Page Comparison

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Policy Component	Description
Decisions	A configuration of risk rules allowing Facilitators or Referrers to set specific risk criteria to determine the automated action that should occur to a transaction or entity.
Sub-Decisions	Conditional Decisions offered based on the primary Risk decision Decision offered.
Rules	Specified risk criteria set and required to trigger an individual Decision Action.
Dependencies	The result of another Decision acts as a prerequisite to trigger the current policy.
Failover Dependencies	The action that should be taken if a Decision dependency fails or an error occurs to avoid the decision Decision action.

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Decisions

You can find all available decisions Decisions here:

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title	Click here to see a list of all Decisions.

Decision	Description	Available Sub Decisions
RealtimeMemberSearchRealtime Member Search	Designed to identify Individuals who have been designated risks by the US and Foreign governments.	Entity Score Address Conflict Citizenship Conflict Country Conflict DOB Conflict Entity Type Conflict Gender Conflict ID Conflict Phone Conflict
RealtimeBusinessSearchRealtime Business Search	Designed to identify Business who have been designated risks by the US and Foreign governments.	Entity Score Address Conflict Citizenship Conflict Country Conflict DOB Conflict Entity Type Conflict Gender Conflict ID Conflict Phone Conflict
MasterCardMatchMasterCard MATCH	A database that houses information about businesses (and their owners) whose credit card processing privileges have been terminated for a set of very specific reasons. Submissions can be flagged based on a partial, full or no match indicator.	Possible Matches NameDoingBusinessAsName Doing Business As Name Address Phone Number Alt Phone Number Country Subdivision Tax ID National Tax ID Service Provider Legal Service Provider DBA Representative Name Representative Address Representative Phone Number Representative Alt Phone Number Representative National ID Representative Drivers License ID Theft Rep National ID ID Theft Rep National Tax ID Termination Reason Code
BusinessInstantIdBusiness Instant ID	Validates and verifies a Business information, and TIN across multiple databases using a powerful, proprietary search and comparison process.	Business Score Verification Code Company Name Verification Street Address Verification City Verification State Verification ZIP Verification Phone Verification EIN Verification Risk Indicator Code OFAC Watch List Match Global Watch List Match Business Risk Address Match Business to Rep Link Index REP CVI Score REP Risk Indicator Score REP DOB Code REP NAS Code REP Watch List Match REP PO Box Address REP Decedent Match
ConsumerInstantIdConsumer Instant ID	Validates and verifies a consumer's identity information, and DOB across multiple databases using a powerful, proprietary search and comparison process.	CVI Code Risk Indicator Code NAS Code NAP Code Decedent Match SSN Match DOB Code PO Box Address Watch List Match Red Flag Code
ConsumerInstantIdBasicConsumer Instant ID Basic		CVI Code Risk Indicator Code NAS Code NAP Code Decedent Match SSN Match DOB Code PO Box Address Watch List Match
ThreatMetrix	A comprehensive digital identity to authenticate each connecting user by combining information relating to devices, anonymized identity information, behavior patterns and threat intelligence.	Review Status Policy Score Reason Codes Risk Rating
TxnThreatMetrixTransaction ThreatMetrix		Review Status Policy Score Reason Codes Risk Rating
ThreatMetrixEmailageThreatMetrix Emailage		Fraud Risk Score Risk Reason Risk Band Digital Identity Score Total Hits Unique Hits Level Fraud Type Email Exists Email Creation Days First Seen Days Name Match Domain Risk Level Domain Exists Domain Relevant Info Domain Creation Days Domain Country Name Domain Corporate IP Risk Level IP Risk Reason Email To IP Confidence Email to Phone Confidence Email to Name Confidence IP to Phone Confidence IP to Name Confidence Email Owner Friend Count Phone Status Phone Owner Match Phone Carrier Type Reason Codes
ThreatMetrixFraudpointThreatMetrix FraudpointThreatMetrixPhoneFinder		Score	LegitScriptRegister	Boards the merchant for online compliance review against the operating regulations of Visa, Mastercard, and other major payment networks.	EquifaxConsumerCreditReport	CharityCheck	Ensure charities are compliant within key databases including IRS Publication 78, IRS Business Master File, Internal Revenue Bulletin, Automatic Revocation of Exemption, and OFAC Specially Designated National list.	GiactInquiry	GIACT Inquiry	GiactTxnInquiry	GIACT Inquiry for Transaction	GiactGauthenticate	GiactTxnGauthenticate	PayloadAttribute	PayloadTransactionAttribute	RiskRating	TransactionSize	TransactionAttribute	TransactionAuthorization	AvsResponse	CountryBlock	TransactionMetrics	TinCheck	Validates your recipient's Name/TIN information in real-time against the IRS database, the Office of Foreign Assets Control list (OFAC), and the Death Master File (DMF) to ensure you have valid recipient Name/TIN information.	TruliooIdv	TruliooBusinessVerification	TruliooAsyncBusinessVerification	TruliooAmlIdv	PlaidGetIdentity	PlaidIdentityMatch	TxnPlaidIdentityMatch	TxnPlaidGetIdentity	TxnPlaidGetAuth	BaselineTxnMetricsOutlierTicketSize

Sub-Decisions

Operators

Operators act as the criteria filter for each sub-decision to read the data provided and pass or fail the decision accordingly.

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Operators

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Description

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Example

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Truthy

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The operator and the value of “True” in a true/false boolean to trigger the decision action.

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Conflict with DOB - Truthy.

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Falsy

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The operator and the value of “False” in a true/false boolean to trigger the decision action.

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Plaid Verification - Falsy

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Is Present

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If any result is present, trigger the decision action.

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OFAC Watch List Match - Is Present

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Is Empty

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If no result is present, trigger the decision action.

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Entity TC Date - Is Empty

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Greater than or equal to threshold.

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Sets a range above the preset threshold value to trigger the decision action at or above.

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Entity Score - Greater than orequal to 89.

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Less than or equal to threshold.

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Sets a range below the preset threshold value to trigger the decision action at or below.

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FICO Score - Less than or equal to 650.

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Matches Value

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If result is an exact match to the set value, trigger the decision action.

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Risk Indicator Code - Matches Value “10” - The input business name matches OFAC file.

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No Match

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If the result does not match the set value, trigger the decision action.

