biu.hk ,.ltd has implemented several pioneering fraud detection and prevention mechanisms for some of our Payment Gateway integration modules. This report will help you automatically detect potentially risky transactions that your Customers/Sub-Resellers have performed. This report is sent to your Billing Team on a daily basis, to allow you to identify any fraudulent transactions from any of the following Payment Gateways:
- Authorize.Net Credit Card Gateway
- PayPal (formerly Verisign) Payflow Pro Credit Card Gateway
- PayPal Direct Payment API Gateway
Enabling / Disabling Risk Assessment Report Generation
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Login to your Reseller Control Panel. See details
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In the Menu, point to Settings -> Finance & Billing and click General Settings.
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You may enable/disable these reports by selecting/deselecting the Turn on the generation of Risk Assessment Reports checkbox in the Global Payment gateway settings section.
By default, biu.hk ,.ltd enables generation of Risk Assessment Reports for you and these Reports get daily sent to your Billing Contact Email Address.
Additional InformationWe strongly recommend that you enable this report and manually verify the transactions shown therein, by contacting the corresponding Customer or Sub-Reseller. If you find any of these transactions to be suspicious, you should immediately reverse the credit for them, before your Customers/Sub-Resellers use it. If they have already used the credit you may delete their orders or suspend them or follow any process you may deem necessary.
We would also recommend you to reverse any suspicious transactions at the Payment Gateway to avoid charge-backs. The biu.hk ,.ltd Risk Engine assigns a Risk Score to transactions based on a vast accumulated database of information and the history of previous transactions. The Risk Report is divided into sections and special attention should be paid to the High Risk section, if it exists.
Example of a Payment Gateway Risk Report
HIGH RISK ALERT LIST - Different Credit Cards used from the Same Machine with Different Card Holder Names
Username Role Transaction Id Amount Card Holder Name IP Address Status Payment Gateway Name Date {GMT/UTC} [email protected] Reseller AddFund-R-87-76 INR567.00 a 192.168.0.82 AuthSuccessful authorize.net 2005-10-25 22:57:49.197707 [email protected] Reseller AddFund-R-269-75 INR123.00 test 192.168.0.82 AuthSuccessful authorize.net 2005-10-25 22:56:30.059662 [email protected] Customer AddFund-C-74-74 INR123.00 a 192.168.0.82 AuthSuccessful authorize.net 2005-11-07 15:59:42.785879 [email protected] Customer Payment-C-74-22 INR54.21 a 192.168.0.82 AuthSuccessful authorize.net 2005-11-07 15:59:42.785879 [email protected] Customer Payment-C-74-23 INR54.21 a 192.168.0.82 AuthSuccessful authorize.net 2005-11-07 15:59:42.785879 HIGH RISK ALERT LIST - Different Credit Cards used from the Same IP Address with Different Card Holder Names
Username Role Transaction Id Amount Card Holder Name IP Address Status Payment Gateway Name Date {GMT/UTC} [email protected] Reseller AddFund-R-269-63 INR123.00 test 192.168.0.82 AuthFailed authorize.net 2005-11-07 15:59:42.785879 [email protected] Reseller AddFund-R-269-64 INR123.00 test 192.168.0.82 AuthSuccessful authorize.net 2005-11-07 15:59:42.785879 [email protected] Customer AddFund-C-74-74 INR123.00 a 192.168.0.82 AuthSuccessful authorize.net 2005-11-07 15:59:42.785879 [email protected] Customer Payment-C-74-22 INR54.21 a 192.168.0.82 AuthSuccessful authorize.net 2005-11-07 15:59:42.785879 [email protected] Customer Payment-C-74-23 INR54.21 a 192.168.0.82 AuthSuccessful authorize.net 2005-11-07 15:59:42.785879 HIGH RISK ALERT LIST - Different Credit Cards used from the Same Email Address with Different Card Holder Names
Username Role Transaction Id Amount Card Holder Name IP Address Status Payment Gateway Name Date {GMT/UTC} [email protected] Reseller AddFund-R-269-65 INR123.00 test 192.168.0.82 AuthSuccessful authorize.net 2005-10-25 19:01:21.878671 [email protected] Reseller AddFund-R-269-75 INR123.00 test 192.168.0.82 AuthSuccessful authorize.net 2005-10-25 22:56:30.059662 [email protected] Reseller AddFund-R-269-78 INR123.00 test 192.168.0.82 AuthSuccessful authorize.net 2005-10-26 20:16:43.838572 [email protected] Reseller AddFund-R-269-79 INR123.00 test 192.168.0.82 AuthSuccessful authorize.net 2005-10-26 20:17:14.089354 [email protected] Reseller AddFund-R-269-82 INR123.00 test 192.168.0.82 AuthSuccessful authorize.net 2005-10-26 21:00:11.752088 [email protected] Reseller AddFund-R-269-63 INR123.00 test 192.168.0.82 AuthFailed authorize.net 2005-11-07 15:59:42.785879 [email protected] Reseller AddFund-R-269-64 INR123.00 test 192.168.0.82 AuthSuccessful authorize.net 2005-11-07 15:59:42.785879 MEDIUM RISK ALERT LIST - Different Credit Cards used from the Same Machine with the Same Card Holder Name
Username Role Transaction Id Amount Card Holder Name IP Address Status Payment Gateway Name Date {GMT/UTC} [email protected] Reseller AddFund-R-269-78 INR123.00 test 192.168.0.82 AuthSuccessful authorize.net 2005-10-26 20:16:43.838572 [email protected] Reseller AddFund-R-269-79 INR123.00 test 192.168.0.82 AuthSuccessful authorize.net 2005-10-26 20:17:14.089354 [email protected] Reseller AddFund-R-269-80 INR123.00 test 192.168.0.82 AuthFailed authorize.net 2005-10-26 20:22:01.244508 [email protected] Reseller AddFund-R-269-82 INR123.00 test 192.168.0.82 AuthSuccessful authorize.net 2005-10-26 21:00:11.752088 [email protected] Reseller AddFund-R-269-65 INR123.00 test 192.168.0.82 AuthSuccessful authorize.net 2005-10-25 19:01:21.878671 [email protected] Reseller AddFund-R-269-63 INR123.00 test 192.168.0.82 AuthFailed authorize.net 2005-11-07 15:59:42.785879 [email protected] Reseller AddFund-R-269-64 INR123.00 test 192.168.0.82 AuthSuccessful authorize.net 2005-11-07 15:59:42.785879