This topic is fully described in the Risk Management Service guide; please refer to it for further details.
The Risk Management service monitors each transaction and provides automated alerts indicating transactions with elevated risk. This helps you to make a more informed decision on whether or not to ship goods.
The automated alerts are sent to you via the methods listed below:
The transaction confirmation email
A risk result, shown in the financial statements in the Merchant Administration Interface. For more information, please refer to What the Risk Management Service results mean
Our Payment Notifications (Callbacks) service, which sends information about each transaction back to your server when the transaction is complete
The results of the other automated tools, such as AVS/CVV and authentication, are also fed into the Risk Management service.
You can make the Risk Management service more effective by tailoring its fraud checking. You may create extra blocking filters (or 'blocks'), to detect and block various shopper details, based on your previous experience. For example, your added filters could detect - and block - orders from known fraudulent shopper names, or various ranges of email and IP addresses.
Please refer to Screening for further details, and contact us if you want to apply country blocks.
If no risk result is shown on a transaction, this indicates that no alert was issued from the Risk Management service for that transaction.
However, this does not necessarily guarantee that it is a good transaction, standard cautionary measures should also be taken before shipping. For more information, see Checks to Make and Procedures to Adopt.
Generally we pass on indications of risk to you so that you may make further investigations. However, we may very occasionally block transactions where specific risk criteria have been identified.
Blocked transactions will be reported as 'Refused' in the Merchant Interface, as shown in the following table:
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Blocked transaction |
Description |
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Refused (Merchant) |
This transaction has not been processed, as it matches the criteria that you have specified to decline. The shopper is advised to contact you for further information. |
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Refused (WorldPay) |
This transaction has not been processed, as it matches target criteria specified in WorldPay anti-fraud systems. The shopper is advised to contact you for further information. |
If a transaction is declined, the shopper will be presented with the following message.
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Return to Pay Page We are unable to process the transaction at this time. Check you have entered the correct details or retry with another card. Alternatively, contact the merchant to arrange an alternative means of payment. |
The option to retry with another card allows legitimate shoppers to consider their options.
All refused transactions will continue to be reported in the Merchant Interface and the shopper will be advised, whilst trying to pay, that the transaction was ‘not authorised’.
This section is only relevant if you have a number of Merchant Ids within an Administration Id.
Generally, when you set a block with the Risk Management service, the scope of the block will be at the Administration Id level, that is, it will apply to all of your Merchant Ids within your Administration Id.
Please contact us if you want to be able to specify blocks that are specific to particular Merchant Ids.
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