Available Risk Rules

The following section lists all the risk rules available in the IXOPAY platform.

General Checks

__Total Transaction count

Total count of Transactions of [Connector, Merchant] in [last x hours, last x days] [< >] [x]

Threshold check for the total count of Transactions

• for a defined period (hours/ days)
• for a defined reference source (Connector or Merchant of the current Transaction)

__Total amount

Total amount for [Connector, Merchant] in [last x hours, last x days] [< >] [x]

Threshold check for the total volume of Transactions

• for a defined period (hours/ days)
• for a defined reference source (Connector or Merchant of the current Transaction)
• volume is defined by preauthorize & debit Transactions amounts

__Total payout amount

Total payout amount for [Connector, Merchant] in [last x hours, last x days] [< >] [x]

Threshold check for the total volume of payout Transactions

• for a defined period (hours/ days), measured as a rolling window from the current time, not a calendar-aligned day/week/month, up to a maximum of 50 days
• for a defined reference source (Connector or Merchant of the current Transaction)
• volume is defined by payout Transaction amounts only
• the payout that would cross the configured limit is the one that is blocked, not the next one after it
• the threshold amount can be compared in a specific currency (only payouts in that exact currency count), or in the tenant’s Base Currency (other currencies are converted before being added to the total); if no conversion rate is available, the check errors instead of silently counting as zero
• refund Transactions are not included in this threshold

__Total amount of customer

Total Transaction amount of this customer for [Connector, Merchant] in [last x hours] [< >] [x]

Threshold check for the total volume of Transactions of the same customer

• for a defined period (hours/ days)
• for a defined reference source (Connector or Merchant of the current Transaction)
• customer is defined by Identification and email address
• volume is defined by preauthorize & debit Transactions amounts

__Total Transaction count of customer

Total count of Transaction of this customer for [Connector, Merchant] in [last x hours] [< >] [x]

Threshold check for the total count of Transactions of the same customer

• for a defined period (hours/ days)
• for a defined reference source (Connector or Merchant of the current Transaction)
• customer is defined by Identification and email address

__Count of Transactions of same device

Count of Transactions of same device (browser fingerprint) of [Connector, Merchant] in last [x] hours [< >] [x].

Threshold check for the count of Transactions performed on the same device

• for a defined period (hours/ days)
• for a defined reference source (Connector or Merchant of the current Transaction)
• device is defined by the fingerprint generated through the payment page or payment.js

__Total amount of same device

Total amount of same device (browser fingerprint) of [Connector, Merchant] in last [x] hours [< >] [x]

Threshold check for the total Transaction volume performed on the same device

• for a defined period (hours/ days)
• for a defined reference source (Connector or Merchant of the current Transaction)
• device is defined by the fingerprint generated through the payment page or payment.js
• volume is defined by preauthorize & debit Transactions amounts

__Transaction Indicator Check

Checks for a specific transaction indicator

__Registration Flag Check

Checks whether the transaction has been flagged withRegister

Optionally Register transactions can be considered as well

__Count of different countries

Count of different countries based on [billing address, shipping address, ip address] of [Connector, Merchant] in [last x hours] [< >] [x]

Compares the count of different country values used within all Transactions

• for a defined period (hours/ days)
• for a defined reference source (Connector or Merchant of the current Transaction)

__Difference of this Transaction amount vs. average Transaction amount

Difference of this Transaction amount vs. average Transaction amount of [Connector, Merchant] in [last x hours] [< >] [x %]

Evaluates the difference of the average Transaction amount of the sliding window versus the current Transaction amount

• for a defined period (hours/ days)
• for a defined reference source (Connector or Merchant of the current Transaction)

__Average amount comparison

Difference of average Transaction amount of [Connector, Merchant] in [last x hours] vs. average Transaction amount of [Connector, Merchant] in [last y hours] [< >] [x %]

Evaluates the difference of the average Transaction amount of the two sliding windows

• for a defined period (hours/ days)
• for a defined reference source (Connector or Merchant of the current Transaction)

__Difference of Transaction count

Difference of Transaction count of [Connector, Merchant] in [last x hours] vs. Transaction count of [Connector, Merchant] in [last y hours] [< >] [x %]

Evaluates the difference of the count of Transactions of the two sliding windows (up to now)

• for a defined period (hours/ days)
• for a defined reference source (Connector or Merchant of the current Transaction)

__Count of different payment instruments

Count of different payment methods (over all customers) at [Connector, Merchant] in [last x hours] [< >] [x]

Threshold check for the total count of all payment instruments on the given reference source (Connector, Merchant)

• payment instrument is a particular card, IBAN or wallet

__Blocklist

Is anything on Blocklist.

