Knowledge Base

Overview of Payment Gateway Risk Assessment Reports

When you want to monitor potentially fraudulent payment transactions in the Reseller Control Panel. This article explains risk assessment reports, supported payment gateways, risk alert categories, report configuration, and recommended fraud prevention actions.

When you want to monitor and detect potentially fraudulent payment transactions in the Reseller Control Panel. This article explains how risk assessment reports work, how to enable or disable them, and how to interpret risk alerts.

We have implemented several pioneering fraud detection and prevention mechanisms for some of our Payment Gateway integration modules. This report will help you automatically detect potentially risky transactions that your Customers/Sub-Resellers have performed. This report is sent to your Billing Team on a daily basis, to allow you to identify any fraudulent transactions from any of the following Payment Gateways:

Authorize.Net Credit Card Gateway
PayPal (formerly Verisign) Payflow Pro Credit Card Gateway
PayPal Direct Payment API Gateway

Enabling / Disabling Risk Assessment Report Generation

Login to your Reseller Control Panel.
In the Menu, point to Settings -> Finance & Billing and click General Settings.

You may enable/disable these reports by selecting/deselecting the Turn on the generation of Risk Assessment Reports checkbox in the Global Payment gateway settings section.

By default, We enable generation of Risk Assessment Reports for you and these Reports get daily sent to your Billing Contact Email Address.

We strongly recommend that you enable this report and manually verify the transactions shown therein, by contacting the corresponding Customer or Sub-Reseller. If you find any of these transactions to be suspicious, you should immediately reverse the credit for them, before your Customers/Sub-Resellers use it. If they have already used the credit you may delete their orders or suspend them or follow any process you may deem necessary.

We would also recommend you to reverse any suspicious transactions at the Payment Gateway to avoid charge-backs. Our Risk Engine assigns a Risk Score to transactions based on a vast accumulated database of information and the history of previous transactions. The Risk Report is divided into sections and special attention should be paid to the High Risk section, if it exists.

Example of a Payment Gateway Risk Report

HIGH RISK ALERT LIST - Different Credit Cards used from the Same Machine with Different Card Holder Names

Username	Role	Transaction Id	Amount	Card Holder Name	IP Address	Status	Payment Gateway Name	Date {GMT/UTC}
somebody@domain.com	Reseller	AddFund-R-87-76	INR567.00	a	192.168.0.82	AuthSuccessful	authorize.net	2005-10-25 22:57:49.197707
test@test.com	Reseller	AddFund-R-269-75	INR123.00	test	192.168.0.82	AuthSuccessful	authorize.net	2005-10-25 22:56:30.059662
test@test.com	Customer	AddFund-C-74-74	INR123.00	a	192.168.0.82	AuthSuccessful	authorize.net	2005-11-07 15:59:42.785879
test@test.com	Customer	Payment-C-74-22	INR54.21	a	192.168.0.82	AuthSuccessful	authorize.net	2005-11-07 15:59:42.785879
test@test.com	Customer	Payment-C-74-23	INR54.21	a	192.168.0.82	AuthSuccessful	authorize.net	2005-11-07 15:59:42.785879

HIGH RISK ALERT LIST - Different Credit Cards used from the Same IP Address with Different Card Holder Names

Username	Role	Transaction Id	Amount	Card Holder Name	IP Address	Status	Payment Gateway Name	Date {GMT/UTC}
test@test.com	Reseller	AddFund-R-269-63	INR123.00	test	192.168.0.82	AuthFailed	authorize.net	2005-11-07 15:59:42.785879
test@test.com	Reseller	AddFund-R-269-64	INR123.00	test	192.168.0.82	AuthSuccessful	authorize.net	2005-11-07 15:59:42.785879
somebody@domain.com	Customer	AddFund-C-74-74	INR123.00	a	192.168.0.82	AuthSuccessful	authorize.net	2005-11-07 15:59:42.785879
somebody@domain.com	Customer	Payment-C-74-22	INR54.21	a	192.168.0.82	AuthSuccessful	authorize.net	2005-11-07 15:59:42.785879
somebody@domain.com	Customer	Payment-C-74-23	INR54.21	a	192.168.0.82	AuthSuccessful	authorize.net	2005-11-07 15:59:42.785879

HIGH RISK ALERT LIST - Different Credit Cards used from the Same Email Address with Different Card Holder Names

Username	Role	Transaction Id	Amount	Card Holder Name	IP Address	Status	Payment Gateway Name	Date {GMT/UTC}
test@test.com	Reseller	AddFund-R-269-65	INR123.00	test	192.168.0.82	AuthSuccessful	authorize.net	2005-10-25 19:01:21.878671
test@test.com	Reseller	AddFund-R-269-75	INR123.00	test	192.168.0.82	AuthSuccessful	authorize.net	2005-10-25 22:56:30.059662
test@test.com	Reseller	AddFund-R-269-78	INR123.00	test	192.168.0.82	AuthSuccessful	authorize.net	2005-10-26 20:16:43.838572
test@test.com	Reseller	AddFund-R-269-79	INR123.00	test	192.168.0.82	AuthSuccessful	authorize.net	2005-10-26 20:17:14.089354
test@test.com	Reseller	AddFund-R-269-82	INR123.00	test	192.168.0.82	AuthSuccessful	authorize.net	2005-10-26 21:00:11.752088
test@test.com	Reseller	AddFund-R-269-63	INR123.00	test	192.168.0.82	AuthFailed	authorize.net	2005-11-07 15:59:42.785879
test@test.com	Reseller	AddFund-R-269-64	INR123.00	test	192.168.0.82	AuthSuccessful	authorize.net	2005-11-07 15:59:42.785879

MEDIUM RISK ALERT LIST - Different Credit Cards used from the Same Machine with the Same Card Holder Name

Username	Role	Transaction Id	Amount	Card Holder Name	IP Address	Status	Payment Gateway Name	Date {GMT/UTC}
test@test.com	Reseller	AddFund-R-269-78	INR123.00	test	192.168.0.82	AuthSuccessful	authorize.net	2005-10-26 20:16:43.838572
test@test.com	Reseller	AddFund-R-269-79	INR123.00	test	192.168.0.82	AuthSuccessful	authorize.net	2005-10-26 20:17:14.089354
testing@test.com	Reseller	AddFund-R-269-80	INR123.00	test	192.168.0.82	AuthFailed	authorize.net	2005-10-26 20:22:01.244508
test@test.com	Reseller	AddFund-R-269-82	INR123.00	test	192.168.0.82	AuthSuccessful	authorize.net	2005-10-26 21:00:11.752088
test@test.com	Reseller	AddFund-R-269-65	INR123.00	test	192.168.0.82	AuthSuccessful	authorize.net	2005-10-25 19:01:21.878671
test@test.com	Reseller	AddFund-R-269-63	INR123.00	test	192.168.0.82	AuthFailed	authorize.net	2005-11-07 15:59:42.785879
test@test.com	Reseller	AddFund-R-269-64	INR123.00	test	192.168.0.82	AuthSuccessful	authorize.net	2005-11-07 15:59:42.785879