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Manipulated Identity Index Friendly Fraud Index Stolen Identity Index Suspicious Activity Index Synthetic Identity Index Vulnerable Victim Index Risk Indicator Codes Transaction Status Transaction Reason Code Product Status Reason Codes
ThreatMetrix PhoneFinder		Consumer Time Last Seen With Phones Consumer Time with Phones Deceased Indicators Phone Verification Message Primary Identity Full Name Primary Phone Carrier Primary Phone Type Primary Phone Risk Count High Primary Phone Risk Count Medium Primary Phone Risk Count Low Primary Phone Risk Indicator Messages Primary Phone Risk Indicator Status Primary Phone Status Primary Phone Verification Indicator Reason Codes
LegitScript Register	Boards the merchant for online compliance review against the operating regulations of Visa, Mastercard, and other major payment networks.	Correlation ID
Equifax Consumer Credit Report		FICO Score Reason Code
Charity Check	Ensure charities are compliant within key databases including IRS Publication 78, IRS Business Master File, Internal Revenue Bulletin, Automatic Revocation of Exemption, and OFAC Specially Designated National list.	Subsection Code PUB78 Verified
GIACT Inquiry	GIACT Inquiry	Account Response Code Customer Response Code Verification Response
GIACT Txn Inquiry	GIACT Inquiry for Transaction	Account Response Code Customer Response Code Verification Response
GIACT gAuthenticate		Verification Result Account Verification Result Account Authentication Result Account Owner Signer
GIACT Transaction gAuthenticate		Verification Result Account Verification Result Account Authentication Result Account Owner Signer
Payload Attribute		Entity Type Entity Public Entity Client IP Entity TC Date Entity TC Accept Date Entity TC Version Entity TIN Status Entity Industry Merchant Environment Merchant Annual Credit Card Sales Monthly Volume Merchant Average Ticket Merchant Established Date Merchant MCC Plaid Verification Custom Members Significant Responsibility Members Politically Exposed Members SSN TIN Global Business ID Email Domain Routing Number Change Request Division ID
Payload Transaction Attribute		Entity Type Entity Public Entity Client IP Entity TC Date Entity TC Accept Date Entity TC Version Entity TIN Status Entity Industry Merchant Environment Merchant Annual Credit Card Sales Monthly Volume Merchant Average Ticket Merchant Established Date Merchant MCC Plaid Verification Custom Transaction Payment Method Transaction Total Routing Number Imported Type Card on File Type Origin Token
Risk Rating		Credit Card Exposure Credit Risk Level Total Exposure ACH Exposure AML Risk Level AML Score AML Risk Category
Transaction Size		Transaction Total
Transaction Attribute		Transaction Token Transaction CVV Status Transaction CVV Sent Transaction Card-on-File Type Transaction Auth Code Transaction IP Created Transaction Type Merchant Last Activity
Transaction Authorization		Auth Code
AVS Response		Transaction Result AVS Code
Country Block		Country Code
Transaction Metrics		Daily All Transactions Count Daily All Transactions Amount Daily Declined Transactions Count Daily Declined Transactions Amount Daily Card Transactions Count Daily Card Transactions Amount Daily Declined Card Transactions Count Daily Declined Card Transactions Amount Daily Cards Present Transactions Count Daily Cards Present Transactions Amount Daily Declined Cards Present Transactions Count Daily Declined Cards Present Transactions Amount Daily Cards-Not-Present Transactions Count Daily Cards-Not-Present Transactions Amount Daily Declined Cards-Not-Present Transactions Count Daily Declined Cards-Not-Present Transactions Amount Daily Bank Transactions Count Daily Bank Transactions Amount Daily Declined Bank Transactions Count Daily Declined Bank Transactions Amount Daily Refunds Count Daily Refunds Amount Daily Declined Refunds Count Daily Declined Refunds Amount Daily Sales Daily Bad Authentications Daily Successful Authentications Weekly All Transactions Count Weekly All Transactions Amount Weekly Declined Transactions Count Weekly Declined Transactions Amount Weekly Card Transactions Count Weekly Card Transactions Amount Weekly Declined Card Transactions Count Weekly Declined Card Transactions Amount Weekly Cards Present Transactions Count Weekly Cards Present Transactions Amount WeeklyDeclined Cards Present Transactions Count Weekly Declined Cards Present Transactions Amount Weekly Cards-Not-Present Transactions Count Weekly Cards-Not-Present Transactions Amount Weekly Declined Cards-Not-Present Transactions Count Weekly Declined Cards Not Present Transactions Amount Weekly Bank Transactions Count Weekly Bank Transactions Amount Weekly Declined Bank Transactions Count Weekly Declined Bank Transactions Amount Weekly Refunds Count Weekly Refunds Amount Weekly Declined Refunds Count Weekly Declined Refunds Amount Weekly Sales Weekly Bad Authentications Weekly Successful Authentications Monthly All Transactions Count Monthly All Transactions Amount Monthly Declined Transactions Count Monthly Declined Transactions Amount Monthly Card Transactions Count Monthly Card Transactions Amount Monthly Declined Card Transactions Count Monthly Declined Card Transactions Amount Monthly Cards Present Transactions Count Monthly Cards Present Transactions Amount Monthly Declined Cards Present Transactions Count Monthly Declined Cards Present Transactions Amount Monthly Cards-Not-Present Transactions Count Monthly Cards-Not-Present Transactions Amount Monthly Declined Cards-Not-Present Transactions Count Monthly Declined Cards-Not-Present Transactions Amount MonthlyBank Transactions Count MonthlyBank Transactions Amount Monthly Declined Bank Transactions Count Monthly Declined Bank Transactions Amount Monthly Refunds Count Monthly Refunds Amount Monthly Declined Refunds Count Monthly Declined Refunds Amount Monthly Bad Authentications Monthly Successful Authentications
TIN Check	Validates your recipient's Name/TIN information in real-time against the IRS database, the Office of Foreign Assets Control list (OFAC), and the Death Master File (DMF) to ensure you have valid recipient Name/TIN information.	TIN Score Status Code
Trulioo Identity Document Verification (IDV)		Record Status Surname Given Name Address Line 1 Postal Code Day of Birth Month of Birth Year of Birth Telephone Number State or Province Code Email Address
Trulioo Business Verification		Record Status Address Line 1 Postal Code City State or Province Code Business Name Business Registration Number Jurisdicition of Incorporation TIN Found in Directors Officers Found in Company Ownership
Trulioo Async Business Verification		Record Status Address Line 1 Postal Code City State or Province Code Business Name Business Registration Number Jurisdicition of Incorporation TIN Found in Directors Officers Found in Company Ownership
TruliooAmlIdv		Record Status Surname Given Name Address Line 1 Postal Code Day of Birth Month of Birth Year of Birth Telephone Number State or Province Code Email Address
PlaidGetIdentity		Available Current ISO Currency Code Unofficial Currency Code Official Name Type Depository Subtype Phone-Email Mismatch Email-Zip Code Mismatch
PlaidIdentityMatch		Legal Name Score Phone Number Score Email Address Score Address Score Business Name Detected First or Last Name Match Postal Code Match
TxnPlaidIdentityMatch		Legal Name Score Phone Number Score Email Address Score Address Score Business Name Detected First or Last Name Match Postal Code Match
TxnPlaidGetIdentity		Available Current ISO Currency Code Unofficial Currency Code Official Name Type Depository Subtype Phone-Email Mismatch Email-Zip Code Mismatch
TxnPlaidGetAuth		Available Current Limit ISO Currency Code Unofficial Currency Code Last Updated Date and Time Official Name Type Depository Subtype Verification Status Insufficient Funds
BaselineTxnMetricsOutlierTicketSize		Sub-Decision Outlier Ticket Size Transaction Number Transaction Percentile Transaction Base

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Sub-Decisions

Policy Component	Description
Subtype
Match Rule
Risk Level
Operator
Value
Action

Subtypes

Realtime Member Search

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title	Click here to see all Sub-Decisions for Realtime Member Search

Sub-Decision	Description	Operators	Valid Values
Entity Score	A score indicating the confidence in the identity match.	Greater Than or equal to threshold Less Than or equal to threshold	Score values: 0 - 100
Address Conflict	Whether the address information for screening list entity matches.	Truthy Falsy	No value. Operators serves as the value.
Citizenship Conflict	Whether the citizenship information for screening list entity matches.	Truthy Falsy	No value. Operators serves as the value.
Country Conflict	Whether the country information for screening list entity matches.	Truthy Falsy	No value. Operators serves as the value.
DOB Conflict	Whether the Date of Birth information for screening list entity matches	Truthy Falsy	No value. Operators serves as the value.
Entity Type Conflict	Whether the Entity Type information for screening list entity matches	Truthy Falsy	No value. Operators serves as the value.
Gender Conflict	Whether the Date of Birth information for screening list entity matches	Truthy Falsy	No value. Operators serves as the value.
ID Conflict	Whether the ID information for screening list entity matches	Truthy Falsy	No value. Operators serves as the value.
Phone Conflict	Whether the ID information for screening list entity matches	Truthy Falsy	No value. Operators serves as the value.

