Mastercard Expert Monitoring Solutions Processing
This section shows you how to obtain the transaction fraud score assigned by Mastercard
Expert Monitoring Solutions.
Requirement
Contact customer support to enable Mastercard Expert Monitoring Solutions for your account.
IMPORTANT
After this feature is enabled for your account, Mastercard returns
a fraud score for all your card-not-present authorization requests for Mastercard payment
cards issued in the US.
Endpoint
Production:
POST
https://api.cybersource.com
/pts/v2/paymentsTest:
POST
https://apitest.cybersource.com
/pts/v2/paymentsRelated Information
- See Mastercard Expert Monitoring Solutions for a description of the transaction fraud score determined by Mastercard Expert Monitoring Solutions.
Required Fields for Processing an Authorization with Mastercard Expert Monitoring
Solutions
Use these required fields to process an authorization using Mastercard Expert Monitoring
Solutions.
IMPORTANT
When relaxed requirements for address data and the expiration date are being used, not all fields
in this list are required. It is your responsibility to determine whether your
account is enabled to use this feature and which fields are required. For details
about relaxed requirements, see Relaxed Requirements for Address Data and Expiration Date in Payment Transactions.
Related Information
Response Field for Authorizations with Mastercard Expert Monitoring Solutions
This field can be returned in a response to an authorization using Mastercard Expert
Monitoring Solutions.
- Fraud score for a Mastercard transaction.
Related Information
REST Example: Obtaining the Mastercard Fraud Score for an Authorization
Request
{ "orderInformation": { "billTo": { "country": "US", "lastName": "Kim", "address1": "201 S. Division St.", "postalCode": "48104-2201", "locality": "Ann Arbor", "administrativeArea": "MI", "firstName": "Kyong-Jin", "email": "kim.test@cybs.com"/>" }, "amountDetails": { "totalAmount": "100.00", "currency": "usd" } }, "paymentInformation": { "card": { "number": "555555555555xxxx", "expirationYear": "2031", "expirationMonth": "12", "type": "002" } } }
Response to a Successful Request
The
processorInformation.emsTransactionRiskScore
response field
contains the fraud score returned by Mastercard Expert Monitoring Solutions. In this
example, the fraud score indicates a high likelihood (field value 843
)
of suspicious service station activity (field value 09
).{ "_links" : { "authReversal" : { "method" : "POST", "href" : "/pts/v2/payments/6461731521426399003473/reversals" }, "self" : { "method" : "GET", "href" : "/pts/v2/payments/6461731521426399003473" }, "capture" : { "method" : "POST", "href" : "/pts/v2/payments/6461731521426399003473/captures" } }, "clientReferenceInformation" : { "code" : "1646173152047" }, "id" : "6461731521426399003473", "orderInformation" : { "amountDetails" : { "authorizedAmount" : "100.00", "currency" : "usd" } }, "paymentAccountInformation" : { "card" : { "type" : "002" } }, "paymentInformation" : { "tokenizedCard" : { "type" : "002" }, "card" : { "type" : "002" } }, "paymentInsightsInformation" : { "responseInsights" : { "categoryCode" : "01" } }, "processorInformation" : { "emsTransactionRiskScore": "84309", "systemTraceAuditNumber" : "862481", "approvalCode" : "831000", "merchantAdvice" : { "code" : "01", "codeRaw" : "M001" }, "responseDetails" : "ABC", "networkTransactionId" : "016153570198200", "consumerAuthenticationResponse" : { "code" : "2", "codeRaw" : "2" }, "transactionId" : "016153570198200", "responseCode" : "00", "avs" : { "code" : "Y", "codeRaw" : "Y" } }, "reconciliationId" : "6461731521426399003473", "status" : "AUTHORIZED", "submitTimeUtc" : "2023-06-09T22:19:12Z" }