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.
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.
Advanced Fraud Tools are compatible with the following payment methods:
- All credit cards
- Apple Pay
- Google Pay
- Samsung Pay
- Visa Checkout
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
- Click on the gear icon in the top right corner
- Click Processing from the drop-down menu
- Scroll to the Fraud Tools section
- Next to Advanced Fraud Tools, click the toggle to turn it on
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 avoid rejections on specific transactions in a couple of different ways: