User Guide

Fraud Management Filters Operating Principles
Fraud Management Filters Operation With Other Payment Transactions
48 June 23, 2009 Fraud Management Filters
15.Address Verification Service Partial Match filter
16.Address Verification Service Unavailable or Not Supported filter
17.Card Security Code Mismatch filter
NOTE: For Canadian merchants, the Zip Code and Suspected Freight Forwarder filters only
operate on US addresses. These filters are not available to UK merchants.
Fraud Management Filters Operation With Other Payment
Transactions
For non-Direct Credit Card and non-Virtual Terminal transactions, only basic Fraud
Management Filters are applied.
For other payment transactions, such as Express Checkout, PayPal applies the basic filters you
enable in the following order:
1. Maximum Transaction Amount filter
2. Unconfirmed Address filter
3. Country Monitor filter
Fraud Management Filters Pending State Operation
Transactions that are set aside for review enter the pending state.
You can enable a filter by setting it to Accept, to Deny, Review, or to Flag. Payments
awaiting review by you are marked by PayPal as pending. More than one filter can cause a
payment to be pended awaiting your review; however, as soon as a filter causes a payment to
be accepted or denied, all filtering stops. The filter actions to accept, deny, or pend a payment
for review are mutually exclusive; PayPal can take only one of these actions for each
transaction as it is processed by a filter.
NOTE: The Review setting for a filter enables payments to be set aside for your review. It is
not the same as additional review actions that PayPal may take on your behalf to
reduce fraud.
If you specify that a filter should flag a payment, the PayPal user interface marks the
transaction when it is displayed in the PayPal website. A flagged payment is not pended.
Another filter may cause a flagged payment to be accepted, denied, or pended.
When a payment is set aside for review, the associated transaction enters the pending state.
You must accept for deny the payment before the transaction can complete.
NOTE: If you do not make a determination within 30 days, PayPal automatically returns the
funds to the buyer.