PayPal Payflow Pro - 2008 - Fraud Protection Services User's Guide

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Payflow Pro Fraud
Protection Services
Users Guide
For Professional Use Only
Currently only available in English.
A usage Professional Uniquement
Disponible en Anglais uniquement pour l’instant.
Last updated: June 2008
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Summary of Contents

Page 1 - User’s Guide

Payflow Pro Fraud Protection Services User’s GuideFor Professional Use OnlyCurrently only available in English.A usage Professional UniquementDisponib

Page 2

PrefaceCustomer Service10 Fraud Protection Services User’s Guidez Appendix A, “Fraud Filter Reference,” describes the Transaction filters that make up

Page 3

Testing the Transaction Security FiltersInternational IP Address FilterB100 Fraud Protection Services User’s Guide"TRXTYPE=A&ACCT=51051051051

Page 4

Fraud Protection Services User’s Guide 101Testing the Transaction Security FiltersInternational Shipping/Billing Address FilterBExpected Response Mess

Page 5

Testing the Transaction Security FiltersIP Address Match FilterB102 Fraud Protection Services User’s GuideIP Address Match Filter"TRXTYPE=A&A

Page 6

Fraud Protection Services User’s Guide 103Testing the Transaction Security FiltersTotal Item Ceiling FilterBTotal Item Ceiling FilterFirst, set the fi

Page 7

Testing the Transaction Security FiltersTotal Purchase Price Floor FilterB104 Fraud Protection Services User’s GuideExpected Response Messageresp mesg

Page 8

Fraud Protection Services User’s Guide 105Testing the Transaction Security FiltersZIP Risk List Match FilterBZIP Risk List Match FilterPass in the spe

Page 9 - Document Organization

Testing the Transaction Security FiltersZIP Risk List Match FilterB106 Fraud Protection Services User’s Guide

Page 10 - Revision History

Fraud Protection Services User’s Guide 107CTesting Buyer Authentication Transactions Using the Payflow SDKThis chapter describes the process of testin

Page 11 - Overview

Testing Buyer Authentication Transactions Using the Payflow SDKTest Case Descriptions and Account NumbersC108 Fraud Protection Services User’s GuideAc

Page 12

Fraud Protection Services User’s Guide 109Testing Buyer Authentication Transactions Using the Payflow SDKExpected Result Codes for Buyer Authenticatio

Page 13 - Protect You

Fraud Protection Services User’s Guide 111OverviewThis chapter discusses how fraud can affect you the merchant and provides an overview of Fraud Prote

Page 14 - Special Considerations

Testing Buyer Authentication Transactions Using the Payflow SDKBuyer Authentication Testing ProceduresC110 Fraud Protection Services User’s GuideBuyer

Page 15 - Services Filters

Fraud Protection Services User’s Guide 111Testing Buyer Authentication Transactions Using the Payflow SDKBuyer Authentication Testing ProceduresCVerif

Page 16 - Transaction Security Servers

Testing Buyer Authentication Transactions Using the Payflow SDKBuyer Authentication Testing ProceduresC112 Fraud Protection Services User’s Guide1. Co

Page 17 - Observe Mode

Fraud Protection Services User’s Guide 113Testing Buyer Authentication Transactions Using the Payflow SDKBuyer Authentication Testing ProceduresCStep

Page 18

Testing Buyer Authentication Transactions Using the Payflow SDKBuyer Authentication Testing ProceduresC114 Fraud Protection Services User’s GuideExamp

Page 19 - Triggered Filters

Fraud Protection Services User’s Guide 115Testing Buyer Authentication Transactions Using the Payflow SDKBuyer Authentication Testing ProceduresCExamp

Page 20 - ABLE 4.1 Transaction types

Testing Buyer Authentication Transactions Using the Payflow SDKBuyer Authentication Testing ProceduresC116 Fraud Protection Services User’s Guide

Page 21

Fraud Protection Services User’s Guide 117DDeactivating Fraud Protection ServicesThis appendix describes the process of deactivating Fraud Protection

Page 22 - Rejecting Transactions

Deactivating Fraud Protection ServicesD118 Fraud Protection Services User’s Guide

