Fraud Check Usage

We are providing you with a secure and reliable Check Fraud solution that will protect you from any fraudulent activity and keep you and your customers happy and safe. The Fraud Check system will verify and validate your transactions in order to detect any suspicious transactions and therefore reduce the risk of chargebacks.

There are 3 possible scenarios when initiating a card payment with the system Fraud Check on:

  • The card payment is initiated and the Fraud Check system doesn’t detect any suspicious behavior or rule. The payment is accepted. For more details checkout our section: Fraud Check – Payment Accepted.

  • The card payment is initiated and the Fraud Check system detects a suspicious behavior or rule. The payment is denied. For more details checkout our section: Fraud Check – Payment Denied.

  • The card payment is initiated and the Fraud Check system detects a possible suspicious behavior or rule. The payment is challenged by the fraud check provider. You can reject or accept the challenge. For more details checkout our section: Fraud Check – Payment Challenged.

Fraud Check – Payment Accepted

Any credit card transaction will undergo a Fraud Check based on the provided parameters. The more parameters provided, a more accurate precision the fraud check will have.

The card payment is initiated and the Fraud Check system doesn’t detect any suspicious behavior or rule. The payment is accepted.

Request:

POST https://securetest.smart2pay.com/v1/payments
Authorization: Basic MTAxMDpnYWJp

{
  "Payment": {
    "MerchantTransactionID": "s2ptest_j9",
    "Amount": 100,
    "Currency": "BRL",
    "ReturnURL": "http://demo.smart2pay.com/redirect.php",
    "Description": "test payment",
    "StatementDescriptor": "card payment",
    "BillingAddress": {
      "City": "Iasi",
      "ZipCode": "7000-49",
      "State": "Iasi",
      "Street": "Sf Lazar",
      "StreetNumber": "37",
      "HouseNumber": "5A",
      "HouseExtension": "-",
      "Country": "BR"
    },
    "ShippingAddress": null,
    "Customer": {
      "FirstName":"John",
      "LastName":"Doe",
      "Email": "accept@accept.com",
      "SocialSecurityNumber": "00003456789"
    },
    "Card": {
      "HolderName": "John Doe",
      "Number": "4111111111111111",
      "ExpirationMonth": "02",
      "ExpirationYear": "2019",
      "SecurityCode": "312"
    },
    "Installments": 3,
    "Capture": false,
    "Retry": false,
    "GenerateCreditCardToken": false,
    "PaymentTokenLifetime": 100,
    "3DSecure": false,
    "Language": "ro-RO",
    "SkinID": 200
  }
}

Response:

HTTP/1.1 201 Created
Content-Type: application/json; charset=utf-8

{
  "Payment": {
    "ID": 203372,
    "ClientIP": null,
    "SkinID": 200,
    "Created": "20180209082328",
    "MerchantTransactionID": "s2ptest_j9",
    "OriginatorTransactionID": null,
    "Amount": 100,
    "Currency": "BRL",
    "CapturedAmount": "0",
    "ReturnURL": "http://demo.smart2pay.com/redirect.php",
    "Description": "test payment",
    "StatementDescriptor": "card payment",
    "MethodID": 6,
    "MethodOptionID": null,
    "SiteID": 1010,
    "NotificationDateTime": null,
    "Customer": {
      "ID": 297,
      "MerchantCustomerID": null,
      "Email": "accept@accept.com",
      "FirstName": "John",
      "LastName": "Doe",
      "Gender": null,
      "SocialSecurityNumber": "00003456789",
      "Phone": null,
      "Company": null
      },
    "BillingAddress": {
      "ID": 9590,
      "City": "Iasi",
      "ZipCode": "7000-49",
      "State": "Iasi",
      "Street": "Sf Lazar",
      "StreetNumber": "37",
      "HouseNumber": "5A",
      "HouseExtension": "-",
      "Country": "BR"
      },
    "ShippingAddress": null,
    "Articles": null,
    "Card": {
      "HolderName": "John Doe",
      "Number": "Ends with 1111",
      "ExpirationMonth": "02",
      "ExpirationYear": "2019"
      },
    "CreditCardToken": null,
    "Status": {
      "ID": 9,
      "Info": "Authorized",
      "Reasons": []
      },
    "MethodTransactionID": null,
    "PaymentTokenLifetime": null,
    "Capture": false,
    "Retry": false,
    "RedirectURL": null,
    "3DSecure": false,
    "Fraud": {
      "Status": "Accept",
      "CheckMode": "CheckOnPreAuthorisation",
      "Score": 0,
      "Reason": "Always accept rule"
      },
    "Installments": 3
    }
}   

