Fraud Prevention: Fraud LabsUpdated 3 months ago
Fraud Labs is a fraud prevention service offered by Paymonix. Store admins can enable it in the Store Settings section. Once enabled, you’ll need to adjust the fraud level for each payment method to ensure that transactions are processed through the Fraud Labs service.
Store Settings:
Global settings are included in your Paymonix service and can be used by any store processing payments through Paymonix. Since these settings are managed by the Paymonix team, the rules applied are standard and cannot be customized for individual store needs. However, stores have the option to connect their own Fraud Labs account to define custom rules. To do so, they can check "Enabled" and enter their own account details.
Payment Settings:
Fraud level should be set to high on each method where transactions should be passed through FraudLabs. Typically, credit card and ACH payment methods are most relevant as chargebacks occur on these methods. Fraudlabs cannot be used in cases where customers are taken to a redirect to apply payment.
Global Fraud Rules
Fraud Labs fraud rule validation is set by the Paymonix team. The transactions will pass through each rule in the following sequence and stop if the rule is triggered, pushing the order to fraud review in Paymonix.
- Credit card issuer country not equal to Puerto Rico, United States of America, Virgin Islands (U.S.)
- Credit card issuer country not equal to billing country
- Billing zip code not equal to shipping zip code
- Total amount by transaction is greater than $900.00
- Total transaction by credit card within the last 24 hours is greater than 6
- Total transaction by email address within the last 24 hours is greater than 6
- Total transaction by device within the last 24 hours is greater than 6
- Total transaction by IP address within the last 24 hours is greater than 6
- Total transaction by email address within the last 7 days is greater than 6
- Total transaction by IP address within the last 7 days is greater than 6
- Total transaction by device within the last 7 days is greater than 6
- Visitor IP address equal to blacklisted IP
- Fraud score is greater than 70
- Credit card equal to blacklisted card