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Fraud Management

The plugin provides fraud management functionality for merchants who also use the
Business Center
. You can apply fraud management functionality to transactions when:
  • Fraud management is enabled in the plugin.
  • You have a fraud management profile in the
    Business Center
    .
Fraud screening includes these features:
  • Fraud Management Essentials (FME):
     used to enforce the rules created by Cybsource Machine Learning System (MLS). Fraud management is used to define the merchant’s rules.
  • Fraud Management Rules:
    • When the decision status from the
      Business Center
       is AUTHORIZED_PENDING_REVIEW or PENDING_REVIEW, the order is in review and the order status is set to
      Payment pending for review
      .
    • When the decision status from the
      Business Center
       is AUTHORIZED_RISK_DECLINED, the order is rejected and the order status is set to
      Order cancelled by merchant
      .
The table below describes the possible decisions, outcomes, and timing Decision Manager uses when an order is triggered for review.
When these transactions are in a Decision Manager review state, certain settlement considerations apply:
  • For authorizations:
     while accepting this transaction it is not recommended to settle it in the
    Business Center
    . When the transaction is settled in the
    Business Center
    , the follow-on services initiated from OpenCart Back Office are impacted.
  • For sales:
    • The entire authorized amount should be settled in the
      Business Center
       when accepting the transaction. When the settlement is not performed in the
      Business Center
      , the follow-on services initiated from OpenCart Back Office fail.
    • A follow-on void capture will not trigger from OpenCart Back Office. While accepting review transactions, merchants should not select the settle option.
Decision Manager Decisions, Execution Timings, and Outcomes for Orders
Decision
Execution Timing
Outcome of Decision
Monitor
Before authorization
Authorization will be successful and no action from the Decision Manager is required. Use this decision to understand the outcome of a rule.
Accept
Before authorization
The order is processed normally and is placed successfully.
Review
Before authorization
The authorization is successful, and follow-on services are put on hold until the merchant accepts or rejects it. The order status will be set to
Payment pending for review
.
Reject
Before authorization
The order is rejected and the authorization is not processed. The merchant is not able to view the order in OpenCart Back Office.
Monitor
After authorization
The authorization is successful and no action from Decision Manager is required. Use this decision to understand the outcome of a rule.
Accept
After authorization
The order is processed normally and placed successfully.
Review
After authorization
The authorization is successful, and follow-on services are put on hold until the merchant accepts or rejects it. The order status is set to
Payment pending for review
.
Reject
After authorization
The original authorization is successful and then is automatically reversed and the order status is set to
Order cancelled by merchant
.