User's Guide
Table Of Contents
- Payflow 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
- 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
Screening Transactions Using the Payflow SDK
Response Strings for Transactions that Trigger Filters
7
62 Fraud Protection Services User’s Guide
is from: CZ</triggeredMessage></rule>POSTFPSMSG=Review:More than one rule w
as triggered for Review&FPS_POSTXMLDATA[682]=<triggeredRules><rulenum="1"><
ruleId>1</ruleId><ruleAlias>AVS</ruleAlias><ruleDescription>AVS Failure</ru
leDescription><action>R</action><triggeredMessage>AVS check failed: Full Se
curity</triggeredMessage><rulevendorparms><ruleParameternum="1"><name>Value
</name><valuetype="String">Full</value></ruleParameter></rulevendorparms></
rule>(Remove text completely)<rulenum="2"><ruleId>23</ruleId><ruleAlias>CSC
Failure</ruleAlias><ruleDescription>CSC Failure</ruleDescription><action>R<
/action><triggeredMessage>CSC check failed, returned X</triggeredMessage><r
ulevendorparms><ruleParameternum="1"><name>Value</name><valuetype="String">
Full</value></ruleParameter></rulevendorparms></rule></triggeredRules>
RESULT=126&PNREF=VFHA28926593&RESPMSG=Under review by Fraud Service&AUTHCOD
E=041PNI&AVSADDR=Y&AVSZIP=N&CVV2MATCH=X&HOSTCODE=A&PROCAVS=A&PROCCVV2=X&IAV
S=N&PREFPSMSG=Review: More than one rule was triggered for Review&FPS_PREXM
LDATA[2898]=<triggeredRules><rule num="1"><ruleId>2</ruleId><ruleAlias>Ceil
ingAmount</ruleAlias><ruleDescription>Total Purchase Price Ceiling</ruleDes
cription><action>R</action><triggeredMessage>The purchase amount of 7501 is
greater than the ceiling value set of 7500</triggeredMessage><rulevendorpa
rms><ruleParameter num="1"><name>CeilingValue</name><value type="USD">75.00
</value></ruleParameter></rulevendorparms></rule><rule num="2"><ruleId>6</r
uleId><ruleAlias>HighOrderNumber</ruleAlias><ruleDescription>Total Item Cei
ling</ruleDescription><action>R</action><triggeredMessage>16 items were ord
ered, which is over the maximum allowed quantity of 15</triggeredMessage><r
ulevendorparms><ruleParameter num="1"><name>Value</name><value type="Intege
r">15</value></ruleParameter></rulevendorparms></rule><rule num="3"><ruleId
>7</ruleId><ruleAlias>BillShipMismatch</ruleAlias><ruleDescription>Shipping
/Billing Mismatch</ruleDescription><action>R</action><triggeredMessage>The
billing and shipping addresses did not match</triggeredMessage></rule><rule
num="4"><ruleId>13</ruleId><ruleAlias>HighRiskBinCheck</ruleAlias><ruleDesc
ription>BIN Risk List Match</ruleDescription><action>R</action><triggeredMe
ssage>The card number is in a high risk bin list</triggeredMessage></rule><
rule num="5"><ruleId>37</ruleId><ruleAlias>HighRiskZIPCheck</ruleAlias><rul
eDescription>Zip Risk List Match</ruleDescription><action>R</action><trigge
redMessage>High risk shipping zip</triggeredMessage></rule><rule num="6"><r
uleId>16</ruleId><ruleAlias>BillUSPostalAddressCheck</ruleAlias><ruleDescri
ption>USPS Address Validation Failure</ruleDescription><action>R</action><t
riggeredMessage>The billing address is not a valid US Address</triggeredMes
sage><rulevendorparms><ruleParameter num="1"><name>AddressToVerify</name><v
alue type="String">bill</value></ruleParameter></rulevendorparms></rule><ru
le num="7"><ruleId>10</ruleId><ruleAlias>HighRiskEmailCheck</ruleAlias><rul
eDescription>Email Service Provider Risk List Match</ruleDescription><actio
n>R</action><triggeredMessage>The email address fraud@asiamail.com in billE
mail was found in a high risk email provider list</triggeredMessage></rule>
<rule num="8"><ruleId>38</ruleId><ruleAlias>GeoLocationCheck</ruleAlias><ru
leDescription>Geo-
Location Failure</ruleDescription><action>R</action><triggeredMessage>GeoLo
cation difference: Bill Address and IP, GeoLocation difference: Ship Addres
s and IP</triggeredMessage></rule><rule num="9"><ruleId>8</ruleId><ruleAlia
s>NonUSIPAddress</ruleAlias><ruleDescription>International IP Address</rule