Evaluates all available (and chosen) Transaction/ customer values against the Blocklist

__Allowlist

Is anything on Allowlist.

Evaluates all available (and chosen) Transaction/ customer values against the Allowlist

__Transaction amount evaluation

This Transaction amount is [<>=] [x]

Evaluates the current Transaction amount (limit check)

__Total amount of customer country

Total amount of customer country based on [ip country, billing country, shipping country] of [Connector, Merchant] in last [x] [hours, days] [<>] [x] [currency]

Threshold check for the total Transaction volume of all Transactions made from customers in the chosen country

• for a defined period (hours/ days)

__Payment instrument usage count

Count of Transactions using same payment instrument

Threshold check for the total count of Transactions with the same payment instrument

• for a defined period (hours/ days)
• for a defined reference source (Connector or Merchant of the current Transaction)
• payment instrument is a particular card, IBAN or wallet

Customer Checks

__Total amount of customer

Total transaction amount of this customer for [connector, merchant] in [last x hours] [< >] [x]

__Total transaction count of customer

Total count of transaction of this customer for [connector, merchant] in [last x hours] [< >] [x]

__Advanced Country Check

Country of [type x] is [in/ not in] [list of countries] of [only successful, all] Transactions of [Connector, Merchant] in [last x hours] - but pass the first [x] Transactions

Velocity check to allow only a certain count of Transaction from a particular country within the chosen time period

__Count of Customers with same Credit card

Count of customers (email or customerIdentification) with same Credit Card (Credit Card fingerprint) of [Connector, Merchant] in last [x] hours [< >] [x]

Threshold check for the count of customers using the same card

• for a defined period (hours/ days)
• for a defined reference source (Connector or Merchant of the current Transaction)
• customer is defined by Identification and email address

__Count of Customers of same device

Count of Customers (email or customerIdentification) of same device (browser fingerprint) of [Connector, Merchant] in last [x] hours [< >] [x] of [all, only successful] Transactions

Threshold check for the count of different customers performed Transaction on the same device

• for a defined period (hours/ days)
• for a defined reference source (Connector or Merchant of the current Transaction)
• device is defined by the fingerprint generated through the payment page or payment.js
• customer is defined by Identification and email address

__Count of customers with same IBAN

Count of customers (email or customerIdentification) with same IBAN of [Connector, Merchant] in last [x] hours [< >] [x]

Threshold check for the count of customers using the same IBAN

• for a defined period (hours/ days)
• for a defined reference source (Connector or Merchant of the current Transaction)
• customer is defined by Identification and email address

__Customer’s data comparison

Customer Data Analysis Check

Compares the chosen customer data values against the defined values

Comparison with equals, not equals, contains, not contains

__Customer’s IP address

Customer’s IP address is [in, not in] [ip address range in CIDR notation]

Checks if the customer’s IP address is within the defined range

__Customer’s IP address country

Customer’s IP address country is [in, not in] [list of countries]

Checks if the customer’s IP address belongs to the chosen countries

__Count of different payment instruments of customer

Count of different payment methods of customer at [Connector, Merchant] in [last x hours] [< >] [x]

Threshold check for the different payment instruments used by a customer

• customer is defined by Identification and email address
• payment instrument is a particular card, IBAN or wallet

__Country compare to address

Customer’s [ip address, shipping address, billing address] country [= !=] [ip address, shipping address, billing address] country

Checks if two defined country values match or not

__Total amount of customer country

Total amount of customer country based on [ip country, billing country, shipping country] of [connector, merchant] in last [x] [hours, days] [<>] [x] [currency]

__Transaction Indicator and Reference Scheme ID Check

Checks for a specific transaction indicator and additionally checks whether a reference scheme transaction ID is given

IP Address Checks

Credit Card Checks

___Deprecated : _Level of Credit Card (BIN)

BIN level of Credit Card is [in, not in] [list of levels]

Checks the level of the used card (Standard, Gold, Business etc.)