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title	Click here to see all Sub-Decisions for Business Instant ID

Sub-Decision	Description	Operators	Valid Values
Business Score	The BVI (business verification index) is an index that summarizes the verification of the business information	Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match	0 - Nothing found to confirm the existence of the business. 10 - Significant contradictory findings or an OFAC match exists or only single input elements are valid. 20 - Partial verification of input data; business may exist but can’t be positively confirmed. 30 - Business identity confirmed, but failure to verify all identity elements. 40 - Strong verification of the input data is confirmed. 50 - Business is verified with no contradictory findings.
Verification Code		Matches Value No Match	0 - No business inputs verified on this source. 1 - One of the following verified: Input Business name, address, phone or federal EIN. 2 - Two of the following verified: Input Business name, address, phone, and/or federal EIN. 3 - Three of the following verified: Input Business name, address, phone, and/or federal EIN. 4 - All input business information verified.
Company Name Verification		Truthy Falsy	No value. Operators serves as the value.
Street Address Verification		Truthy Falsy	No value. Operators serves as the value.
City Verification		Truthy Falsy	No value. Operators serves as the value.
State Verification		Truthy Falsy	No value. Operators serves as the value.
ZIP Verification		Truthy Falsy	No value. Operators serves as the value.
Phone Verification		Truthy Falsy	No value. Operators serves as the value.
EIN Verification		Truthy Falsy	No value. Operators serves as the value.
Risk Indicator Code		Matches Value No Match	10 - The input business name matches OFAC file. 11 - The input business name matches non-OFAC global watchlist(s) 12 - Bankruptcy on record suggests the business may be defunct 13 - Business not in good standing according to the Secretary of State 14 - Business inactive according to the Secretary of State 15 - Business is not registered at Secretary of State of input business state 16 - The input business TIN is associated with a different business name and address 17 - Unable to verify business name, address, TIN and phone on business records 18 - Unable to verify business name on business records, but alternate business name found in business records 19 - Unable to verify business name on business records 20 - Unable to verify business address on business records 21 - Unable to verify business TIN on business records 22 - Unable to verify business phone number on business records 23 - Business first reported in last 12 months 24 - Business first reported in last 24 months 25 - The input business address may be a previous address 26 - Address mismatch between the input business city/state and zip code 27 - The input business address is a vacant address 28 - The input business phone number may be disconnected 29 - The input phone number is associated with a different name and address 30 - The input business may be associated with a post office box 31 - The input business phone number is a mobile number 32 - The input business zip code has a prison within the zip code area 33 - The input business zip code is a military only zip code 34 - The input business address may be a residential address (single family dwelling) 35 - The input business phone number may be associated with a residential listing 36 - The input business phone number and business address on record are geographically distant (> 10 miles) 37 - The input business TIN is not found 38 - No updates to business record in the past 36 months 39 - No updates to business record in the past 24 months 40 - No updates to business record in the past 12 months 41 - Business operates or has operated at multiple locations 42 - Business has been banned from doing business with the government 43 - The input business address may be invalid according to postal specifications 44 - The input business phone number is potentially invalid 45 - The input business TIN is potentially invalid 46 - The input business name matches the input alternate business name 47 - The input business name may have been miskeyed 48 - The input business address may have been miskeyed 49 - The input business phone number may have been miskeyed 50 - The input business TIN may have been miskeyed 51 - The input business name was missing 52 - The input business address was missing 53 - The input business phone was missing or incomplete 54 - The input business TIN was missing or incomplete
OFAC Watch List Match		Is Present	The operator serves as the value. If any result is present, trigger the decision Decision action.
Global Watch List Match		Is Present	The operator serves as the value. If any result is present, trigger the decision Decision action.
Business Risk Address Match		Is Present	The operator serves as the value. If any result is present, trigger the decision Decision action.
Business to Rep Link Index		Matches Value No Match	0 - The input authorized rep cannot be linked to the business 10 - The input authorized rep’s address is the same as the input business address. The input authorized rep’s first or last name appears as part of the input business name. The input authorized rep’s phone is the same as the input business phone. 20 - The input authorized rep’s SSN is the same as the input business FEIN. The input authorized rep’s address and first or last name is the same as the input business’ address and part of the name. 30 - The input authorized rep’s address matches the business address on record. The input authorized rep’s first or last name appears as part of the business name on record. The input authorized rep’s phone matches the business phone on record. 40 - The input authorized rep’s address matches the personal address of a business contact on record. The input authorized rep’s SSN matches the business FEIN on record. The input authorized rep’s address and first or last name matches the business’ address and part of the name on record. 50 - The input authorized rep’s first and last name matches the first and last name of a business contact on record. The input authorized rep’s SSN matches the SSN of a business contact on record.
REP CVI Score		Matches Value No Match	0 - The input authorized rep cannot be linked to the business 10 - The input authorized rep's address is the same as the input business address. The input authorized rep's first or last name appears as part of the input business name. The input authorized rep's phone is the same as the input business phone. 20 - The input authorized rep's SSN is the same as the input business FEIN. The input authorized rep's address and first or last name is the same as the input business’ address and part of the name. 30 - The input authorized rep's address matches the business address on record. The input authorized rep's first or last name appears as part of the business name on record. The input authorized rep's phone matches the business phone on record. 40 - The input authorized rep's address matches the personal address of a business contact on record. The input authorized rep's SSN matches the business FEIN on record. The input authorized rep's address and first or last name matches the business’ address and part of the name on record. 50 - The input authorized rep's first and last name matches the first and last name of a business contact on record. The input authorized rep's SSN matches the SSN of a business contact on record.
REP Risk Indicator Score		Matches Value No Match	02 - The input SSN is reported as deceased 03 - The input SSN was issued prior to the input date-of-birth 04 - The input last name and SSN are verified, but not with the input address and phone. 05 - 06 - The input SSN is invalid 07 - The input phone number may be disconnected 08 - The input phone number is potentially invalid 09 - The input phone number is a pager number 10 - The input phone number is a mobile number 11 - The input address may be invalid according to postal specifications 12 - The input zip code belongs to a post office box 13 - 14 - The input address is a transient commercial or institutional address 15 - The input phone number matches a transient commercial or institutional address 16 - The input phone number and input zip code combination is invalid 19 - Unable to verify name, address, SSN/TIN and phone 20 - 21 - 22 - 23 - 24 - 25 - Unable to verify address 26 - Unable to verify SSN/TIN 27 - Unable to verify phone number 28 - Unable to verify date-of-birth 29 - The input SSN/TIN may have been miskeyed 30 - The input address may have been miskeyed 31 - The input phone number may have been miskeyed 32 - The input name matches the OFAC file 33 - 34 - 35 - 36 - 37 - Unable to verify name 38 - The input SSN is associated with multiple last names 39 - The input SSN is recently issued 40 - 41 - The input driver's license number is invalid for the input DL State 42 - 43 - 44 - The input phone area code is changing 45 - 46 - The input work phone is a pager number 47 - 48 - Unable to verify first name 49 - The input phone and address are geographically distant (>10 miles) 50 - The input address matches a prison address 51 - The input last name is not associated with the input SSN 52 - The input first name is not associated with the input SSN 53 - The input home phone and work phone are geographically distant (>100 miles) 54 -
REP DOB Code		Matches Value No Match	0 1 2 3 4 5 6 7 8
REP NAS Code			0 - Nothing found for input criteria 1 - Input SSN is associated with a different name and address 2 - Input First name and Last Name matched 3 - Input First name and Address matched 4 - Input First name and SSN matched 5 - Input Last name and Address matched 6 - Input Address and SSN matched 7 - Input Last name and SSN matched 8 - Input First name, Last name, and Address matched 9 - Input First name, Last name and SSN matched 10 - Input First name, Address, and SSN matched 11 - Input Last name, Address, and SSN matched 12 - Input First name, Last name, Address and SSN matched
REP NAP Code			0 - Nothing found for input criteria 1 - Input Phone is associated with a different name and address 2 - First name and Last name matched 3 - First name and Address matched 4 - First name and Phone matched 5 - Last name and Address matched 6 - Address and Phone matched 7 - Last name and Phone matched 8 - First name, Last name, and Address matched 9 - First name, Last name, and Phone matched 10 - First name, Address, and Phone matched 11 - Last name, Address, and Phone matched 12 - First name, Last name, Address, and Phone matched
REP Watch List Match		Is Present	The operator serves as the value. If any result is present, trigger the decision Decision action.
REP PO Box Address		Truthy Falsy	No value. Operators serves as the value.
REP Decedent Match		Is Present	The operator serves as the value. If any result is present, trigger the decision Decision action.

