This risk check initiates when the ShopperDNA Shopper fits the established profile of a 'loyal shopper,' as determined by the configuration options. Shoppers with fraud-related chargebacks will never be considered loyal, whereas other elements (such as non-fraud chargebacks and risk refusals) can be configured.
Different merchants have different definitions of a loyal shopper. Regardless, identifying who your best customers are is one of the easiest ways to reduce frictions and false positives on your most profitable customers.
If you are experiencing Account Takeover Fraud, temporarily set a score of 1.
There are several configuration options for this check:
- Minimum Number of Days: This established the minimum number of days that the rule will assess to determine their loyalty.
- Do Not Allow Risk Refusals: When this option is checked, having risk refusals will negate the user from being considered loyal.
- Do Not Allow non-Fraud related chargebacks: When this option is checked, non-fraud chargebacks negates the user from being considered loyal. Note that fraud-related chargebacks will always remove a shopper from being loyal.