Review of settings

Choose Overview in the menu. 

This is where you activate or deactivate Fraud Fighter. You have to activate it to set up rules. As soon as it is activated, the monitoring of your payments starts.

Below you can enter the email address or the mobile phone number which are to receive alarms when suspicious payments are detected. You can add as many recipients as you’d like. Enter the address/number one at a time, and press ‘Add recipient of Fraud Fighter alarms’.

On the list of existing recipients you can see who’ll receive Fraud Fighter alarms.

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 payments
Choose 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 payments
Use 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 payments
By 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/region
No 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 identical
Activate 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 identical
Activate 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 location
The 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 location
The 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. 

Here you define rules for individual countries. Choose the country in the dropdown menu in the top right corner, and define a rule using the settings. Press ‘Create rule for this country’ in the bottom when you’re done.

The settings for countries are identical to the settings for regions. You can set up the same rules, and they work in the same way.

Accepted forms of payment
Define which payments you want to receive. Choose between three settings:

Accept all payments
Choose this setting if you want to accept all payments from this country. This means that Fraud Fighter neither blocks payments with payment cards issued in this country nor demands a secure payment form. Secure payment forms are payments through 3D Secure, eDankort, Nordea e-betaling, and Danske Netbetaling.

Accept only secure payments
Use 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 payments
By choosing this setting, Fraud Fighter will block all payments with cards issued in this country.


Blocking
This is where you create rules for blocking payments or receiving alarms when suspicious transactions with payment cards from this country are encountered. Please remember that the basis of all rules is a comparison of the country which issued the card and the country from which the purchase is made. 

Choose between three settings:

No blocking of card-issuing country/region
No comparison of the card-issuing country and the country from which the purchase is made is carried out. This option is typically used for Denmark (local country) if you want to use 3D Secure for all payments, but do not want to check the card-issuing country.

The card-issuing country and payment location must be identical
Activate 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 location
The 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.

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 country 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. 

Block specific IP addresses here. Customers trying to make a purchase from one of these addresses will be rejected.

Enter an IP address, and press ‘Add IP addresses’ to block an address.

You can find all payments that are rejected by Fraud Fighter in the menu Fraud Fighter -> Declined payments.