Card Velocity Filtering

When a fraudster attempts to determine whether a stolen credit card is valid, they follow the initial successful purchase with a number of additional purchases within a short period of time. This ensures they get the most out of that stolen account before it is locked. If you elect to use the Card Velocity Filter, the system filters the transaction based upon the number of previously approved Auth/Sale transactions plus the number of Auth/Sale transactions declined by another filter, for the same account within a designated time period.

Both the total number of transactions and the time period are configured in your merchant profile. Please speak to your Relationship Manager or Implementation Manager for additional information about setting these parameters.

Upon a decline, the system returns a Response Reason Code of 315 - Restricted Card - Auth Fraud Velocity Filtering Service.