Page 23

Fraud Protection Services User’s Guide 119IndexIndexAAccepted transactions 20Account Number Velocity Filter 86Active mode 15APIsdocumentation 49downlo

Page 24

OverviewReducing the Cost of Fraud112 Fraud Protection Services User’s Guide

Page 25 - Buyer Authentication Service

Index120 Fraud Protection Services User’s GuideHhacking 13High-risk Address Filters 86High-risk Payment Filters 81Iinstant fulfillment 14IP Address Ma

Page 26

Fraud Protection Services User’s Guide 121IndexZZIP Risk List Match Filter 87

Page 27

Index122 Fraud Protection Services User’s Guide

Page 28

Fraud Protection Services User’s Guide 132How Fraud Protection Services Protect YouThis chapter describes the security tools that make up the Fraud Pr

Page 29

How Fraud Protection Services Protect YouSpecial Considerations214 Fraud Protection Services User’s GuideExample FilterThe Total Purchase Price Ceilin

Page 30

Fraud Protection Services User’s Guide 153Configuring the Fraud Protection Services FiltersThis chapter describes how to configure the Fraud Filters f

Page 31 - Transactions Using the SDK

Configuring the Fraud Protection Services FiltersPhase 1: Run Test Transactions Against Filter Settings on Test Transaction Security Servers316 Fraud

Page 32

Fraud Protection Services User’s Guide 17Configuring the Fraud Protection Services FiltersPhase 2: Run Live Transactions on Live Transaction Servers i

Page 33

Configuring the Fraud Protection Services FiltersPhase 3: Run All Transactions Through the Live Transaction Security Servers Using Active Mode318 Frau

Page 34 - Enrollment

Payflow Link Fraud Protection Services User’s Guide 194Assessing Transactions that Triggered FiltersAs part of the task of minimizing the risk of frau

Page 35 - Redirect

Payflow Pro Fraud Protection Services User’s GuideDocument Number: 200011.en_US-200806© 2008 PayPal, Inc. All rights reserved. PayPal is a registered

Page 36 - Authentication

Assessing Transactions that Triggered FiltersReviewing Suspicious Transactions420 Payflow Link Fraud Protection Services User’s GuideFIGURE 4.1 Fraud

Page 37 - (Standard values:)

Payflow Link Fraud Protection Services User’s Guide 21Assessing Transactions that Triggered FiltersReviewing Suspicious Transactions4NOTE: If filters

Page 38

Assessing Transactions that Triggered FiltersFine-tuning Filter Settings—Using the Filter Scorecard422 Payflow Link Fraud Protection Services User’s G

Page 39

Payflow Link Fraud Protection Services User’s Guide 23Assessing Transactions that Triggered FiltersFine-tuning Filter Settings—Using the Filter Scorec

Page 40 - Transaction Parameters

Assessing Transactions that Triggered FiltersRe-running Transactions That Were Not Screened424 Payflow Link Fraud Protection Services User’s Guide31,

Page 41 - RESPMSG Values” on page 68

Fraud Protection Services User’s Guide 255Activating and Configuring the Buyer Authentication ServiceThis chapter describes how to enroll, configure,

Page 42

Activating and Configuring the Buyer Authentication ServiceConfiguring Buyer Authentication526 Fraud Protection Services User’s GuideIMPORTANT:Full AP

Page 43

Fraud Protection Services User’s Guide 27Activating and Configuring the Buyer Authentication ServiceConfiguring Buyer Authentication5Generate Transact

Page 44

Activating and Configuring the Buyer Authentication ServiceTesting and Activating the Service528 Fraud Protection Services User’s Guide5. When the cus

Page 45 - ECI Values

Fraud Protection Services User’s Guide 29Activating and Configuring the Buyer Authentication ServiceTesting and Activating the Service5Failure messagi

Page 46

3ContentPreface . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9Intended Audience . . . .