Fraud Check – Payment Denied

In case the system has detected a malicious transaction, that transaction will be rejected by the fraud check provider. You will be notified in the response of why the transaction has Failed in the Reason field in the Fraud object.

The card payment is initiated and the Fraud Check system detects a suspicious behavior or rule. The payment is denied.

Request:

POST https://securetest.smart2pay.com/v1/payments
Authorization: Basic MTAxMDpnYWJp

{
  "Payment": {
    "MerchantTransactionID": "s2ptest_j8",
    "Amount": 100,
    "Currency": "BRL",
    "ReturnURL": "http://demo.smart2pay.com/redirect.php",
    "Description": "test payment",
    "StatementDescriptor": "card payment",
    "BillingAddress": {
      "City": "Iasi",
      "ZipCode": "7000-49",
      "State": "Iasi",
      "Street": "Sf Lazar",
      "StreetNumber": "37",
      "HouseNumber": "5A",
      "HouseExtension": "-",
      "Country": "BR"
    },
    "ShippingAddress": null,
    "Customer": {
      "FirstName":"John",
      "LastName":"Doe",
      "Email": "deny@deny.com",
      "SocialSecurityNumber": "00003456789"
    },
    "Card": {
      "HolderName": "John Doe",
      "Number": "4111111111111111",
      "ExpirationMonth": "02",
      "ExpirationYear": "2019",
      "SecurityCode": "312"
    },
    "Installments": 3,
    "Capture": false,
    "Retry": false,
    "GenerateCreditCardToken": false,
    "PaymentTokenLifetime": 100,
    "3DSecure": false,
    "Language": "ro-RO",
    "SkinID": 200
  }
}

Response:

HTTP/1.1 400 Bad Request
Content-Type: application/json; charset=utf-8

{
  "Payment": {
    "ID": 203371,
    "ClientIP": null,
    "SkinID": 200,
    "Created": "20180209082141",
    "MerchantTransactionID": "s2ptest_j8",
    "OriginatorTransactionID": null,
    "Amount": 100,
    "Currency": "BRL",
    "CapturedAmount": "0",
    "ReturnURL": "http://demo.smart2pay.com/redirect.php",
    "Description": "test payment",
    "StatementDescriptor": "card payment",
    "MethodID": 6,
    "MethodOptionID": null,
    "SiteID": 1010,
    "NotificationDateTime": null,
    "Customer": {
      "ID": 296,
      "MerchantCustomerID": null,
      "Email": "deny@deny.com",
      "FirstName": "John",
      "LastName": "Doe",
      "Gender": null,
      "SocialSecurityNumber": "00003456789",
      "Phone": null,
      "Company": null
      },
    "BillingAddress": {
      "ID": 9590,
      "City": "Iasi",
      "ZipCode": "7000-49",
      "State": "Iasi",
      "Street": "Sf Lazar",
      "StreetNumber": "37",
      "HouseNumber": "5A",
      "HouseExtension": "-",
      "Country": "BR"
      },
    "ShippingAddress": null,
    "Articles": null,
    "Card": {
      "HolderName": "John Doe",
      "Number": "Ends with 1111",
      "ExpirationMonth": "02",
      "ExpirationYear": "2019"
      },
    "CreditCardToken": null,
    "Status": {
      "ID": 4,
      "Info": "Failed",
      "Reasons": [
        {
          "Code": 116,
          "Info": "Transaction rejected by fraud provider"
          }
        ]
      },
    "MethodTransactionID": null,
    "PaymentTokenLifetime": null,
    "Capture": false,
    "Retry": false,
    "RedirectURL": null,
    "3DSecure": false,
    "Fraud": {
      "Status": "Reject",
      "CheckMode": "CheckOnPreAuthorisation",
      "Score": 74,
      "Reason": "Transaction hit a velocity or rule threshold"
      },
    "Installments": 3
    }
}

Fraud Check – Payment Challenged

In case the system has detected a possible malicious transaction, that transaction will be challenged by the fraud check provider. There are 2 possible outcomes after running your own processes and procedures for fraud management: you can reject or accept the challenge.

