For information about liability shift, see the Cardholder Authentication guide.
For a guide to the Risk Management Service, see The Risk Management Service Guide.
The Payment tab shows you the results of risk checks that were made on transactions. The types of check made depend on the Payment Type and Wallet Type.
Click to jump to the checks specific to American Express or V.me by Visa payments.
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For information about liability shift, see the Cardholder Authentication guide. For a guide to the Risk Management Service, see The Risk Management Service Guide. |
The below checks are made on all cards accepted through the Worldpay Business Manager.
This compares the country of the Customer IP Address against the Card Issuing Country.
A tick [ 
] means that the two countries match
A cross [ 
] means that countries do not match
A question mark [ 
] means that we were unable to identify one or both of the countries
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For Mail Order Telephone Order (MOTO) transactions, the Country IP Matched check is not shown. This is because the computer used for MOTO transactions is always at your location. |
This shows the result of a 3D Secure cardholder authentication check. It is a service provided by Verified by Visa, MasterCard SecureCode for MasterCard and Maestro, and American Express SafeKey.
This service authenticates an existing password (agreed between the cardholder and the card issuer when the service was set up) entered by the customer during the transaction.
A tick [ ] means that the password matches. There is a very good chance that the person who made this transaction is the person who's name is on the card. This also means that, in most cases, you are covered by liability shift in the event of fraud on this transaction. For more information about liability shift, see the Cardholder Authentication Guide.
A cross [ ] means that the password does not match. There is a high risk that this transaction is fraudulent, therefore this transaction is automatically refused.
A question mark [ ] means that we did not get any information about 3D secure on this transaction. We advise you to look at other fraud results and make your decision whether to process this payment or not. To learn more about 3D Secure, see the Cardholder Authentication Guide.
This shows the result of a card verification value check on the card used. The number held by the card issuer is compared with the number entered by the customer.
A tick [ ] means that the number entered by the customer matches.
A cross [ ] means that the number entered by the customer does not match.
A question mark [ ] means that the check was not able to be made. This could be because:
the card issuer does not support the check, or the check is refused by the issuer
the CV2 check was not available due to a system error
the transaction is seen as high risk, and has been stopped by the Risk Management Service before Authorisation.
These results come from the Address Verification Service (AVS) checks. AVS looks at the numbers in the billing address and postcode that is supplied during a transaction, and the card issuer compares these numbers to its records.
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Example: If the address entered was "12 High Street, Town, TT1 1TT", the card issuer looks at the address "12" and the postcode "11" to see if it has the same digits on record for this card. |
A tick [ ] means that the numbers in the address or postcode matched
A cross [ ] means that the numbers in the address or postcode did not match
A question mark [ ] means that the numbers in the address or postcode were not checked. This could be because they were not supplied by the customer, or by you. Also, some countries do not support AVS checks.
If the address and postcode both match, this shows the lowest risk. If the address and postcode both do not match, this shows the highest risk. A cross [ ] does not always mean a high risk however, because sometimes customers enter the wrong information by mistake (like the postcode in the address box), and you can see this when you look at the address details. When it looks like no mistake has been made, this should be investigated more, especially when other risk checks also do not match.
This shows the result of risk checks if you have the Risk Management Service.
If No suspicious activity linked to this card is shown, then this transaction has a low risk of fraud.
If Caution is shown, then this transaction has a moderate risk of fraud. You might want to make more checks on this transaction before you fulfil the order.
If Warning is shown, then this transaction has a high risk of fraud. We strongly recommend that you make more checks on this transaction before you fulfil the order.
The three additional checks below are specific to American Express cards.
This checks that the email address supplied matches the email address stored on American Express records.
A tick [ ] means that the email address supplied matched.
A cross [ ] means that the email address supplied did not match.
A question mark [ ] means that the email address was not able to be checked. This could be because:
there is no email address stored with American Express.
the service is temporarily unavailable.
the Risk Management Service stopped the transaction because it was seen as high risk.
This checks whether or not the phone number supplied matches the phone number stored on American Express records.
A tick [ ] means that the phone number supplied matched the phone number on record.
A cross [ ] means that the phone number supplied did not match the phone number on record.
A question mark [ ] means that the phone number was not able to be checked. This could be because:
there is no phone number stored with American Express.
the service is temporarily unavailable.
no phone number was provided by the shopper (or you) and so it could not be checked.
the Risk Management Service stopped the transaction because it was seen as high risk.
This checks whether or not the cardholder name supplied matches the cardholder name stored on American Express records.
A tick [ ] means that the cardholder name supplied matched the cardholder name on record.
A cross [ ] means that the cardholder name supplied did not match the cardholder name on record.
A question mark [ ] means that the cardholder name was not able to be checked. This could be because:
there is no cardholder name stored with American Express.
the service is temporarily unavailable.
the Risk Management Service stopped the transaction because it was seen as high risk.
This shows you whether or not you are protected from chargebacks relating to fraud, which depends on the cards used to pay through the V.me by Visa Wallet.
Merchant is protected from fraud-related Chargeback - A Visa Europe issued card has been used for this transaction, and is automatically protected from fraud-related chargebacks.
Merchant is NOT protected from fraud-related Chargeback - Either a Visa card issued outside of Europe has been used, or a Mastercard, Maestro or American Express card was used. See the note below for exceptions.
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If you have changed your Risk Management Service settings to force 3D Secure on all cards used, you will be protected from fraud-related chargebacks on all cards. For more information see The Risk Management Service Guide. |
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