Page 47

Activating and Configuring the Buyer Authentication ServiceTesting and Activating the Service530 Fraud Protection Services User’s GuideConsumer Messag

Page 48

Fraud Protection Services User’s Guide 316Performing Buyer Authentication Transactions Using the SDKThis chapter describes the process of performing

Page 49 - Screening Transactions Using

Performing Buyer Authentication Transactions Using the SDKBuyer Authentication Terminology632 Fraud Protection Services User’s Guideissuing bank authe

Page 50

Fraud Protection Services User’s Guide 33Performing Buyer Authentication Transactions Using the SDKBuyer Authentication Server URLs6Buyer Authenticati

Page 51 - Payflow Parameters

Performing Buyer Authentication Transactions Using the SDKDetailed Buyer Authentication Transaction Flow634 Fraud Protection Services User’s GuideCall

Page 52 - Payflow server

Fraud Protection Services User’s Guide 35Performing Buyer Authentication Transactions Using the SDKDetailed Buyer Authentication Transaction Flow6Exam

Page 53

Performing Buyer Authentication Transactions Using the SDKDetailed Buyer Authentication Transaction Flow636 Fraud Protection Services User’s Guide<

Page 54 - Order Information

Fraud Protection Services User’s Guide 37Performing Buyer Authentication Transactions Using the SDKExample Buyer Authentication Transactions6the stand

Page 55

Performing Buyer Authentication Transactions Using the SDKExample Buyer Authentication Transactions638 Fraud Protection Services User’s GuideExample V

Page 56

Fraud Protection Services User’s Guide 39Performing Buyer Authentication Transactions Using the SDKExample Buyer Authentication Transactions6Example V

Page 57

Content4Acting on Transactions that Triggered Filters . . . . . . . . . . . . . . . . . . . . . . 22Rejecting Transactions .

Page 58

Performing Buyer Authentication Transactions Using the SDKBuyer Authentication Transaction Parameters and Return Values640 Fraud Protection Services U

Page 59

Fraud Protection Services User’s Guide 41Performing Buyer Authentication Transactions Using the SDKBuyer Authentication Transaction Parameters and Ret

Page 60

Performing Buyer Authentication Transactions Using the SDKBuyer Authentication Transaction Parameters and Return Values642 Fraud Protection Services U

Page 61

Fraud Protection Services User’s Guide 43Performing Buyer Authentication Transactions Using the SDKBuyer Authentication Transaction Parameters and Ret

Page 62

Performing Buyer Authentication Transactions Using the SDKBuyer Authentication Transaction Parameters and Return Values644 Fraud Protection Services U

Page 63

Fraud Protection Services User’s Guide 45Performing Buyer Authentication Transactions Using the SDKECI Values6ECI ValuesTABLE 6.8 ECI valuesDescriptio

Page 64

Performing Buyer Authentication Transactions Using the SDKECI Values646 Fraud Protection Services User’s GuideRESULT Values for Transaction Declines o

Page 65 - Transaction Requests

Fraud Protection Services User’s Guide 47Performing Buyer Authentication Transactions Using the SDKLogging Transaction Information6Logging Transaction

Page 66

Performing Buyer Authentication Transactions Using the SDKLogging Transaction Information648 Fraud Protection Services User’s Guide

Page 67 - PNREF Value

Fraud Protection Services User’s Guide 497Screening Transactions Using the Payflow SDKThis chapter describes the process of using the Payflow SDK to p

Page 68

5ContentLogging Transaction Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47Audit Trail and

Page 69

Screening Transactions Using the Payflow SDKTransaction Data Required by Filters750 Fraud Protection Services User’s GuideTABLE 7.1 Parameters require

Page 70

Fraud Protection Services User’s Guide 51Screening Transactions Using the Payflow SDKTransaction Data Required by Filters7Geo-location Failure Custome

Page 71

Screening Transactions Using the Payflow SDKTransaction Parameters Unique to the Filters752 Fraud Protection Services User’s GuideTransaction Paramete

Page 72

Fraud Protection Services User’s Guide 53Screening Transactions Using the Payflow SDKExisting Payflow Parameters Used by the Filters7Existing Payflow

Page 73

Screening Transactions Using the Payflow SDKResponse Strings for Transactions that Trigger Filters754 Fraud Protection Services User’s GuideShipping I

Page 74

Fraud Protection Services User’s Guide 55Screening Transactions Using the Payflow SDKResponse Strings for Transactions that Trigger Filters7z VERBOSIT

