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Please note:

The following information is only relevant if you are using Fiserv's Fraud Detect / Fraud Score solution.

Process Flow

The Fraud Detect process flow can be described as follows:

1. You send a payment transaction request to our Gateway and it gets routed for authorisation
2. The Gateway receives the authorization response (approved/declined) including details like if the card code matched or if the address has been successfully verified.
3. If approval is received, the Gateway submits all transaction details and authorisation results to the Fraud Detect scoring engine.
4. The Gateway receives the response from Fraud Detect with the fraud score (between 1-1000)
5. Depending on how the risk tolerance level is set for your Store (default 500), you will either receive a an approved result back from the Gateway or the Gateway will automatically void the previous authorisation and send you a decline back. The response to your systems includes the fraud score.

It is possible to amend the scoring at which you wish a transaction to be Approved or Declined at by using a slider provided in the Fraud Settings section of the Administration tab of the Virtual Terminal.

Hosted Payment Page Integration

Hosted Payment Page solution specifics can be found here: HPP Fraud Detect Integration