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
Fraud Filter Reference
International Order Filters
A
88 Fraud Protection Services User’s Guide
States of America, America, and so on) in the country fields. Any other country name triggers
the filter.
How does the filter protect me?
Orders from customers in foreign countries are more likely to be fraudulent than orders from
domestic customers. This is due to the difficulty of authenticating foreign citizens and the
difficulty of cross-border legal enforcement against fraudulent activities.
The International Shipping/Billing Address filter sets aside transactions from customers in
foreign countries so that you can evaluate them more fully.
International IP Address Filter
What does the filter do?
This filter screens for international IP addresses. An IP (Internet protocol) address is a unique
identifier for a computer that can identify a particular network and a particular computer on
that network.
The specified action is taken whenever the IP address indicates an international computer or
network.
How does the filter protect me?
Orders from customers in foreign countries are more likely to be fraudulent than orders from
domestic customers. This is due to the difficulty of authenticating foreign citizens as well as
the difficulty of cross-border legal enforcement against fraudulent activities.
The International IP Address filter sets aside transactions from customers in foreign
countries so that you can evaluate them more fully.
International AVS Filter
What does the filter do?
International Address Verification Service (IAVS), determines whether the issuer is domestic
(US) or international.
The specified action is taken whenever AVS returns Y.
TABLE A.5 AVS filter results
Result Meaning
Y The card number is associated with an international issuer.
N The card number is associated with a US issuer.
X Account holder's bank does not support IAVS.
(Null) In some cases banks return no value at all.