The card payment is initiated and the Fraud Check system detects a possible suspicious behavior or rule. The payment is challenged by the fraud check provider. You can reject or accept the challenge.

Request:

POST https://securetest.smart2pay.com/v1/payments
Authorization: Basic MTAxMDpnYWJp

{
  "Payment": {
    "MerchantTransactionID": "s2ptest_j10",
    "Amount": 100,
    "Currency": "BRL",
    "ReturnURL": "http://demo.smart2pay.com/redirect.php",
    "Description": "test payment",
    "StatementDescriptor": "card payment",
    "BillingAddress": {
      "City": "Iasi",
      "ZipCode": "7000-49",
      "State": "Iasi",
      "Street": "Sf Lazar",
      "StreetNumber": "37",
      "HouseNumber": "5A",
      "HouseExtension": "-",
      "Country": "BR"
    },
    "ShippingAddress": null,
    "Customer": {
      "FirstName":"John",
      "LastName":"Doe",
      "Email": "challenge@challenge.com",
      "SocialSecurityNumber": "00003456789"
    },
    "Card": {
      "HolderName": "John Doe",
      "Number": "4111111111111111",
      "ExpirationMonth": "02",
      "ExpirationYear": "2019",
      "SecurityCode": "312"
    },
    "Installments": 3,
    "Capture": false,
    "Retry": false,
    "GenerateCreditCardToken": false,
    "PaymentTokenLifetime": 100,
    "3DSecure": false,
    "Language": "ro-RO",
    "SkinID": 200
  }
}

Response:

HTTP/1.1 201 Created
Content-Type: application/json; charset=utf-8

{
  "Payment": {
    "ID": 203373,
    "ClientIP": null,
    "SkinID": 200,
    "Created": "20180209082529",
    "MerchantTransactionID": "s2ptest_j10",
    "OriginatorTransactionID": null,
    "Amount": 100,
    "Currency": "BRL",
    "CapturedAmount": "0",
    "ReturnURL": "http://demo.smart2pay.com/redirect.php",
    "Description": "test payment",
    "StatementDescriptor": "card payment",
    "MethodID": 6,
    "MethodOptionID": null,
    "SiteID": 1010,
    "NotificationDateTime": null,
    "Customer": {
      "ID": 298,
      "MerchantCustomerID": null,
      "Email": "challenge@challenge.com",
      "FirstName": "John",
      "LastName": "Doe",
      "Gender": null,
      "SocialSecurityNumber": "00003456789",
      "Phone": null,
      "Company": null
      },
    "BillingAddress": {
      "ID": 9590,
      "City": "Iasi",
      "ZipCode": "7000-49",
      "State": "Iasi",
      "Street": "Sf Lazar",
      "StreetNumber": "37",
      "HouseNumber": "5A",
      "HouseExtension": "-",
      "Country": "BR"
      },
    "ShippingAddress": null,
    "Articles": null,
    "Card": {
      "HolderName": "John Doe",
      "Number": "Ends with 1111",
      "ExpirationMonth": "02",
      "ExpirationYear": "2019"
      },
    "CreditCardToken": null,
    "Status": {
      "ID": 30,
      "Info": "PendingChallengeConfirmation",
      "Reasons": []
      },
    "MethodTransactionID": null,
    "PaymentTokenLifetime": null,
    "Capture": false,
    "Retry": false,
    "RedirectURL": null,
    "3DSecure": false,
    "Fraud": {
      "Status": "Challenge",
      "CheckMode": "CheckOnPreAuthorisation",
      "Score": 55,
      "Reason": "Transaction hit a velocity or rule threshold"
      },
    "Installments": 3
    }
}