Consumer Instant ID

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title	Click here to see all Sub-Decisions for Consumer Instant ID

Sub-Decision	Operators	Valid Values
CVI Code	Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match	0 - Nothing verified 10 - Critical ID elements not verified, are associated with different person(s), or indications such as OFAC matches, deceased/invalid SSN, SSN issued prior to DOB, etc. exist 20 - Minimal verification, critical ID elements not verified or associated with different person(s) 30 - Several ID elements verified 40 - Last name, address and SSN or phone verified; first name, phone or SSN verification failures 50 - Full name, address, phone, SSN verified
Risk Indicator Code	Matches Value No Match	02 - The input SSN is reported as deceased 03 - The input SSN was issued prior to the input date-of-birth 04 - The input last name and SSN are verified, but not with the input address and phone 06 - The input SSN is invalid 07 - The input phone number may be disconnected 08 - The input phone number is potentially invalid 09 - The input phone number is a pager number 10 - The input phone number is a mobile number 11 - The input address may be invalid according to postal specifications 12 - The input zip code belongs to a post office box 14 - The input address is a transient commercial or institutional address 15 - The input phone number matches a transient commercial or institutional address 16 - The input phone number and input zip code combination is invalid 19 - Unable to verify name, address, SSN/TIN and phone 25 - Unable to verify address 26 - Unable to verify SSN/TIN 27 - Unable to verify phone number 28 - Unable to verify date-of-birth 29 - The input SSN/TIN may have been miskeyed 30 - The input address may have been miskeyed 31 - The input phone number may have been miskeyed 32 - The input name matches the OFAC file 37 - Unable to verify name 38 - The input SSN is associated with multiple last names 39 - The input SSN is recently issued 41 - The input driver's license number is invalid for the input DL State 44 - The input phone area code is changing 46 - The input work phone is a pager number 48 - Unable to verify first name 49 - The input phone and address are geographically distant (>10 miles) 50 - The input address matches a prison address 51 - The input last name is not associated with the input SSN 52 - The input first name is not associated with the input SSN 53 - The input home phone and work phone are geographically distant (>100 miles) 55 - The input work phone is potentially invalid 56 - The input work phone is potentially disconnected 57 - The input work phone is a mobile number 64 - The input address returns a different phone number 66 - The input SSN is associated with a different last name, same first name 71 - The input SSN is not found in the public record 72 - The input SSN is associated with a different name and address 74 - The input phone number is associated with a different name and address 75 - The input name and address are associated with an unlisted/non-published phone number 76 - The input name may have been miskeyed 77 - The input name was missing 78 - The input address was missing 79 - The input SSN/TIN was missing or incomplete 80 - The input phone was missing or incomplete 81 - The input date-of-birth was missing or incomplete 82 - The input name and address return a different phone number 83 - The input date-of-birth may have been miskeyed 85 - The input SSN was issued to a non-US citizen 89 - The input SSN was issued within the last three years 90 - The input SSN was issued after age five (post-1990) CA - The primary input address is a Commercial Mail Receiving Agency CL - The input SSN is not the primary SSN for the input identity CO - The input zip code is a corporate only zip code CZ - Address mismatch between city/state and zip code DD - A different driver's license number has been found for the input applicant DF - The input driver’s license number is valid and is not on record DI - The input identity is reported as deceased DM - The input driver's license number may have been miskeyed DV - Unable to verify driver's license number IS - Input SSN possibly randomly issued by SSA, but invalid when first associated with the input identity IT - The input SSN is an ITIN MI - Multiple identities associated with the input SSN MO - The input zip code is a military only zip code MS - Multiple SSNs reported with applicant NB - No date-of-birth reported for the input identity NF - The input first name and last name may have been flipped PA - Potential address discrepancy - the Input address may be previous address PO - The primary input address is a PO Box RS - The input SSN was possibly randomly issued by the SSA SD - The input address State is different than the LN best address State for the input identity SR - Address mismatch on secondary address range VA - The input address is a vacant address WL - The input name matches one or more of the non-OFAC global screening list(s) ZI - Unable to verify zip code
NAS Code	Matches Value No Match	0 - Nothing found for input criteria 1 - Input SSN is associated with a different name and address 2 - Input First name and Last Name matched 3 - Input First name and Address matched 4 - Input First name and SSN matched 5 - Input Last name and Address matched 6 - Input Address and SSN matched 7 - Input Last name and SSN matched 8 - Input First name, Last name and Address matched 9 - Input First name, Last name and SSN matched 10 - Input First name, Address, and SSN matched 11 - Input Last name, Address, and SSN matched 12 - Input First name, Last name, Address and SSN matched
NAP Code	Matches Value No Match	0 - Nothing found for input criteria 1 - Input Phone is associated with a different name and address 2 - First name and Last name matched 3 - First name and Address matched 4 - First name and Phone matched 5 - Last name and Address matched 6 - Address and Phone matched 7 - Last name and Phone matched 8 - First name, Last name, and Address matched 9 - First name, Last name, and Phone matched 10 - First name, Address, and Phone matched 11 - Last name, Address, and Phone matched 12 - First name, Last name, Address, and Phone matched
Decedent Match	Is Present	The operator serves as the value. If any result is present, trigger the decision Decision action.
SSN Match	Matches Value No Match	B F G M O R S U X Z
DOB Code	Matches Value No Match	0 1 2 3 4 5 6 7 8
PO Box Address	Truthy Falsy	No value. Operators serves as the value.
Watch List Match	Is Present	The operator serves as the value. If any result is present, trigger the decision Decision action.
Red Flag Code	Matches Value No Match	02 - The input SSN is reported as deceased 03 - The input SSN was issued prior to the input dateof-birth 04 - The input last name and SSN are verified, but not with the input address and phone 06 - The input SSN is invalid or not yet issued 07 - The input phone number may be disconnected 08 - The input phone number is potentially invalid 09 - The input phone number is a pager number 10 - The input phone number is a mobile number 11 - The input address may be invalid according to postal specifications 12 - The input zip code belongs to a post office box 15 - The input phone number matches a transient commercial or institutional address 16 - The input phone number and input zip code combination is invalid 19 - Unable to verify name, address, SSN/TIN and phone 25 - Unable to verify address 27 - Unable to verify phone number 28 - Unable to verify date-of-birth 29 - The input SSN/TIN may have been miskeyed 30 - The input address may have been miskeyed 31 - The input phone number may have been miskeyed 38 - The input SSN is associated with multiple last 39 - The input SSN is recently issued 41 - The input driver's license number is invalid for the input DL State 49 - The input phone and address are geographically distant (>10 miles) 50 - The input address matches a prison address 66 - The input SSN is associated with a different last name, same first name 71 - The input SSN is not found in the public record 72 - The input SSN is associated with a different name and address 73 - The input phone number is not found in the public record 74 - The input phone number is associated with a different name and address 77 - The input name was missing 78 - The input address was missing 79 - The input SSN/TIN was missing or incomplete 80 - The input phone was missing or incomplete 81 - The input date of birth was missing or incomplete 83 - The input date of birth may have been miskeyed 89 - The input SSN was issued within the last three years 90 - The input SSN was issued after age five (post-1990) 91 - Security Freeze (CRA corrections database) 93 - Identity Theft Alert (CRA corrections database) CA - The primary input address is a Commercial Mail Receiving Agency CO - The input zip code is a corporate only zip code CZ - Address mismatch between city/state and zip code DD - A different driver's license number has been found for the input applicant DF - The input driver’s license number is valid and is not on record DM - The input driver's license number may have been miskeyed DV - Unable to verify driver's license number IS - Input SSN possibly randomly issued by SSA, but invalid when first associated with the input identity IT - The input SSN is an ITIN MI - Multiple identities associated with the input SSN MO - The input zip code is a military-only zip code MS - Multiple SSNs reported with applicant names NB - No date-of-birth reported for the input identity PA - Potential address discrepancy - the Input address may be previous address PO - The primary input address is a PO Box SR - Address mismatch on secondary address range VA - The input address is a vacant address ZI - Unable to verify zip code

