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
Fraud Filter Reference
Unusual Order Filters
A
78 Fraud Protection Services User’s Guide
Total Item Ceiling Filter
What does the filter do?
This filter compares the total number of items (or volume for bulk commodities) to the
maximum count (the ceiling) that you specify.
The specified action is taken whenever the item count in a transaction exceeds the specified
ceiling.
How does the filter protect me?
An unusually high item count (compared to the average for your business) can indicate
potential fraudulent activity. Fraudsters frequently attempt to order large numbers of attractive
items that can easily be resold.
NOTE: In addition, some items are more susceptible to fraud than others. For example, a
computer can be resold for much more money than can a pair of sport shoes. The
likelihood of selling the item quickly is also a factor.
Shipping/Billing Mismatch Filter
What does the filter do?
This filter screens for differences between the shipping information and the billing information
(street, state, ZIP code, and country).
The specified action is taken whenever the shipping information differs from the billing
information.
Data Normalization
The Shipping/Billing Mismatch filter is tolerant of minor address inaccuracies that result from
typographical or spelling errors. The filter checks relationships among the street address, city,
state, and ZIP code and determines if a minor change is needed before screening the
transaction.
NOTE: This normalization is performed purely on the billing and shipping data, and does not
authenticate the customer.
Because this normalization happens during data validation by the Payflow server, the data as
entered by the customer will still appear in its original form on all transaction data review
pages. This means that you might see the following entries not flagged as mismatches on the
Fraud Details page:
Billing Shipping
Steve Morrison Steve Morrison
4390 Ramirez 4390 Ramires
San Francisco, CA San Francisco, CA
94114 94113
How does the filter protect me?
There are legitimate reasons for a shipping/billing mismatch with a customer purchase—for
example, gift purchases might fit this profile. But a mismatch could also indicate that someone