Advanced Fraud Tools only apply to credit card and certain Google Pay transactions.
Advanced Fraud Tools help to identify and prevent fraudulent activity before a transaction or verification ever reaches a customer’s bank. With the help of our partner, Kount, we use hundreds of fraud detection tests – ranging from device fingerprinting to proxy piercing – to analyze each transaction or verification within milliseconds.
Our Advanced Fraud Tools offer both standard and custom setups. Kount Standard utilizes rules that we have predetermined, while Kount Custom allows you to directly set your own rules via Kount's back office tools.
Advanced Fraud Tools are not set up on your account by default. If you would like to use this feature, you must enable Advanced Fraud Tools in the Control Panel and update your client-side and server-side implementations.
Advanced Fraud Tools are not always compatible with third-party shopping carts; you’ll need to contact the third party for more details on how their product is integrated with Braintree.
How it works
When you use our Advanced Fraud Tools, we’ll take information about transactions and verifications created via the API and pass it to our partner, Kount. Kount is a third-party provider that specializes in fighting fraud by using customer information – like geolocation and device fingerprinting – as well as industry-specific and cross-industry data. By running these data points through its vast database, Kount is able to build a fraud score for each request – which informs how our gateway treats each transaction.
Compatibility
Advanced Fraud Tools are compatible with all credit card and certain Google Pay transactions.
Google Pay
Google Pay transactions differ by how the customer stores their Google Pay payment methods: in a Google account or to an Android device.
For Google Pay transactions with cards from a customer's Google account, Braintree will send the card information to Kount and apply any risk threshold rules.
For cards added by the user directly to their device, Google will issue a device-specific token that represents the customer's card. This along with a single-use cryptogram will be used to authorize the transaction. These types of transactions will not be passed on to Kount and will not have risk threshold rules applied.
Enabling Advanced Fraud Tools
Whether you're using Kount Standard or Kount Custom, you'll need to enable this feature in the Control Panel at the same time as you update your client-side and server-side code to collect and pass device data. If there is any delay between enabling in the Control Panel and making the code changes, the integration will not work properly.
Just before you update your code:
- Log into the Control Panel
- Navigate to Settings > Processing > Advanced Fraud Tools
- Click the toggle to enable this feature
If you're unsure if your Advanced Fraud Tools are working properly, you can check a transaction by looking at the Fraud Tools Information section on its Transaction Details page in the Control Panel. If the field Device Data Captured reads True, then Advanced Fraud Tools are functioning.
Overriding rejections
When you use Advanced Fraud Tools, transactions will be subject to rejection due to suspected fraud. While you can't whitelist certain payment methods, you can bypass our fraud checks by creating transactions from the Control Panel or passing the skip_advanced_fraud_checking parameter when creating transactions via the API.