The rules mentioned below can be set up individually for each region. For instance, you can set up independent rules for Scandinavia, Europe, and North America.
Find a list of all regions and the countries they include in your Bambora administration through the menu Fraud Fighter -> Region specific rules
.Accepted forms of payment
Define which payments you want to receive. Choose between three settings:Accept all paymentsChoose this setting if you want to accept all payments from the region. This means that Fraud Fighter neither blocks payments with payment cards issued in this region nor demands a secure payment form. Secure payment forms are payments through 3D Secure, eDankort, Nordea e-betaling, and Danske Netbetaling.Accept only secure paymentsUse this setting if you want to accept only secure payment forms. Secure payment forms are transactions with 3D Secure, eDankort, Nordea e-betaling, and Danske Netbetaling. Block all paymentsBy choosing this setting, Fraud Fighter will block all payments with cards issued in this region.Blocking
This is where you create rules for blocking payments or receiving alarms when suspicious transactions with payment cards from this region
are encountered. Please remember that the basis of all rules is a comparison of the country which issued the card and the region from which the purchase is made.
Choose between five settings:No blocking of card-issuing country/regionNo comparison of the card-issuing country and the region from which the purchase is made is carried out. This option is typically used for Scandinavia if you want to use 3D Secure for all payments, but do not want to check the card-issuing country.The card-issuing region and payment location must be identicalActivate this if the card must be issued in the region where the purchase is made. If the card isn’t from the same region, the payment is blocked. The card-issuing country and payment location must be identicalActivate this if the card must be issued in the country where the purchase is made. If the card isn’t from the same country, the payment is blocked.Warn me if the card-issuing country differs from the payment locationThe card must be issued in the country where the purchase is made. If it isn’t, you’ll receive an SMS or email with more information (remember to set up a recipient in Overview).Warn me if the card-issuing region differs from the payment locationThe card must be issued in the region where the purchase is made. If it isn’t, you’ll receive an SMS or email with more information (remember to set up a recipient in Overview).Proxy check
A proxy server is a web based
server which is used for hiding your identify and location when being on the internet. If your intentions are not clean, you could use a proxy server to pass yourself off as someone else.
By activating proxy check Fraud Fighter checks if the IP address from which a purchase is made is a proxy server. If it is, you’ll be able to tell from the transaction in your administration, and you’ll receive an alarm on SMS or email (if you’ve set up recipients).Amount limit
We recommend that you set up an amount limit which activates 3D Secure. When this amount limit is exceeded, your customer is forced to use 3D Secure. Read more about 3D Secure here
For instance, you can activate 3D Secure for all payments from this region exceeding DKK 5,000. Thus, you run no risk by shipping the product as the card’s issuing bank assumes the risk in case of fraud. If 3D Secure is used and your company complies with the legal requirements, you will not receive a chargeback.Accept only fully covered 3D Secure transactions
Since 3D Secure is an international standard, payments with different levels of coverage are accepted. For instance, 3D Secure allows payments with corporate cards issued outside of Europe, but in this case
your company has no security in the event of fraud.
If you activate this setting, you’ll only accept payments that are fully covered. This means that it is safe for you to ship the product – even if the transaction is fraudulent, you will be reimbursed.Alarms at suspected fraud
Here you configure the number of times payments with the same card or from the same IP address can be completed within a 24 hour time span, before an alarm is sent. If you put the limit at 2, you’ll receive an alarm the third time a payment is made with that card or from that IP address within the past 24 hours.
As making multiple purchases one after another isn’t considered normal behaviour
, Fraud Fighter will deem it suspicious when more payments from the same source are completed. This means that you can adjust the level of alertness.