Available Risk Rules
The following section lists all the risk rules available in the IXOPAY platform.
General Checks
Total count of Transactions of [Connector, Merchant] in [last x hours, last x days] [< >] [x]
Threshold check for the total count of Transactions
- for a defined period (hours/ days)
- for a defined reference source (Connector or Merchant of the current Transaction)
Total amount for [Connector, Merchant] in [last x hours, last x days] [< >] [x]
Threshold check for the total volume of Transactions
- for a defined period (hours/ days)
- for a defined reference source (Connector or Merchant of the current Transaction)
- volume is defined by preauthorize & debit Transactions amounts
Total Transaction amount of this customer for [Connector, Merchant] in [last x hours] [< >] [x]
Threshold check for the total volume of Transactions of the same customer
- for a defined period (hours/ days)
- for a defined reference source (Connector or Merchant of the current Transaction)
- customer is defined by Identification and email address
- volume is defined by preauthorize & debit Transactions amounts
Total count of Transaction of this customer for [Connector, Merchant] in [last x hours] [< >] [x]
Threshold check for the total count of Transactions of the same customer
- for a defined period (hours/ days)
- for a defined reference source (Connector or Merchant of the current Transaction)
- customer is defined by Identification and email address
Count of Transactions of same device (browser fingerprint) of [Connector, Merchant] in last [x] hours [< >] [x].
Threshold check for the count of Transactions performed on the same device
- for a defined period (hours/ days)
- for a defined reference source (Connector or Merchant of the current Transaction)
- device is defined by the fingerprint generated through the payment page or payment.js
Total amount of same device (browser fingerprint) of [Connector, Merchant] in last [x] hours [< >] [x]
Threshold check for the total Transaction volume performed on the same device
- for a defined period (hours/ days)
- for a defined reference source (Connector or Merchant of the current Transaction)
- device is defined by the fingerprint generated through the payment page or payment.js
- volume is defined by preauthorize & debit Transactions amounts
Checks for a specific transaction indicator
Checks whether the transaction has been flagged withRegister
Optionally Register transactions can be considered as well
Count of different countries based on [billing address, shipping address, ip address] of [Connector, Merchant] in [last x hours] [< >] [x]
Compares the count of different country values used within all Transactions
- for a defined period (hours/ days)
- for a defined reference source (Connector or Merchant of the current Transaction)
Difference of this Transaction amount vs. average Transaction amount of [Connector, Merchant] in [last x hours] [< >] [x %]
Evaluates the difference of the average Transaction amount of the sliding window versus the current Transaction amount
- for a defined period (hours/ days)
- for a defined reference source (Connector or Merchant of the current Transaction)
Difference of average Transaction amount of [Connector, Merchant] in [last x hours] vs. average Transaction amount of [Connector, Merchant] in [last y hours] [< >] [x %]
Evaluates the difference of the average Transaction amount of the two sliding windows
- for a defined period (hours/ days)
- for a defined reference source (Connector or Merchant of the current Transaction)
Difference of Transaction count of [Connector, Merchant] in [last x hours] vs. Transaction count of [Connector, Merchant] in [last y hours] [< >] [x %]
Evaluates the difference of the count of Transactions of the two sliding windows (up to now)
- for a defined period (hours/ days)
- for a defined reference source (Connector or Merchant of the current Transaction)
Count of different payment methods (over all customers) at [Connector, Merchant] in [last x hours] [< >] [x]
Threshold check for the total count of all payment instruments on the given reference source (Connector, Merchant)
- payment instrument is a particular card, IBAN or wallet
Is anything on Blocklist.
Evaluates all available (and chosen) Transaction/ customer values against the Blocklist
Is anything on Allowlist.
Evaluates all available (and chosen) Transaction/ customer values against the Allowlist
This Transaction amount is [<>=] [x]
Evaluates the current Transaction amount (limit check)
Total amount of customer country based on [ip country, billing country, shipping country] of [Connector, Merchant] in last [x] [hours, days] [<>] [x] [currency]
Threshold check for the total Transaction volume of all Transactions made from customers in the chosen country
- for a defined period (hours/ days)
Count of Transactions using same payment instrument
Threshold check for the total count of Transactions with the same payment instrument
- for a defined period (hours/ days)
- for a defined reference source (Connector or Merchant of the current Transaction)
- payment instrument is a particular card, IBAN or wallet
Customer Checks
Total transaction amount of this customer for [connector, merchant] in [last x hours] [< >] [x]
Total count of transaction of this customer for [connector, merchant] in [last x hours] [< >] [x]
Country of [type x] is [in/ not in] [list of countries] of [only successful, all] Transactions of [Connector, Merchant] in [last x hours] - but pass the first [x] Transactions
Velocity check to allow only a certain count of Transaction from a particular country within the chosen time period
Count of customers (email or customerIdentification) with same Credit Card (Credit Card fingerprint) of [Connector, Merchant] in last [x] hours [< >] [x]
Threshold check for the count of customers using the same card
- for a defined period (hours/ days)
- for a defined reference source (Connector or Merchant of the current Transaction)
- customer is defined by Identification and email address
Count of Customers (email or customerIdentification) of same device (browser fingerprint) of [Connector, Merchant] in last [x] hours [< >] [x] of [all, only successful] Transactions
Threshold check for the count of different customers performed Transaction on the same device
- for a defined period (hours/ days)
- for a defined reference source (Connector or Merchant of the current Transaction)
- device is defined by the fingerprint generated through the payment page or payment.js
- customer is defined by Identification and email address
Count of customers (email or customerIdentification) with same IBAN of [Connector, Merchant] in last [x] hours [< >] [x]
Threshold check for the count of customers using the same IBAN
- for a defined period (hours/ days)
- for a defined reference source (Connector or Merchant of the current Transaction)
- customer is defined by Identification and email address
Customer Data Analysis Check
Compares the chosen customer data values against the defined values
Comparison with equals, not equals, contains, not contains
Customer's IP address is [in, not in] [ip address range in CIDR notation]
Checks if the customer's IP address is within the defined range
Customer's IP address country is [in, not in] [list of countries]
Checks if the customer's IP address belongs to the chosen countries
Count of different payment methods of customer at [Connector, Merchant] in [last x hours] [< >] [x]
Threshold check for the different payment instruments used by a customer
- customer is defined by Identification and email address
- payment instrument is a particular card, IBAN or wallet
Customer's [ip address, shipping address, billing address] country [= !=] [ip address, shipping address, billing address] country
Checks if two defined country values match or not
Total amount of customer country based on [ip country, billing country, shipping country] of [connector, merchant] in last [x] [hours, days] [<>] [x] [currency]
Checks for a specific transaction indicator and additionally checks whether a reference scheme transaction ID is given
IP Address Checks
See Customer Checks.
Credit Card Checks
The Credit card checks do not take into account tokens (ApplePay, GooglePay, Network Tokens) created for credit cards. This can lead to over- or undercounting of specific payment instrument counts.
BIN level of Credit Card is [in, not in] [list of levels]
Checks the level of the used card (Standard, Gold, Business etc.)
BIN segment of Credit Card is [in, not in] [list of segments]
Checks the segment of the used card (Consumer, Business, Commercial, Government or Unknown)
Check first 6 digits and last 4 digits of Credit Card number
Checks the currently used card against the defined card number (first 6 and last 4 digits)
Count of Transactions of [Connector, Merchant] where same first 6 digits (and opt. last 4 digits) are used in last x hours
Velocity check to evaluate the number of Transaction performed with the same Credit Card
Count of different Credit Cards (Credit Card fingerprint) of same device (browser fingerprint) of [Connector, Merchant] in last [x] hours [< >] [x].
Threshold check for the count of different cards used by the same device
- for a defined period (hours/ days)
- for a defined reference source (Connector or Merchant of the current Transaction)
- device is defined by the fingerprint generated through the payment page or payment.js
Credit Card matches defined BIN range and total count of Transaction of the defined BIN range for [Connector, Merchant] in [last x hours] [< >] [x].
Velocity check to evaluate the number of Transactions performed with cards originating in the chosen BIN Range
- for a defined period (hours/ days)
- for a defined reference source (Connector or Merchant of the current Transaction)
Credit Card [is, is not] prepaid
Checks if the current credit card is a prepaid card or not.
Credit Card [is, is not] reloadable
Checks if the current credit card is a reloadable card or not.
BIN brand of Credit Card is [in, not in] [list of brands]
Checks the brand of the used card (Visa, Mastercard, Amex, etc.)
BIN country of Credit Card is [in, not in] [list of countries]
Checks if the issuing country of the used card is within the chosen list of countries
BIN type of Credit Card is [in, not in] [list of types]
Checks the type of the used card (Debit, Credit)
IBAN Checks
See Customer Checks.
External Risk Checks
Use Kount Risk Check Analysis. (External Risk Check)
Integrates Kount as external Risk Check service
Use Notolytix Risk Check Analysis. (External Risk Check)
Integrates Notolytix as external Risk Check service
Use Maxmind Risk Check Analysis. (External Risk Check)
Integrates Maxmind as external Risk Check service
Use Forter Risk Check Analysis. (External Risk Check)
Integrates Forter as external Risk Check service
Use FraudNet Risk Check Analysis. (External Risk Check)
Integrates FraudNet as external Risk Check service
Other Checks
Triggers randomly by the configured chance (e.g. to generate random samples)
Checks the passed extra data against the configured values
Count of [A] with same [B] of [Connector, Merchant] in last [x] hours [< >] [x] of [all, only successful] Transactions
Threshold check for the number of Transactions performed with different Credit Cards from different IP addresses.
- for a defined period (hours/ days)
- for a defined reference source (Connector or Merchant of the current Transaction)
Total Chargeback [count, volume] for [Connector, Merchant] in [last x hours, last x days] [< >] [x]
Threshold check for the volume of Chargebacks used by a customer
- customer is defined by Identification and email address
- payment instrument is a particular card, IBAN or wallet
Last Transaction (debit & preauth) of [Connector, Merchant] [is, is not] longer ago then [x days]
Triggers if the last Transaction of the chosen reference source is longer ago then the defined days
Transaction [is, is not] first Transaction on [Connector, Merchant]
Triggers if the current Transaction is the first one on the chosen reference source (Connector, Merchant)
Includes another defined Risk Profile