Fraud Filter

With Fraud Filter mechants can design their own fraud system.

The Fraud Filter has a build in parameter based system that analyses all payments through QuickPay, and scores the payment with a value between 0 and 100.

If a payment is marked as “Possible fraud” it does not necessarily mean that it is fraud, and a payment that is not marked cannot be seen as “Safe”. As a merchant you must always assess and examine payments that for some reason may seem suspicious.

Please note that a payment may be affected by rules from an acquirer. We will look at them at the end of the article.

Fraud Filter setup

Under Settings > Fraud Filter it is possible to view your current rules, and setup new ones.

All merchants are created with a default rule, that marks payments with a ‘fraud score’ above 50 with a flag.

It is possible to filter payments by the following rules

It is possible to combine rules together and choose if one or all rules must be triggered. See more under examples

Actions

If your payments gets caught by a rules, it is possible to take the following actions on the payment:

  • Mark as possible fraud Payments will be marked with a “possible fraud”-flag in our system, and can now manually be assessed.

  • Force 3-D Secure The payment will automatically be forced through 3-D Secure

  • Block payment The payment is blocked

It is also possible to set action to “Nothing”, in case you wish to disable the rule for a period of time.

Rules

Fraud score

All payments through QuickPay are analysed by a system, that looks at different parameters and then gives them a fraud score between 0 and 100.

Per default all payments with a score above 50 is marked as possbile fraud.

Parameters includes

  • Amount - both on the transaction and the toalt amount on the card from the last 24 hours

  • Amount of transactions on the card or IP within a period

  • Issuer country and cardholder country

In addition to the above, the transaction is compared to previous transactions that have been confirmed as fraud by other merchants.

Please note that all payments above 300 EUR, automatically will get a fraud score of 100.

Amount

Amount on the payment. Specified in EUR.

Card country

The country that the card has been issued in.

Request IP Country

The country where the card is used.

Examples

In the following section you can see some examples of rules.

Payments from outside Denmark, Sweden and Norway with an amount above 1000 DKK requires 3-D Secure

fraud-filter-example

Payments where card is not issued or used in Denmark is blocked

fraud-filter-example

Acquirer specific rules

SecurePay

Payments through Nets that gets a fraud score above 50 is automatically escalated to 3-D Secure.

Read more about SecurePay

Secured By Nets

If Secured By Nets is activated on your account, all Dankort payments will automatically pass through Secured By Nets.

Nets assesses the payment to see if cardholder must use 2-factor-authentication to complete the payment.

Read more about Secured by Nets

Clearhaus account rules

All agreements from Clearhaus have certain rules that determines how the agreement can be used.

These rules can be found under Settings > Acquirers > Clearhaus, once you have input your Clearhaus API Key.


Contact QuickPay Support
Need help?

support@quickpay.net