While it is a best practice to configure Basic Fraud Tools to protect your account from some of the more standard forms of payment fraud, more complex fraud schemes require more advanced capabilities. Braintree offers Advanced Fraud Management Tools, encompassing Fraud Protection (designed for small to mid-size businesses) and Kount Custom (for enterprises). Each tool provides a suite of fully integrated fraud prevention and detection checks before a transaction or verification request is processed, which helps catch fraudulent activity before authorization requests ever reach your customers' banks.
When you enable and use either of our Advanced Fraud Management Tools, the Braintree gateway will pass required information about transactions and verifications created via the API to your chosen fraud protection provider for evaluation.
Advanced Fraud Management Tools are not set up on your account by default. If you would like to use this feature, you must enable Fraud Protection or Kount Custom in the Control Panel and update your client-side and server-side implementations.
Fraud Protection is an integrated risk management tool designed by PayPal to provide merchants with the ability to make more accurate decisions in real time on card transactions, for the purpose of reducing false positive rejections and minimizing chargebacks.
Fraud Protection is compatible with all credit and debit cards and the following:
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. For merchants looking for much more enterprise-level flexibility and fine-grained control over their fraud checks, Kount Custom may be the preferred solution. Contact us if you are interested in learning more about Kount Custom.
Kount Custom is compatible with the following payment methods:
Device data collection for Fraud Protection is available only for the following client SDK versions and higher:
- iOS 4.32.0: released on Feb 18, 2020
- Android 3.9.0: released on Feb 20, 2020
- Web 3.58.0: released on Feb 13, 2020
By updating to the latest client SDK versions or at least the minimum versions above, device data will be passed to our Fraud Protection risk models, which in turn will improve fraud decision performance on your transactions.
Whether you're using Fraud Protection or Kount Custom, you will first need to update your client-side and server-side code to collect and pass device data. You may then enable this feature in the Control Panel. If there is any delay between enabling in the Control Panel and making the code changes, the integration will not work properly.
Immediately after you update your code:
- Log into the Control Panel
- Click on the gear icon in the top right corner
- Click Fraud Management from the drop-down menu
- Next to Advanced Fraud Management Tools, make a selection and click the toggle to turn it on
When you use Advanced Fraud Management Tools, transactions will be subject to rejection due to suspected fraud. While you can't allowlist certain payment methods, you can avoid rejections on specific transactions in a couple of different ways:
- If using Kount Custom, you can force Kount to approve your transactions by creating them from the Control Panel. You will also need to create a Kount fraud rule to approve these transactions
- Bypass Advanced Fraud Checking completely by passing the
skip_advanced_fraud_checkingparameter when creating transactions via the API
- If using an Advanced Fraud Management Tool, bypass Advanced Fraud Checking by checking the
skip_advanced_fraud_checkingbox when creating transactions from the Control Panel