__Segment of Credit Card (BIN)

BIN segment of Credit Card is [in, not in] [list of segments]

Checks the segment of the used card (Consumer, Business, Commercial, Government or Unknown)

__Credit Card PAN Check

Check first 6 digits and last 4 digits of Credit Card number

Checks the currently used card against the defined card number (first 6 and last 4 digits)

__Transaction Count of same Credit Card (first 6 and last 4 digits)

Count of Transactions of [Connector, Merchant] where same first 6 digits (and opt. last 4 digits) are used in last x hours

Velocity check to evaluate the number of Transaction performed with the same Credit Card

__Count of different Credit Cards of same device

Count of different Credit Cards (Credit Card fingerprint) of same device (browser fingerprint) of [Connector, Merchant] in last [x] hours [< >] [x].

Threshold check for the count of different cards used by the same device

• for a defined period (hours/ days)
• for a defined reference source (Connector or Merchant of the current Transaction)
• device is defined by the fingerprint generated through the payment page or payment.js

__Total count of Transactions with certain bin range

Credit Card matches defined BIN range and total count of Transaction of the defined BIN range for [Connector, Merchant] in [last x hours] [< >] [x].

Velocity check to evaluate the number of Transactions performed with cards originating in the chosen BIN Range

• for a defined period (hours/ days)
• for a defined reference source (Connector or Merchant of the current Transaction)

__Prepaid Credit Card (BIN)

Credit Card [is, is not] prepaid

Checks if the current credit card is a prepaid card or not.

__Reloadable Credit Card (BIN)

Credit Card [is, is not] reloadable

Checks if the current credit card is a reloadable card or not.

__Brand of Credit Card (BIN)

BIN brand of Credit Card is [in, not in] [list of brands]

Checks the brand of the used card (Visa, Mastercard, Amex, etc.)

__BIN Country

BIN country of Credit Card is [in, not in] [list of countries]

Checks if the issuing country of the used card is within the chosen list of countries

__Type of Credit Card (BIN)

BIN type of Credit Card is [in, not in] [list of types]

Checks the type of the used card (Debit, Credit)

IBAN Checks

External Risk Checks

___Legacy : _Kount - External Risk Check

Use Kount Risk Check Analysis. (External Risk Check)

Integrates Kount as external Risk Check service

Not available for new clients. See Kount — External Risk Check.

__Notolytix - External Risk Check

Use Notolytix Risk Check Analysis. (External Risk Check)

Integrates Notolytix as external Risk Check service

__Maxmind - External Risk Check

Use Maxmind Risk Check Analysis. (External Risk Check)

Integrates Maxmind as external Risk Check service

__Forter - External Risk Check

Use Forter Risk Check Analysis. (External Risk Check)

Integrates Forter as external Risk Check service

__FraudNet - External Risk Check

Use FraudNet Risk Check Analysis. (External Risk Check)

Integrates FraudNet as external Risk Check service

__Riskified - External Risk Check

Use Riskified Risk Check Analysis. (External Risk Check)

Integrates Riskified as external Risk Check service

Other Checks

__Randomly hit check

Triggers randomly by the configured chance (e.g. to generate random samples)

__Extra Data Check

Checks the passed extra data against the configured values

__Count of A with same B

Count of [A] with same [B] of [Connector, Merchant] in last [x] hours [< >] [x] of [all, only successful] Transactions

Threshold check for the number of Transactions performed with different Credit Cards from different IP addresses.

• for a defined period (hours/ days)
• for a defined reference source (Connector or Merchant of the current Transaction)

__Count or Volume of Chargebacks

Total Chargeback [count, volume] for [Connector, Merchant] in [last x hours, last x days] [< >] [x]

Threshold check for the volume of Chargebacks used by a customer

• customer is defined by Identification and email address
• payment instrument is a particular card, IBAN or wallet

__Last Transaction is longer ago then

Last Transaction (debit & preauth) of [Connector, Merchant] [is, is not] longer ago then [x days]

Triggers if the last Transaction of the chosen reference source is longer ago then the defined days

__First Transaction check

Transaction [is, is not] first Transaction on [Connector, Merchant]

Triggers if the current Transaction is the first one on the chosen reference source (Connector, Merchant)

__Includes another Risk Profile

Includes another defined Risk Profile