Fraud checks

Account Verified

When a PayPal payment is processed, PayPal return a result that shows whether the PayPal account holder’s status is verified or unverified.

Verified status means that the account holder has provided certain identity information that has been accepted by PayPal. Unverified status means that the account holder has not provided this information to PayPal, or the information they have provided has not been accepted by PayPal.

The status check is mapped to the CVC check - a verified status provides a CVC match response, and an unverified status provides a CVC check mismatch response.

Address Verified

PayPal provide an address check on the address used for payment. If the address is a confirmed address at PayPal  - in most cases this means the address matches the billing address for their card -  then PayPal return a confirmed response and this is mapped to a address verified response of ’matched’. If PayPal return an unconfirmed response, this is mapped to an AVS response of ’not matched’.

Both AVS and CVC results appear in the Merchant Interface.

Fraud screening checks

Fraud screening results are not available on PayPal transactions because many of the details used to make a payment through PayPal are not released to Worldpay, which means we don't have enough data to make a valid risk score. If you use a Worldpay risk tool, e.g Risk Management Module (RMM) we can make basic risk checks such as velocity and consistency checks. However, PayPal carry out their own risk checks on transactions - for more information see PayPal’s website.