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Does this payment gateway stop fraudulent purchases?

Does this payment gateway stop fraudulent purchases? Meaning if a customer used their credit card to purchase an item and had a different address from their billing and shipping, would the transaction still go through?

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Registered: ‎12-05-2011

Re: Does this payment gateway stop fraudulent purchases?

Hello @ponthilagan

 

If the merchant is using our Advanced Fraud Detection Suite, they can configure the  Shipping-Billing Mismatch Filter  which identifies high-risk transactions with different shipping and billing addresses, potentially indicating purchases made using a stolen credit card.

 

When triggered, merchants have the option to:

 

  • Process as normal and report filter(s) triggered - When this action is selected, transactions that trigger this filter are processed as normal, but are also reported in the Merchant Interface as triggering this filter. This action is useful if you want to "test" your filter settings.
  • Authorize and hold for review - When this action is selected, transactions that trigger this filter are sent for authorization, and upon successful authorization are placed in the Authorized/Pending Review state. Once in Authorized/Pending Review, you will have 30 days to manually review and either approve or void the transaction. If no action is taken in the 30-day period, the transaction will expire. This action is useful if you want to review authorized transactions prior to submitting for settlement.
  • Do not authorize, but hold for review - When this action is selected, transactions that trigger this filter are placed in the Pending Review state prior to being sent for authorization. Once in Pending Review, you will have 5 days to manually review and either approve or decline the transaction. Once you approve the transaction, it is sent for authorization. If no action is taken in the 5-day period, the transaction will expire. This action is useful if you want to review transactions prior to authorization to avoid incurring any associated authorization fees.
  • Decline the transaction - When this action is selected, transactions that trigger the filter will be declined automatically prior to authorization. This is the most severe action you can take for a transaction.

Richard