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title	Click here to see all Sub-Decisions for Consumer Instant ID (Basic)

Sub-Decision	Operators	Valid Values
CVI Code	Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match	0 - Nothing verified 10 - Critical ID elements not verified, are associated with different person(s), or indications such as OFAC matches, deceased/invalid SSN, SSN issued prior to DOB, etc. exist 20 - Minimal verification, critical ID elements not verified or associated with different person(s) 30 - Several ID elements verified 40 - Last name, address and SSN or phone verified; first name, phone or SSN verification failures 50 - Full name, address, phone, SSN verified
Risk Indicator Code	Matches Value No Match	02 - The input SSN is reported as deceased 03 - The input SSN was issued prior to the input date-of-birth 04 - The input last name and SSN are verified, but not with the input address and phone 06 - The input SSN is invalid 07 - The input phone number may be disconnected 08 - The input phone number is potentially invalid 09 - The input phone number is a pager number 10 - The input phone number is a mobile number 11 - The input address may be invalid according to postal specifications 12 - The input zip code belongs to a post office box 14 - The input address is a transient commercial or institutional address 15 - The input phone number matches a transient commercial or institutional address 16 - The input phone number and input zip code combination is invalid 19 - Unable to verify name, address, SSN/TIN and phone 25 - Unable to verify address 26 - Unable to verify SSN/TIN 27 - Unable to verify phone number 28 - Unable to verify date-of-birth 29 - The input SSN/TIN may have been miskeyed 30 - The input address may have been miskeyed 31 - The input phone number may have been miskeyed 32 - The input name matches the OFAC file 37 - Unable to verify name 38 - The input SSN is associated with multiple last names 39 - The input SSN is recently issued 41 - The input driver's license number is invalid for the input DL State 44 - The input phone area code is changing 46 - The input work phone is a pager number 48 - Unable to verify first name 49 - The input phone and address are geographically distant (>10 miles) 50 - The input address matches a prison address 51 - The input last name is not associated with the input SSN 52 - The input first name is not associated with the input SSN 53 - The input home phone and work phone are geographically distant (>100 miles) 55 - The input work phone is potentially invalid 56 - The input work phone is potentially disconnected 57 - The input work phone is a mobile number 64 - The input address returns a different phone number 66 - The input SSN is associated with a different last name, same first name 71 - The input SSN is not found in the public record 72 - The input SSN is associated with a different name and address 74 - The input phone number is associated with a different name and address 75 - The input name and address are associated with an unlisted/non-published phone number 76 - The input name may have been miskeyed 77 - The input name was missing 78 - The input address was missing 79 - The input SSN/TIN was missing or incomplete 80 - The input phone was missing or incomplete 81 - The input date-of-birth was missing or incomplete 82 - The input name and address return a different phone number 83 - The input date-of-birth may have been miskeyed 85 - The input SSN was issued to a non-US citizen 89 - The input SSN was issued within the last three years 90 - The input SSN was issued after age five (post-1990) CA - The primary input address is a Commercial Mail Receiving Agency CL - The input SSN is not the primary SSN for the input identity CO - The input zip code is a corporate only zip code CZ - Address mismatch between city/state and zip code DD - A different driver's license number has been found for the input applicant DF - The input driver’s license number is valid and is not on record DI - The input identity is reported as deceased DM - The input driver's license number may have been miskeyed DV - Unable to verify driver's license number IS - Input SSN possibly randomly issued by SSA, but invalid when first associated with the input identity IT - The input SSN is an ITIN MI - Multiple identities associated with the input SSN MO - The input zip code is a military only zip code MS - Multiple SSNs reported with applicant NB - No date-of-birth reported for the input identity NF - The input first name and last name may have been flipped PA - Potential address discrepancy - the Input address may be previous address PO - The primary input address is a PO Box RS - The input SSN was possibly randomly issued by the SSA SD - The input address State is different than the LN best address State for the input identity SR - Address mismatch on secondary address range VA - The input address is a vacant address WL - The input name matches one or more of the non-OFAC global screening list(s) ZI - Unable to verify zip code
NAS Code	Matches Value No Match	0 - Nothing found for input criteria 1 - Input SSN is associated with a different name and address 2 - Input First name and Last Name matched 3 - Input First name and Address matched 4 - Input First name and SSN matched 5 - Input Last name and Address matched 6 - Input Address and SSN matched 7 - Input Last name and SSN matched 8 - Input First name, Last name and Address matched 9 - Input First name, Last name and SSN matched 10 - Input First name, Address, and SSN matched 11 - Input Last name, Address, and SSN matched 12 - Input First name, Last name, Address and SSN matched
NAP Code	Matches Value No Match	0 - Nothing found for input criteria 1 - Input Phone is associated with a different name and address 2 - First name and Last name matched 3 - First name and Address matched 4 - First name and Phone matched 5 - Last name and Address matched 6 - Address and Phone matched 7 - Last name and Phone matched 8 - First name, Last name, and Address matched 9 - First name, Last name, and Phone matched 10 - First name, Address, and Phone matched 11 - Last name, Address, and Phone matched 12 - First name, Last name, Address, and Phone matched
Decedent Match	Is Present	The operator serves as the value. If any result is present, trigger the decision Decision action.
SSN Match	Matches Value No Match	B F G M O R S U X Z
DOB Code	Matches Value No Match	0 1 2 3 4 5 6 7 8
PO Box Address	Truthy Falsy	No value. Operators serves as the value.
Watch List Match	Is Present	The operator serves as the value. If any result is present, trigger the decision Decision action.