Page 75

Screening Transactions Using the Payflow SDKResponse Strings for Transactions that Trigger Filters756 Fraud Protection Services User’s GuideTRANSSTATE

Page 76

Fraud Protection Services User’s Guide 57Screening Transactions Using the Payflow SDKResponse Strings for Transactions that Trigger Filters7NOTE: If y

Page 77 - Fraud Filter Reference

Screening Transactions Using the Payflow SDKResponse Strings for Transactions that Trigger Filters758 Fraud Protection Services User’s GuideChanging t

Page 78 - About the Fraud Risk Lists

Fraud Protection Services User’s Guide 59Screening Transactions Using the Payflow SDKResponse Strings for Transactions that Trigger Filters7ption>T

Page 79 - Unusual Order Filters

Content6Product Watch List Filter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 81High-risk Payme

Page 80

Screening Transactions Using the Payflow SDKResponse Strings for Transactions that Trigger Filters760 Fraud Protection Services User’s Guideis from: C

Page 81 - High-risk Payment Filters

Fraud Protection Services User’s Guide 61Screening Transactions Using the Payflow SDKResponse Strings for Transactions that Trigger Filters7RESULT=126

Page 82

Screening Transactions Using the Payflow SDKAccepting or Rejecting Transactions That Trigger Filters762 Fraud Protection Services User’s Guidenum=&quo

Page 83

Fraud Protection Services User’s Guide 63Screening Transactions Using the Payflow SDKLogging Transaction Information7NOTE: This record is not the offi

Page 84

Screening Transactions Using the Payflow SDKLogging Transaction Information764 Fraud Protection Services User’s Guide

Page 85

Fraud Protection Services User’s Guide 658Responses to Credit Card Transaction RequestsThis chapter describes the contents of a response to a credit c

Page 86 - High-risk Address Filters

Responses to Credit Card Transaction RequestsContents of a Response to a Credit Card Transaction Request866 Fraud Protection Services User’s GuideCont

Page 87

Fraud Protection Services User’s Guide 67Responses to Credit Card Transaction RequestsPNREF Value8PNREF ValueThe PNREF is a unique transaction identif

Page 88

Responses to Credit Card Transaction RequestsRESULT Codes and RESPMSG Values868 Fraud Protection Services User’s GuideRESULT Codes and RESPMSG ValuesR

Page 89 - Geo-location Failure Filter

Fraud Protection Services User’s Guide 69Responses to Credit Card Transaction RequestsRESULT Codes and RESPMSG Values85 Invalid merchant information.

Page 90 - High-risk Customer Filters

7ContentIP Address Match Filter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .102Shipping/B

Page 91 - International Order Filters

Responses to Credit Card Transaction RequestsRESULT Codes and RESPMSG Values870 Fraud Protection Services User’s Guide31 Error in adding the recurring

Page 92 - International AVS Filter

Fraud Protection Services User’s Guide 71Responses to Credit Card Transaction RequestsRESULT Codes and RESPMSG Values8113 Merchant sale total will exc

Page 93 - Accept Filters

Responses to Credit Card Transaction RequestsRESULT Codes and RESPMSG Values872 Fraud Protection Services User’s Guide133 Data mismatch in HTTP retry

Page 94 - Custom Filters

Fraud Protection Services User’s Guide 73Responses to Credit Card Transaction RequestsRESULT Codes and RESPMSG Values8RESULT Values for Communications

Page 95 - Good and Bad Lists

Responses to Credit Card Transaction RequestsRESULT Codes and RESPMSG Values874 Fraud Protection Services User’s GuideTABLE 8.3 RESULT values for comm

Page 96 - BIN Risk List Match Filter

Fraud Protection Services User’s Guide 75Responses to Credit Card Transaction RequestsRESULT Codes and RESPMSG Values8- 41 Required Request ID not fou

Page 97

Responses to Credit Card Transaction RequestsRESULT Codes and RESPMSG Values876 Fraud Protection Services User’s Guide

Page 98

Fraud Protection Services User’s Guide 77AFraud Filter Reference This appendix describes the filters that make up part of the Fraud Protection Service

