Transaction Risk

We provide the ability to perform a transaction fraud risk assessment with one of the risk providers we support before or after submitting a card payment request to the card network. This allows our clients to reduce chargebacks and losses resulting from payment fraud.

The Agent may send a request to this endpoint with the necessary information about the transaction, including the cardholder's name, card number, expiration date, and transaction amount. The endpoint then uses this information to perform a fraud check with the specified transaction risk provider. These checks may include checking the cardholder's authenticity and credit score, checking for suspicious activity on the card, and comparing the transaction information against a database of known fraudulent transactions.

Once the fraud checks are completed, the endpoint returns a response that indicates the level of risk of that particular transaction. A higher score indicates a higher likelihood of fraud. If the transaction is flagged as high-risk, additional steps may be taken to verify the cardholder's identity, such as 3DS authentication, or cancel the transaction. The risk assessment is just a recommendation, and the Agent retains control over how to proceed with the authorization request based on their business logic.

This endpoint also allows for the dynamic selection of fraud providers based on the specific needs of the transaction. For example, a provider with specialized fraud detection capabilities may be selected if a transaction occurs in a high-risk location. This allows for a more tailored and effective fraud detection process.

Overall, the transaction risk endpoint is an essential tool for protecting card transactions from fraud. Its ability to select and orchestrate multiple fraud providers ensures a comprehensive and effective fraud detection process.

For certain risk providers, an update call is made post-transaction to provide feedback to the risk provider on the outcome of the authentication and authorization process. Silverflow is currently performing this call on behalf of the agent.

Perform a Risk Assessment for a Given Provider

This endpoint is used for a risk assessment outside the transaction flow. It returns a risk assessment and a response from the given provider.

As part of the response of the risk endpoint, the following object containing two key fields is returned.

score: This field represents the risk score associated with the assessed entity or action. The score typically ranges from 0 to 1, where 0 indicates minimal or no risk, and 1 means maximum risk.
recommendation: This field provides a recommendation or guidance based on the calculated risk score. It suggests an appropriate action or decision responding to the assessed risk level. In this case, the recommendation is "green," which commonly signifies a low or acceptable risk level, often indicating that no further action or intervention is required. The use of color-coded recommendations such as "green," "amber," and "red" helps quickly communicate risk levels.