ThreatMetrix

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title	Click here to see all Sub-Decisions for ThreatMetrix

Sub-Decision	Description	Operators	Valid Values
Review Status	The Review Status of a transaction which is dependent upon the execution of the rules in the policy and the policy score obtained.	Matches Value No Match	Pass Reject Review Challenge
Policy Score	The policy score which is calculated as the sum of the individual risk weights of its rules.	Greater Than or equal to threshold Less Than or equal to threshold	Score values: -100 to +100
Reason Codes	The reason codes which indicate the rules that triggered during policy evaluation.	Matches Value No Match
Risk Rating	The associated risk value based on policy score ranges determined in the policy settings.	Matches Value No Match	High Medium Low Neutral Trusted

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title	Click here to see all Sub-Decisions for LegitScript Register

Sub-Decision

Description

Operators

Valid Values

Correlation ID

Is Empty

The operator serves as the value.

If the value is empty, trigger the decision Decision action.

Equifax Consumer Credit Report

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title	Click here to see all Sub-Decisions for Payrix Payload Attribute

Sub-Decision	Operators	Valid Values
Entity Type	Matches Value No Match	0 1 2 3 4 5 6
Entity Public	Matches Value No Match	0 1
Entity Client IP	Is Empty	The operator serves as the value. If the value is empty, trigger the decision Decision action.
Entity TC Date	Is Empty	The operator serves as the value. If the value is empty, trigger the decision Decision action.
Entity TC Accept Date	Is Empty	The operator serves as the value. If the value is empty, trigger the decision Decision action.
Entity TC Version	Is Empty	The operator serves as the value. If the value is empty, trigger the decision Decision action.
Entity TIN Status	Matches Value No Match	0 1 2 3
Entity Industry	Is Present	The operator serves as the value. If any result is present, trigger the decision Decision action.
Merchant Environment	Matches Value No Match	Supermarket Moto (Mail Order / Telephone) Card Present Fuel Service Station Restaurant eCommerce
Merchant Annual Credit Card Sales	Greater than or equal to threshold. Less than or equal to threshold.
Monthly Volume	Greater than or equal to threshold. Less than or equal to threshold.
Merchant Average Ticket	Greater than or equal to threshold. Less than or equal to threshold.
Merchant Established Date	Greater than or equal to threshold. Less than or equal to threshold. Is Empty
Merchant MCC	Matches Value No Match
Plaid Verification	Truthy Falsy	No value. Operators serves as the value.
Custom	Matches Value No Match Is Present Is Empty
Members Significant Responsibility	Falsy
Members Politically Exposed	Matches Value No Match	1
Members SSN	Matches Value Is Empty
TIN	Matches Value Is Empty
Global Business ID	Matches Value Is Empty
Email Domain	Matches Value
Routing Number	Matches Value
Change Request	Matches Value
Division ID	Matches Value No Match

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title	Click here to see all Sub-Decisions for Payrix Payload Transaction Attribute

Sub-Decision	Operators	Valid Values
Entity Type	Matches Value No Match	0 1 2 3 4 5 6
Entity Public	Matches Value No Match	0 1
Entity Client IP	Is Empty	The operator serves as the value. If the value is empty, trigger the decision Decision action.
Entity TC Date	Is Empty	The operator serves as the value. If the value is empty, trigger the decision Decision action.
Entity TC Accept Date	Is Empty	The operator serves as the value. If the value is empty, trigger the decision Decision action.
Entity TC Version	Is Empty	The operator serves as the value. If the value is empty, trigger the decision Decision action.
Entity TIN Status	Matches Value No Match	0 1 2 3
Entity Industry	Is Present	The operator serves as the value. If any result is present, trigger the decision Decision action.
Merchant Environment	Matches Value No Match	Supermarket Moto (Mail Order / Telephone) Card Present Fuel Service Station Restaurant eCommerce
Merchant Annual Credit Card Sales	Greater than or equal to threshold. Less than or equal to threshold.
Monthly Volume	Greater than or equal to threshold. Less than or equal to threshold.
Merchant Average Ticket	Greater than or equal to threshold. Less than or equal to threshold.
Merchant Established Date	Greater than or equal to threshold. Less than or equal to threshold. Is Empty
Merchant MCC	Matches Value No Match
Plaid Verification	Truthy Falsy	No value. Operators serves as the value.
Custom	Matches Value No Match Is Present Is Empty
Transaction Payment Method	Matches Value No Match	Amex Visa Mastercard Diners Club Discover PayPal Debit Checking Savings Corporate Checking Corporate Savings Gift Card EBT WIC
Transaction Total	Greater than or equal to threshold. Less than or equal to threshold.
Routing Number	Matches Value
Imported	Matches Value No Match	0 1
Type	Matches Value No Match	1 2 3 4 5 6 7 8 9 10 11 12
Card on File Type	Matches Value No Match	Single Scheduled Unscheduled
Origin	Matches Value No Match	1 2 3 4 5 6 7 8
Token	Is Present Is Empty

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title	Click here to see all Sub-Decisions for Transaction Authorization

Sub-Decision

Description

Operators

Valid Values

Auth Code

Is Empty

The operator serves as the value.

If the value is empty, trigger the decision Decision action.

AVS Response

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title	Click here to see all Sub-Decisions for AVS Response

Sub-Decision

Description

Operators

Valid Values

Transaction Result AVS Code

Matches Value
No Match

5
6
19
24
25
26

Country Block

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title	Click here to see all Sub-Decisions for Country Block

...

Sub-Decision

...

Description

...

Operators

...

Valid Values

...

Country Code

...

Matches Value
No Match

...

