User's Guide
Table Of Contents
- Payflow Pro Fraud Protection Services User’s Guide
- Preface
- Overview
- How Fraud Protection Services Protect You
- Configuring the Fraud Protection Services Filters
- Assessing Transactions that Triggered Filters
- Activating and Configuring the Buyer Authentication Service
- Performing Buyer Authentication Transactions Using the SDK
- Testing the Buyer Authentication Service
- Buyer Authentication Transaction Overview
- Buyer Authentication Terminology
- Buyer Authentication Server URLs
- Detailed Buyer Authentication Transaction Flow
- Call 1: Verify that the cardholder is enrolled in the 3-D Secure program
- Call 2: POST the authentication request to and redirect the customer’s browser to the ACS URL
- Call 3: Validate the PARES authentication data returned by the ACS server
- Call 4: Submit the intended transaction request to the Payflow server
- Example Buyer Authentication Transactions
- Buyer Authentication Transaction Parameters and Return Values
- ECI Values
- Logging Transaction Information
- Screening Transactions Using the Payflow SDK
- Downloading the Payflow SDK (Including APIs and API Documentation)
- Transaction Data Required by Filters
- Transaction Parameters Unique to the Filters
- Existing Payflow Parameters Used by the Filters
- Response Strings for Transactions that Trigger Filters
- Accepting or Rejecting Transactions That Trigger Filters
- Logging Transaction Information
- Responses to Credit Card Transaction Requests
- Fraud Filter Reference
- Testing the Transaction Security Filters
- Good and Bad Lists
- AVS Failure Filter
- BIN Risk List Match Filter
- Country Risk List Match Filter
- Email Service Provider Risk List Match Filter
- Freight Forwarder Risk List Match Filter
- Geo-location Failure Filter
- International IP Address Filter
- International Shipping/Billing Address Filter
- IP Address Match Filter
- Shipping/Billing Mismatch Filter
- Total Item Ceiling Filter
- Total Purchase Price Ceiling Filter
- Total Purchase Price Floor Filter
- USPS Address Validation Failure Filter
- ZIP Risk List Match Filter
- Deactivating Fraud Protection Services
- Index
5
Content
Logging Transaction Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46
Audit Trail and Transaction Logging . . . . . . . . . . . . . . . . . . . . . . . . . . . 46
Chapter 7 Screening Transactions Using the Payflow SDK . . . . . .49
Downloading the Payflow SDK (Including APIs and API Documentation) . . . . . . . . . . 49
Transaction Data Required by Filters . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49
Transaction Parameters Unique to the Filters . . . . . . . . . . . . . . . . . . . . . . . . 52
Existing Payflow Parameters Used by the Filters . . . . . . . . . . . . . . . . . . . . . . 53
Response Strings for Transactions that Trigger Filters . . . . . . . . . . . . . . . . . . . 54
RESULT Values Specific to Fraud Protection Services . . . . . . . . . . . . . . . . . 57
Changing the Verbosity Setting . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 58
Example Response for an Authentication Transaction With Verbosity=Low . . . . . . 58
Example Response for an Authentication Transaction With Verbosity=Medium . . . . 58
Accepting or Rejecting Transactions That Trigger Filters . . . . . . . . . . . . . . . . . . 61
Logging Transaction Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 61
Chapter 8 Responses to Credit Card Transaction Requests . . . . . .63
An Example Response String . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 63
Contents of a Response to a Credit Card Transaction Request . . . . . . . . . . . . . . . 63
PNREF Value . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 64
PNREF Format . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 65
RESULT Codes and RESPMSG Values . . . . . . . . . . . . . . . . . . . . . . . . . . . 65
RESULT Values for Transaction Declines or Errors . . . . . . . . . . . . . . . . . . . 65
RESULT Values for Communications Errors . . . . . . . . . . . . . . . . . . . . . . 71
Appendix A Fraud Filter Reference. . . . . . . . . . . . . . . . . . . .73
Filters Included with the Fraud Protection Services . . . . . . . . . . . . . . . . . . . . . 73
Filters Included with the Basic Fraud Protection Services Option . . . . . . . . . . . . 73
Filters Included with the Advanced Fraud Protection Services Option . . . . . . . . . 74
Special Case: Buyer Authentication Failure Filter . . . . . . . . . . . . . . . . . . . . 74
About the Fraud Risk Lists . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 74
Filters Applied After Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 75
Transaction Data Required by Filters . . . . . . . . . . . . . . . . . . . . . . . . . . 75
Unusual Order Filters . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 75
Total Purchase Price Ceiling Filter . . . . . . . . . . . . . . . . . . . . . . . . . . . . 75
Total Item Ceiling Filter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 76
Shipping/Billing Mismatch Filter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 76