Page 99

Fraud Filter ReferenceAbout the Fraud Risk ListsA78 Fraud Protection Services User’s Guidez “Freight Forwarder Risk List Match Filter” on page 87z “IP

Page 100

Fraud Protection Services User’s Guide 79Fraud Filter ReferenceUnusual Order FiltersAFilters Applied After ProcessingMost filters are applied to the t

Page 101

Content8

Page 102 - IP Address Match Filter

Fraud Filter ReferenceUnusual Order FiltersA80 Fraud Protection Services User’s GuideTotal Item Ceiling FilterWhat does the filter do?This filter comp

Page 103 - Total Item Ceiling Filter

Fraud Protection Services User’s Guide 81Fraud Filter ReferenceHigh-risk Payment FiltersAis using a stolen identity to complete a purchase (and having

Page 104

Fraud Filter ReferenceHigh-risk Payment FiltersA82 Fraud Protection Services User’s GuideIf AVS information is not submitted with the transaction, the

Page 105 - ZIP Risk List Match Filter

Fraud Protection Services User’s Guide 83Fraud Filter ReferenceHigh-risk Payment FiltersAHow does the filter protect me?Buyers who can provide the str

Page 106

Fraud Filter ReferenceHigh-risk Payment FiltersA84 Fraud Protection Services User’s GuideCard Security Code Failure Filter ActionThe specified action

Page 107 - Testing Buyer Authentication

Fraud Protection Services User’s Guide 85Fraud Filter ReferenceHigh-risk Payment FiltersABuyer Authentication returns one of the following responses i

Page 108 - Test Cases

Fraud Filter ReferenceHigh-risk Address FiltersA86 Fraud Protection Services User’s GuideBIN Risk List Match FilterWhat does the filter do?The Bank Id

Page 109

Fraud Protection Services User’s Guide 87Fraud Filter ReferenceHigh-risk Address FiltersAZIP Risk List Match FilterWhat does the filter do?This filter

Page 110

Fraud Filter ReferenceHigh-risk Address FiltersA88 Fraud Protection Services User’s GuideThe specified action is taken whenever the address cannot be

Page 111 - Example Return Values

Fraud Protection Services User’s Guide 89Fraud Filter ReferenceHigh-risk Address FiltersANOTE: Fraudsters most often use free services at which they d

Page 112

Fraud Protection Services User’s Guide 9PrefaceThis document describes Fraud Protection Services and explains how you can use the Payflow SDK to perfo

Page 113 - Procedure

Fraud Filter ReferenceHigh-risk Customer FiltersA90 Fraud Protection Services User’s GuideAll three elements should match one realistic customer profi

Page 114

Fraud Protection Services User’s Guide 91Fraud Filter ReferenceInternational Order FiltersANOTE: Unlike the Risk lists managed by PayPal, you, solely,

Page 115

Fraud Filter ReferenceInternational Order FiltersA92 Fraud Protection Services User’s GuideStates of America, America, and so on) in the country field

Page 116

Fraud Protection Services User’s Guide 93Fraud Filter ReferenceAccept FiltersASpecial Requirementsz You must use Payflow Pro client version 3.06 or ne

Page 117

Fraud Filter ReferenceCustom FiltersA94 Fraud Protection Services User’s GuideIMPORTANT:The Good Lists do not authenticate individuals. If a fraudster

Page 118

Fraud Protection Services User’s Guide 95BTesting the Transaction Security FiltersEach example transaction shown in this chapter is designed to test t

Page 119

Testing the Transaction Security FiltersAVS Failure FilterB96 Fraud Protection Services User’s GuideAVS Failure Filter"TRXTYPE=A&ACCT=5105105

Page 120

Fraud Protection Services User’s Guide 97Testing the Transaction Security FiltersCountry Risk List Match FilterB "TRXTYPE=A&ACCT=461025100001

Page 121 - ZIP Risk List Match Filter 87

Testing the Transaction Security FiltersEmail Service Provider Risk List Match FilterB98 Fraud Protection Services User’s GuideEmail Service Provider

Page 122

Fraud Protection Services User’s Guide 99Testing the Transaction Security FiltersGeo-location Failure FilterBExpected Response Messageresp mesg=RESULT

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