ABW - Aruba
AFG - Afghanistan
AGO - Angola
AIA - Anguilla
ALA - Aland Islands
ALB - Albania
AND - Andorra
ARE - United Arab Emirates
ARG - Argentina
ARM - Armenia
ASM - American Samoa (US Territory)
ATA - Antarctica
ATF - French Southern Territories
ATG - Antigua and Barbuda
AUS - Australia
AUT - Austria
AZE - Azerbaijan
BDI - Burundi
BEL - Belgium
BEN - Benin
BES - Bonaire, Sint Eustatius and Saba
BFA - Burkina Faso
BGD - Bangladesh
BGR - Bulgaria
BHR - Bahrain
BHS - Bahamas
BIH - Bosnia and Herzegovina
BLM - Saint Barthélemy
BLR - Belarus
BLZ - Belize
BMU - Bermuda
BOL - Bolivia, Plurinational State of
BRA - Brazil
BRB - Barbados
BRN - Brunei Darussalam
BTN - Bhutan
BVT - Bouvet Island
BWA - Botswana
CAF - Central African Republic
CAN - Canada
CCK - Cocos (Keeling) Islands
CHE - Switzerland
CHL - Chile
CHN - China
CIV - Côte d’Ivoire
CMR - Cameroon
COD - Congo, the Democratic Republic of the
COG - Congo
COK - Cook Islands
COL - Colombia
COM - Comoros
CPV - Cape Verde
CRI - Costa Rica
CUB - Cuba
CUW - Curaçao
CXR - Christmas Island
CYM - Cayman Islands
CYP - Cyprus
CZE - Czech Republic
DEU - Germany
DJI - Djibouti
DMA - Dominica
DNK - Denmark
DOM - Dominican Republic
DZA - Algeria
ECU - Ecuador
EGY - Egypt
ERI - Eritrea
ESH - Western Sahara
ESP - Spain
EST - Estonia
ETH - Ethiopia
FIN - Finland
FJI - Fiji
FLK - Falkland Islands (Malvinas)
FRA - France
FRO - Faroe Islands
FSM - Micronesia, Federated States of (US Territory)
GAB - Gabon
GBR - United Kingdom
GEO - Georgia
GGY - Guernsey
GHA - Ghana
GIB - Gibraltar
GIN - Guinea
GLP - Guadeloupe
GMB - Gambia
GNB - Guinea-Bissau
GNQ - Equatorial Guinea
GRC - Greece
GRD - Grenada
GRL - Greenland
GTM - Guatemala
GUF - French Guiana
GUM - Guam (US Territory)
GUY - Guyana
HKG - Hong Kong
HMD - Heard Island and McDonald Islands
HND - Honduras
HRV - Croatia
HTI - Haiti
HUN - Hungary
IDN - Indonesia
IMN - Isle of Man
IND - India
IOT - British Indian Ocean Territory
IRL - Ireland
IRN - Iran, Islamic Republic of
IRQ - Iraq
ISL - Iceland
ISR - Israel
ITA - Italy
JAM - Jamaica
JEY - Jersey
JOR - Jordan
JPN - Japan
KAZ - Kazakhstan
KEN - Kenya
KGZ - Kyrgyzstan
KHM - Cambodia
KIR - Kiribati
KNA - Saint Kitts and Nevis
KOR - Korea, Republic of
KWT - Kuwait
LAO - Lao People's Democratic Republic
LBN - Lebanon
LBR - Liberia
LBY - Libya
LCA - Saint Lucia
LIE - Liechtenstein
LKA - Sri Lanka
LSO - Lesotho
LTU - Lithuania
LUX - Luxembourg
LVA - Latvia
MAC - Macao
MAF - Saint Martin (French Region)
MAR - Morocco
MCO - Monaco
MDA - Moldova, Republic of
MDG - Madagascar
MDV - Maldives
MEX - Mexico
MHL - Marshall Islands (US Territory)
MKD - Macedonia, the former Yugoslav Republic of
MLI - Mali
MLT - Malta
MMR - Myanmar
MNE - Montenegro
MNG - Mongolia
MNP - Northern Mariana Islands (US Territory)
MOZ - Mozambique
MRT - Mauritania
MSR - Montserrat
MTQ - Martinique
MUS - Mauritius
MWI- Malawi
MYS - Malaysia
MYT - Mayotte
NAM - Namibia
NCL - New Caledonia
NER - Niger
NFK - Norfolk Island
NGA - Nigeria
NIC - Nicaragua
NIU - Niue
NLD - Netherlands
NOR - Norway
NPL - Nepal
NRU - Nauru
NZL - New Zealand
OMN - Oman
PAK - Pabkistan
PAN - Panama
PCN - Pitcairn
PER - Peru
PHL - Philippines
PLW - Palau (US Territory)
PNG - Papua New Guinea
POL - Poland
PRI - Puerto Rico (US Territory)
PRK - Korea, Democratic People's Republic of
PRT - Portugal
PRY - Paraguay
PSE - Palestine, State of
PYF - French Polynesia
QAT - Qatar
REU - Réunion
ROU - Romania
RUS - Russian Federation
RWA - Rwanda
SAU - Saudi Arabia
SDN - Sudan
SEN - Senegal
SGP - Singapore
SGS - South Georgia and the South Sandwich Islands
SHN - Saint Helena, Ascension and Tristan da Cunha
SJM - Svalbard and Jan Mayen
SLB - Solomon Islands
SLE - Sierra Leone
SLV - El Salvador
SMR - San Marino
SOM - Somalia
SPM - Saint Pierre and Miquelon
SRB - Serbia
SSD - South Sudan
STP - Sao Tome and Principe
SUR - Suriname
SVK - Slovakia
SVN - Slovenia
SWE - Sweden
SWZ - Swaziland
SXM- Sint Maarten (Dutch Region)
SYC - Seychelles
SYR - Syrian Arab Republic
TCA - Turks and Caicos Islands
TCD - Chad
TGO - Togo
THA - Thailand
TJK - Tajikistan
TKL - Tokelau
TKM - Turkmenistan
TLS - Timor-Leste
TON - Tonga
TTO - Trinidad and Tobago
TUN - Tunisia
TUR - Turkey
TUV - Tuvalu
TWN - Taiwan, Province of China
TZA - Tanzania, United Republic of
UGA - Uganda
UKR - Ukraine
UMI - United States Minor Outlying Islands (US Territory)
URY - Uruguay
USA - United States
UZB - Uzbekistan
VAT - Holy See (Vatican City State)
VCT - Saint Vincent and the Grenadines
VEN - Venezuela, Bolivarian Republic of
VGB - Virgin Islands, British
VIR - Virgin Islands, U.S. (US Territory)
VNM - Viet Nam
VUT - Vanuatu
WLF - Wallis and Futuna
WSM - Samoa
XXK - Kosovo
YEM - Yemen
ZAF - South Africa
ZMB - Zambia
ZWE - Zimbabwe

Transaction Metrics

Daily All

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title	Click here to see all Sub-Decisions for Transaction Metrics

Sub-Decision

Description

Operators

Valid Values

-Decisions for AVS Response

Sub-Decision	Description	Operators	Valid Values
Transaction Result AVS Code		Matches Value No Match	5 6 19 24 25 26

Country Block

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title	Click here to see all Sub-Decisions for Country Block

