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