Learn the 13 transactions filters and tools designed specifically for online merchants to identify, manage, and prevent costly fraudulent transactions.
IP and Velocity Filters
Isolate suspicious activity from specific IP addresses, regions, or known fraudsters. Set daily and hourly limits on the number of transactions allowed to process through your account.
- Authorized IP Addresses: Designate specific server IP addresses that are authorized to submit transactions.
- IP Address Blocking: Block transactions from IP addresses known to be used for fraudulent activity.
- IP Shipping Address Mismatch Filter: You can compare the shipping address provided with an order to the IP address of where the order originated to determine whether the order is shipping to the country from which it originated.
- Regional IP Address Filter: Flag orders coming from specific regions or countries. You can choose to customize the filter actions based on an entire geographic area, or select country by country how to process flagged transactions.
- Transaction IP Velocity Filter: Isolate suspicious activity from a single source by identifying excessive transactions received from the same IP address.
Database and shipping filters
Verify shipping addresses and compare the shipping address provided with an order to the IP address of where the order originated.
- Shipping-Billing Mismatch Filter: Identify high-risk transactions with different shipping and billing addresses, potentially indicating purchases made using a stolen credit card.
- Enhanced AVS Handling Filter: The Address Verification Service (AVS) is a standard feature of the payment gateway that compares the address submitted with an order to the address on file with the customer's credit card issuer. You can choose to reject or allow transactions based on the AVS response codes. AFDS includes a new AVS filter that assists the decision process by allowing merchants the additional options of flagging AVS transactions for monitoring purposes or holding them for manual review.
- Enhanced CCV Handling Filter: Like AVS, Card Code Verification (CCV) is a standard feature of the payment gateway. CCV uses a card's three- or four-digit number to validate customer information on file with the credit card association. Like the AVS Filter, the CCV Filter allows you the additional options of flagging CCV transactions for monitoring purposes or holding them for manual review.
- Shipping Address Verification Filter: This verifies that the shipping address received with an order is a valid postal address.
Transaction and limit filters
Automatically identify suspicious transactions using criteria learned of years of experience, while validating customer card information with the card issuer.
- Amount Filter: Set lower and upper transaction amount thresholds to restrict high-risk transactions often used to test the validity of credit card numbers.
- Hourly Velocity Filter: Prevent high-volume attacks common with fraudulent transactions by limiting the total number of transactions received per hour.
- Suspicious Transaction Filter: Reviews highly suspicious transactions using proprietary criteria identified by the Authorize.net Fraud Management Team.
Taking back control
Authorize.net’s Advanced Fraud Detection Suite gives you the control to manage your payments your way. You get to decide what happens when a filter is triggered.
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 five 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 five-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.
Learn more about Advanced Fraud Detection Suite
