the risk rule names, see the risk rule name reference.

Notification example

<entry>
      <string>fraudCheck-82-CustomFieldCheck-testRule1</string>
      <string>10</string>
</entry>
<entry>
      <string>fraudCheck-82-CustomFieldCheck-testRule2</string>
      <string>10</string>
</entry>
<entry>
      <string>fraudCheck-82-CustomFieldCheck-testRule3</string>
      <string>10</string>
</entry>

API response example

{
   "FraudCheckResult":{
      "accountScore":10,
      "checkId":82,
      "name":"CustomFieldCheck-testRule1"
   }
},
{
   "FraudCheckResult":{
      "accountScore":10,
      "checkId":82,
      "name":"CustomFieldCheck-testRule2"
   }
},
{
   "FraudCheckResult":{
      "accountScore":10,
      "checkId":82,
      "name":"CustomFieldCheck-testRule3"
   }
},

For more information on the fields returned in the API response, see our API explorer.

Risk rule name reference

Use the following table to reference risk rule ID's to their corresponding names.

Risk rule ID	Name	Name displayed in your Customer Area
1	PaymentDetailRefCheck	Card/bank account number
2	CardChunkUsage	Card number chunk used more than {times} times within {timespan} {units}
3	PaymentDetailUsage	Card/bank account number used more than {times} times within {timespan} {units}
4	HolderNameUsage	Card/bank account holder name used more than {times} times within {timespan} {units}
5	IPCountryReferral	Shopper IP originates from high-risk country
6	ShopperIpRefCheck	Shopper IP
7	ShopperIpUsage	Shopper IP used more than {times} times within {timespan} {units}
8	ShopperEmailUsage	Shopper email used more than {times} times within {timespan} {units}
9	ShopperIpIssuingCountryCheck	Shopper country differs from issuing country
10	HolderNameContainsNumber	Card/bank account holder name contains a non-alphabetic character
11	HolderNameIsOneWord	Card/bank account holder name is only one word
13	IssuerRefCheck	Issuer
15	IssuingCountryReferral	Issuer
20	AVSAuthResultCheck	Billing address does not match cardholder address (AVS)
22	RegisteredShopperPaymentDetails	Card/bank account number already used by another shopper
25	CVCAuthResultCheck	Card Security Code (CVC2/CVV2/CID) does not match
26	ShopperEmailRefCheck	Shopper email
27	PmOwnerRefCheck	Shopper name
29	LiabilityShiftCheck	Liability shift status
33	AirlineOneWayTicketCheck	Airline data one way ticket
34	AirlineLegCheck	Airline data leg
35	TimeToDeliveryCheck	Time to delivery
36	ShopperDistinctPaymentDetailsUsage	Different cards/bank accounts used by the same shopper
37	ShopperDetailsUsage	Shopper initiated a transaction more than {times} times within {timespan} {units}
38	PersistentCookieRefCheck	Persistent cookie
40	ShopperAddressRefCheck	Shopper address
41	PaymentDetailNonFraudRefCheck	Card/bank account number non-fraud
46	DistinctCountryUsageByShopper	Different countries used by shopper more than {times} times within {timespan} {units}
47	BlockedCardsUsageByShopper	Issuer blocked (previous) card used by shopper
48	ChargebackCountByShopper	Shopper has a previous fraud chargeback or notification of fraud
49	DistinctShopperIpUsageByShopper	Multiple distinct IP addresses used by shopper more than {times} times within {timespan} {units}
50	DistinctShopperEmailUsageByShopper	Multiple distinct email addresses used by shopper more than {times} times within {timespan} {units}
51	DistinctShopperReferenceUsageByShopper	Multiple distinct shopper references used by shopper more than {times} times within {timespan} {units}
52	DistinctPaymentDetailUsageByShopper	Multiple distinct cards/bank accounts used by shopper more than {times} times within {timespan} {units}
53	DistinctSharedShopperIpUsageByShopper	Shopper used shared IP address
54	DistinctSharedPaymentDetailUsageByShopper	Shopper used shared card/bank account more than {times} times within {timespan} {units}
55	ShopperAuthorisedFrequency	Shopper authorised velocity exceeds {times} times within {timespan} {units}
56	ShopperReferenceCheck	Shopper reference
57	BillingAddressDeliveryAddress	Billing address differs from delivery address
62	DeliveryMethodCheck	Delivery method
63	TransactionAmountCheck	Transaction amount
64	TransactionAmountVelocity	Authorised transaction amount velocity
65	EmailDomainRefCheck	Email domain
66	PhoneNumberRefCheck	Telephone number
67	SocialSecurityNumberRefCheck	Social Security Number
68	TxVariantShopperReferenceRefCheck	PayPal Payer ID
69	AutomatedReferralCheck	Shopper automated referral
70	ConsecutiveRefusalsCheck	Shopper consecutive refusals exceeds {times} times within {timespan} {units}
71	LoyalShopperTrustCheck	Trust loyal shoppers
72	TransactionTimeCheck	Transaction time
73	PaymentMethodReferralCheck	Payment method
74	EmailNameCheck	Email address and shopper name comparison
75	PaymentDetailCarteBancaireRefCheck	Carte Bancaire scheme blocked cards
76	ExternalSSNCheck	Brazil CPF
77	EmailSyntaxCheck	Email is likely to be fake or automatically generated
78	ShopperBehaviorCheck	Fraudulent behavior on payment page
79	BinAttackRefCheck	BIN attack
80	ShopperAccountAgeCheck	Shopper account age
81	SchufaCheck	SCHUFA
82	CustomFieldCheck	Merchant defined name
83	DistinctAddressUsageByShopper	Multiple distinct delivery addresses used by shopper more than {times} times within {timespan} {units}
84	PaymentDetailCUPRefCheck	CUP scheme blocked cards
85	FraudRefusalsCheck	Fraud refusals exceed {times} times within {timespan} {units}
86	PaymentDetailAmexRefCheck	American Express scheme blocked cards
87	AcquirerResultEmailCheck	PayPal auth-result email
88	AcquirerVerifiedShopperCheck	PayPal verified shopper
89	AcquirerProtectionCheck	PayPal protection eligibility
90	TxVariantCountryReferral	PayPal account creation blocked country
91	ShopperStrongAuthenticationCheck	Strong authentication confirmed {times} times in {timespan} {units}
92	TransactionHighAmountVelocityCheck	High amount velocity
93	ShopperDeliveryAddressUsage	Shopper delivery address used more than {times} times within {timespan} {units}