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Transaction Fraud Score and the DalPay Risk Meter

All transactions* are scrubbed by our anti-fraud tools with aspects of the order anonymously compared across one or more world-wide anti-fraud networks, as well as against our internal fraud-loss database.

The result is a fraud score (0-10) where 0 is low risk and 10 is almost certainly a fraudulently placed order.

The Fraud Score, as displayed on the DalPay Risk Meter:

DalPay Risk Meter showing fraud score | Internet merchant accounts

The DalPay Automated Anti-fraud Inspection (AAI) system blocks those orders above the Fraud Score threshold set in the pageID settings for that website/currency prior to authorization.

This scrubbing and blocking dramatically reduces fraudulent orders, has few false positives, and along with secondary screening is a powerful tool against fraud, being useful in helping you - the merchant - to reduce fraudulent chargebacks.

*minFraud fraud scrubbing is provided as standard for sponsored merchants and DalPay Retail suppliers, and as an optional value-added service for DalPay Direct merchants for which a wider variety of fraud scrubbing providers is also available.

When to Delay Fulfilment and/or Perform Secondary Screening

Any transaction scoring 2.50 or above should be subjected to greater scrutiny, and depending on the type of product/service, the potential loss, and your sales history with that specific customer, secondary screening might be appropriate prior to delivery of the product or service.

(We also recommend in the case of delivery of tangible products, when an order is from a new customer, that you wait 24 hours from placement of the order before shipping regardless of the fraud score. This is to allow time for any urgent post-scrubbing updates from our anti-fraud networks.)

It is important to click through to verify all of the underlying metrics of the fraud scrubbing highlighted by the Fraud Score. This is done by clicking on the Fraud Score field (i.e. the fraud score number itself) from the Transaction Overview list, or the Transaction Details screens within the Merchant Menu.

For example, if the Carder Email attribute is Yes, or the Open Proxy Score is greater than 1.00, then you should not fulfill the transaction, and put in a refund request immediately by clicking on the Refund Transaction button.

The reason being that orders with these attributes indicate strongly that a stolen credit card, not yet reported as stolen, has been used.

Another risk factor to be very aware of is if the country of the Bank Identification Number does not match the country of the billing address. This means that the card being used was issued in one country, but the person placing the order has chosen a different country for the billing address.

We also recommend that for any order valued above USD 300/GBP 200/EUR 200 you perform secondary screening regardless of the Fraud Score. This is recommended even for customers with an established order history, in order to help protect against chargebacks.

Apply for an Internet merchant account today.

Last Updated: April 14th, 2010.