processorInformation. emsTransactionRiskScore
Fraud score for a MasterCard transaction.
This field is available only for the
Visa Platform Connect
processor, for authorizations on
Mastercard payment cards issued in the US. To receive a fraud score, you must have
Mastercard Expert Monitoring Solutions enabled for your account.- Positions 1-3: Fraud score. This value ranges from 001 to 998, where 001 indicates the least likely fraudulent transaction and 998 indicates the most likely fraudulent transaction.
- Positions 4-5: Reason code that specifies the reason for the fraud score. Possible values:
- 01: Suspicious cross border activity.
- 02: Suspicious transaction.
- 03: High number of transactions.
- 04: High number of transactions at an unattended terminal.
- 05: Suspicious recent history of transactions.
- 06: Suspicious activity and high number of transactions.
- 07: Suspicious cardholder not present activity.
- 08: Suspicious activity and low number of transactions.
- 09: Suspicious service station activity.
- 10: Suspicious online activity.
- 11: High amount transaction or high cumulated amount recently spent.
- 12: Suspicious gambling activity.
- 13: Suspicious phone or mail order activity.
- 14: Suspicious grocery store activity.
- 15: High risk country.
- 16: High amount, high number of transactions, and cross border.
- 17: Suspicious activity including previous declined transactions.
- 18: Suspicious airline activity.
- 19: Score forced to be 001 because the transaction being scored was a 04xx message.
- 20: Not a financial transaction.
- 21: Abnormal geographic activity.
- 22: Abnormal, high frequency at the same MCC.
- 23: High amount recent ATM activity.
- 24: Suspicious recent ATM activity or suspicious ATM activity following a recent abnormal activity.
- 25: Suspicious telecom activity.
- 26: High number of international ATM transactions.
- 27: High cumulated withdrawal amount on international ATM.
- 28: High velocity of domestic ATM transactions.
- 29: High risk MCC.
- Positions 6-32: Reserved for future use.
Specifications
- Data Type:String
- Data Length:32
Mapping Information
- REST API Field:processorInformation.emsTransactionRiskScore
- SCMP API Field:auth_ems_transaction_risk_score
- Simple Order API Field:ccAuthReply_emsTransactionRiskScore