Accept the Challenge:

Request:

POST https://securetest.smart2pay.com/v1/payments/203373/challenge/accept
Authorization: Basic MTAxMDpnYWJp

Response:

HTTP/1.1 200 OK
Content-Type: application/json; charset=utf-8

{
  "Payment": {
    "ID": 203373,
    "ClientIP": null,
    "SkinID": null,
    "Created": "20180209082529",
    "MerchantTransactionID": "s2ptest_j10",
    "OriginatorTransactionID": null,
    "Amount": 100,
    "Currency": "BRL",
    "CapturedAmount": "0",
    "ReturnURL": "http://demo.smart2pay.com/redirect.php",
    "Description": "test payment",
    "StatementDescriptor": "card payment",
    "MethodID": 6,
    "MethodOptionID": null,
    "SiteID": 1010,
    "NotificationDateTime": null,
    "Customer": null,
    "BillingAddress": null,
    "ShippingAddress": null,
    "Articles": null,
    "Card": {
      "HolderName": "John Doe",
      "Number": "411111******1111",
      "ExpirationMonth": "2",
      "ExpirationYear": "2019"
      },
    "CreditCardToken": null,
    "Status": {
      "ID": 9,
      "Info": "Authorized",
      "Reasons": []
      },
    "MethodTransactionID": null,
    "PaymentTokenLifetime": null,
    "Capture": false,
    "Retry": false,
    "RedirectURL": null,
    "3DSecure": false,
    "Fraud": {
      "Status": "Challenge",
      "CheckMode": "CheckOnPreAuthorisation",
      "Score": 55,
      "Reason": "Transaction hit a velocity or rule threshold"
      },
    "Installments": 3
    }
}

Reject the Challenge:

Request:

POST https://securetest.smart2pay.com/v1/payments/203374/challenge/reject
Authorization: Basic MTAxMDpnYWJp

Response:

HTTP/1.1 400 Bad Request
Content-Type: application/json; charset=utf-8

{
  "Payment": {
    "ID": 203374,
    "ClientIP": null,
    "SkinID": null,
    "Created": "20180209082726",
    "MerchantTransactionID": "s2ptest_j11",
    "OriginatorTransactionID": null,
    "Amount": 100,
    "Currency": "BRL",
    "CapturedAmount": "0",
    "ReturnURL": "http://demo.smart2pay.com/redirect.php",
    "Description": "test payment",
    "StatementDescriptor": "card payment",
    "MethodID": 6,
    "MethodOptionID": null,
    "SiteID": 1010,
    "NotificationDateTime": null,
    "Customer": {
      "ID": 298,
      "MerchantCustomerID": null,
      "Email": "challenge@challenge.com",
      "FirstName": "John",
      "LastName": "Doe",
      "Gender": null,
      "SocialSecurityNumber": "00003456789",
      "Phone": null,
      "Company": null
      },
    "BillingAddress": {
      "ID": 9590,
      "City": "Iasi",
      "ZipCode": "7000-49",
      "State": "Iasi",
      "Street": "Sf Lazar",
      "StreetNumber": "37",
      "HouseNumber": "5A",
      "HouseExtension": "-",
      "Country": "BR"
      },
    "ShippingAddress": null,
    "Articles": null,
    "Card": {
      "HolderName": "John Doe",
      "Number": "411111******1111",
      "ExpirationMonth": "2",
      "ExpirationYear": "2019"
      },
    "CreditCardToken": null,
    "Status": {
      "ID": 3,
      "Info": "Cancelled",
      "Reasons": [
      {
        "Code": 118,
        "Info": "Transaction rejected by merchant"
        }
      ]
    },
    "MethodTransactionID": null,
    "PaymentTokenLifetime": null,
    "Capture": false,
    "Retry": false,
    "RedirectURL": null,
    "3DSecure": false,
    "Fraud": {
      "Status": "Challenge",
      "CheckMode": "CheckOnPreAuthorisation",
      "Score": 55,
      "Reason": "Transaction hit a velocity or rule threshold"
      },
    "Installments": 3
    }
}