Fraud Protection Advanced is one of our Premium Fraud Management Tools that harnesses decades of intelligence from billions of purchases processed by PayPal and Braintree. This feature applies leading-edge machine learning to evaluate card transactions and help protect your business from payment fraud.
Through the capture and analysis of a multitude of data points from customer devices and transactions, Fraud Protection Advanced is built to provide more accurate fraud scores that help merchants identify and reject transactions highly suspected for fraud, while also avoiding over-blocking likely good transactions in the process.
For our Premium Fraud Management Tools, we provide Fraud Protection and Fraud Protection Advanced integrations.
|Premium Fraud Management Tools|
|Fraud Protection||Fraud Protection Advanced|
|Risk rules used to detect fraud||Fixed set of rules including geolocation and device information||Customizable set of rules that you can create and manage|
|Available to||All merchants||All merchants|
*Depending on your pricing model, there may be additional fees associated with Fraud Protection. Contact us for more information.
Fraud Protection and Fraud Protection Advanced are integrated risk management tools 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 Advanced provides additional features and capabilities on top of those provided by Fraud Protection, such as:
- Create your own rules based on 200+ predefined data features provided out of the box
- Create your own rules based on merchant-created custom fields
- Review queue
The filters suggested by Fraud Protection Advanced at the time of onboarding are capable of automatically detecting and rejecting fraudulent payments with high precision. However, there may be a few suspicious payments you feel require human judgment to make appropriate decisions on. With Fraud Protection Advanced, you can designate those payments for manual review by creating a filter with the decision label Review.
The review process helps you take a second look at the details of suspicious payments and analyze them using expertise in your business to understand whether a payment is fraudulent or legitimate, and then decide what action to take.
Fraud Protection and Fraud Protection Advanced are compatible with all credit and debit cards and the following:
When you create a new transaction, we’ll send the information to PayPal’s internal fraud management service. Fraud Protection Advanced will automatically analyze the transaction information using adaptive rules and fraud filters to reach a risk decision. Based on the risk decision, the Braintree gateway will either accept or reject each request.
|Fraud Protection risk decision||Braintree action|
|Approve||Always sends to the processor|
|Decline||Always gateway rejected|
|Review||Always sends to the processor|
|Not Evaluated||Sends to the processor by default|
By default, Transaction Risk Filter is turned on. This filter is powered by a machine learning model that scores the riskiness of transactions based on historic fraud trends. Transactions with risk scores higher than the score set on this filter will get rejected. A threshold of 1000 denotes the riskiest transaction, and 0 the least risky.
You can check a transaction's Fraud Protection risk decision on the Transaction Detail page:
- Log into the Control Panel
- Click on Transactions in the navigation bar
- Scroll to the Transaction Search section
- Define your desired parameters and click the Search button
- Click on the desired transaction ID link
- Scroll to the Premium Fraud Management Tools Information section
A transaction will receive a Not Evaluated risk decision when:
- The time it takes to deliver a risk decision exceeds our internal threshold and the transaction times out
- An error occurs during the evaluation process