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Fraud Shield

How to enable Fraud Shield.

In this tutorial, we walk you through step-by-step on how to enable Fraud Shield on the Pinwheel platform.

  • The first step to activating Fraud Shield is to email support to enable the service on your account.

  • Once support enables the service, you will see a drop-down menu. In the drop-down menu, you will see two menu items: Fraud Rules and Fraud Analysis.

  • In the Fraud Rules Screen, you will be able to set your desired transaction parameters. There are many options to choose from. In each option, you will have the choice to either Review or Decline a transaction.
    • Review Rules will not stop the transaction from processing, but it will flag the transaction.
      • A flagged transaction can be scrutinized in the analysis window.
      • A flagged transaction will be updated with the advice “Review”
      • At that point, you will have the choice to either refund the transaction or send out goods/services.
    • Decline Rules will prevent the transaction from ever occurring.

  • Here’s an example of a Review Rule. In this case,  we’re looking from the country of origin of the credit card itself (BIN Country). If the credit card comes from any of these countries on the Ofac list, our advice will be updated to review the order.

  • Here’s an example of a Decline Rule for the same filter, country of origin of the credit card.

  • There are many rules that we invite you to explore. We will be posting important rules that all merchants should be aware of in the near future.
  • Now let’s take a look at a Fraud Analysis section of Fraud Shield:
    • By selecting the Fraud Analysis menu item, you will see a list of transactions with icons next to them.
      • The red icon indicates a transaction that has a high potential for risk
      • The yellow icon indicates a medium risk.
      • A green icon indicates low risk.

 

  • Now let’s click on the Analysis button to get a better look at what going on.

 

  • On the top section of the Fraud Analysis page, you will see transaction info. This will give you all your info about the transaction and you can click on the hyperlink to see the transaction in gateway if you need more details or want to refund the transaction.
  • To the right of this section, we have the customer info
  • The large dial below the transaction section displays the Omniscore, which the single most important metric in fraud shield. A score of 1-60 is considered high risk, while a score of 61 to 100 is low risk.
  • Next to the dial, we show  “We Advise” and  “Actual Outcome” of the transaction.
  • In this same section, we have a Device and Persona section
    • In the Device section, we analyze the device that your customer used to purchase the transaction.
    • In the Persona section, we analyze the customer.
  • We’ve also included google maps integration, so you can see where your customer’s billing location is in relation to where the transaction’s IP address is located. The distance from the two data points is highlighted in the bottom right of the screen.

 

  • Finally, at the bottom of the Analysis window, you will find  System Defined Rules vs User-Defined Rules. System rules are put in place by Pinwheel and User-Defined Rules are made by you.