Sub-Decision	Description	Operators	Valid Values
Country Code		Matches Value No Match	ABW - Aruba AFG - Afghanistan AGO - Angola AIA - Anguilla ALA - Aland Islands ALB - Albania AND - Andorra ARE - United Arab Emirates ARG - Argentina ARM - Armenia ASM - American Samoa (US Territory) ATA - Antarctica ATF - French Southern Territories ATG - Antigua and Barbuda AUS - Australia AUT - Austria AZE - Azerbaijan BDI - Burundi BEL - Belgium BEN - Benin BES - Bonaire, Sint Eustatius and Saba BFA - Burkina Faso BGD - Bangladesh BGR - Bulgaria BHR - Bahrain BHS - Bahamas BIH - Bosnia and Herzegovina BLM - Saint Barthélemy BLR - Belarus BLZ - Belize BMU - Bermuda BOL - Bolivia, Plurinational State of BRA - Brazil BRB - Barbados BRN - Brunei Darussalam BTN - Bhutan BVT - Bouvet Island BWA - Botswana CAF - Central African Republic CAN - Canada CCK - Cocos (Keeling) Islands CHE - Switzerland CHL - Chile CHN - China CIV - Côte d’Ivoire CMR - Cameroon COD - Congo, the Democratic Republic of the COG - Congo COK - Cook Islands COL - Colombia COM - Comoros CPV - Cape Verde CRI - Costa Rica CUB - Cuba CUW - Curaçao CXR - Christmas Island CYM - Cayman Islands CYP - Cyprus CZE - Czech Republic DEU - Germany DJI - Djibouti DMA - Dominica DNK - Denmark DOM - Dominican Republic DZA - Algeria ECU - Ecuador EGY - Egypt ERI - Eritrea ESH - Western Sahara ESP - Spain EST - Estonia ETH - Ethiopia FIN - Finland FJI - Fiji FLK - Falkland Islands (Malvinas) FRA - France FRO - Faroe Islands FSM - Micronesia, Federated States of (US Territory) GAB - Gabon GBR - United Kingdom GEO - Georgia GGY - Guernsey GHA - Ghana GIB - Gibraltar GIN - Guinea GLP - Guadeloupe GMB - Gambia GNB - Guinea-Bissau GNQ - Equatorial Guinea GRC - Greece GRD - Grenada GRL - Greenland GTM - Guatemala GUF - French Guiana GUM - Guam (US Territory) GUY - Guyana HKG - Hong Kong HMD - Heard Island and McDonald Islands HND - Honduras HRV - Croatia HTI - Haiti HUN - Hungary IDN - Indonesia IMN - Isle of Man IND - India IOT - British Indian Ocean Territory IRL - Ireland IRN - Iran, Islamic Republic of IRQ - Iraq ISL - Iceland ISR - Israel ITA - Italy JAM - Jamaica JEY - Jersey JOR - Jordan JPN - Japan KAZ - Kazakhstan KEN - Kenya KGZ - Kyrgyzstan KHM - Cambodia KIR - Kiribati KNA - Saint Kitts and Nevis KOR - Korea, Republic of KWT - Kuwait LAO - Lao People's Democratic Republic LBN - Lebanon LBR - Liberia LBY - Libya LCA - Saint Lucia LIE - Liechtenstein LKA - Sri Lanka LSO - Lesotho LTU - Lithuania LUX - Luxembourg LVA - Latvia MAC - Macao MAF - Saint Martin (French Region) MAR - Morocco MCO - Monaco MDA - Moldova, Republic of MDG - Madagascar MDV - Maldives MEX - Mexico MHL - Marshall Islands (US Territory) MKD - Macedonia, the former Yugoslav Republic of MLI - Mali MLT - Malta MMR - Myanmar MNE - Montenegro MNG - Mongolia MNP - Northern Mariana Islands (US Territory) MOZ - Mozambique MRT - Mauritania MSR - Montserrat MTQ - Martinique MUS - Mauritius MWI- Malawi MYS - Malaysia MYT - Mayotte NAM - Namibia NCL - New Caledonia NER - Niger NFK - Norfolk Island NGA - Nigeria NIC - Nicaragua NIU - Niue NLD - Netherlands NOR - Norway NPL - Nepal NRU - Nauru NZL - New Zealand OMN - Oman PAK - Pabkistan PAN - Panama PCN - Pitcairn PER - Peru PHL - Philippines PLW - Palau (US Territory) PNG - Papua New Guinea POL - Poland PRI - Puerto Rico (US Territory) PRK - Korea, Democratic People's Republic of PRT - Portugal PRY - Paraguay PSE - Palestine, State of PYF - French Polynesia QAT - Qatar REU - Réunion ROU - Romania RUS - Russian Federation RWA - Rwanda SAU - Saudi Arabia SDN - Sudan SEN - Senegal SGP - Singapore SGS - South Georgia and the South Sandwich Islands SHN - Saint Helena, Ascension and Tristan da Cunha SJM - Svalbard and Jan Mayen SLB - Solomon Islands SLE - Sierra Leone SLV - El Salvador SMR - San Marino SOM - Somalia SPM - Saint Pierre and Miquelon SRB - Serbia SSD - South Sudan STP - Sao Tome and Principe SUR - Suriname SVK - Slovakia SVN - Slovenia SWE - Sweden SWZ - Swaziland SXM- Sint Maarten (Dutch Region) SYC - Seychelles SYR - Syrian Arab Republic TCA - Turks and Caicos Islands TCD - Chad TGO - Togo THA - Thailand TJK - Tajikistan TKL - Tokelau TKM - Turkmenistan TLS - Timor-Leste TON - Tonga TTO - Trinidad and Tobago TUN - Tunisia TUR - Turkey TUV - Tuvalu TWN - Taiwan, Province of China TZA - Tanzania, United Republic of UGA - Uganda UKR - Ukraine UMI - United States Minor Outlying Islands (US Territory) URY - Uruguay USA - United States UZB - Uzbekistan VAT - Holy See (Vatican City State) VCT - Saint Vincent and the Grenadines VEN - Venezuela, Bolivarian Republic of VGB - Virgin Islands, British VIR - Virgin Islands, U.S. (US Territory) VNM - Viet Nam VUT - Vanuatu WLF - Wallis and Futuna WSM - Samoa XXK - Kosovo YEM - Yemen ZAF - South Africa ZMB - Zambia ZWE - Zimbabwe

Transaction Metrics

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title	Click here to see all Sub-Decisions for Transaction Metrics

Monthly Declined Cards Present Transactions Amount

Sub-Decision	Operators	Valid Values
Daily All Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Daily All Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Daily Card Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Daily Card Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Card Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Card Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Daily Cards Present Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Daily Cards Present Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Cards Present Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Cards Present Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Daily Cards-Not-Present Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Daily Cards-Not-Present Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Cards-Not-Present Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Daily All Declined Cards-Not-Present Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Bank Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Bank Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Daily Card Declined Bank Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Daily Card Declined Bank Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Card Transactions CountRefunds Count	Greater than or equal to threshold. Less than or equal to threshold.
Daily Refunds Amount	Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Card Transactions AmountRefunds Count	Greater than or equal to threshold. Less than or equal to threshold.
Daily Cards Present Transactions CountDeclined Refunds Amount	Greater than or equal to threshold. Less than or equal to threshold.
Daily Cards Present Transactions AmountSales	Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Cards Present Transactions CountBad Authentications	Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Cards Present Transactions AmountSuccessful Authentications	Greater than or equal to threshold. Less than or equal to threshold.
Daily Cards-Not-Present Weekly All Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Daily Cards-Not-Present Weekly All Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Daily Weekly Declined Cards-Not-Present Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Daily Weekly Declined Cards-Not-Present Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Daily Bank Weekly Card Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Daily Bank Weekly Card Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Daily Weekly Declined Bank Card Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Daily Weekly Declined Bank Card Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Daily Refunds Weekly Cards Present Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Daily Refunds Weekly Cards Present Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Refunds WeeklyDeclined Cards Present Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Daily Weekly Declined Refunds AmountCards Present Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Cards-Not-Present Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Daily SalesWeekly Cards-Not-Present Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Daily Bad AuthenticationsWeekly Declined Cards-Not-Present Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Daily Successful AuthenticationsWeekly Declined Cards Not Present Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Weekly All Bank Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Weekly All Bank Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Declined Bank Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Declined Bank Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Card Transactions Refunds Count	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Card Transactions Refunds Amount	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Declined Card Transactions Refunds Count	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Declined Card Transactions Refunds Amount	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Cards Present Transactions CountSales	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Cards Present Transactions AmountBad Authentications	Greater than or equal to threshold. Less than or equal to threshold.
WeeklyDeclined Cards Present Transactions CountWeekly Successful Authentications	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Declined Cards Present Transactions AmountMonthly All Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Cards-Not-Present Transactions CountMonthly All Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Cards-Not-Present Transactions AmountMonthly Declined Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Monthly Declined Cards-Not-Present Transactions CountAmount	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Declined Cards Not Present Transactions AmountMonthly Card Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Bank Monthly Card Transactions CountAmount	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Bank Transactions AmountMonthly Declined Card Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Monthly Declined Bank Card Transactions CountAmount	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Declined Bank Transactions AmountMonthly Cards Present Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Refunds CountMonthly Cards Present Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Refunds AmountMonthly Declined Cards Present Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Declined Refunds CountMonthly Declined Cards Present Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Declined Refunds AmountMonthly Cards-Not-Present Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Weekly SalesMonthly Cards-Not-Present Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Bad AuthenticationsMonthly Declined Cards-Not-Present Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Weekly Successful AuthenticationsMonthly Declined Cards-Not-Present Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Monthly All MonthlyBank Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Monthly All MonthlyBank Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Monthly Declined Bank Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.
Monthly Declined Bank Transactions Amount	Greater than or equal to threshold. Less than or equal to threshold.
Monthly Card Transactions Refunds Count	Greater than or equal to threshold. Less than or equal to threshold.
Monthly Card Transactions Refunds Amount	Greater than or equal to threshold. Less than or equal to threshold.
Monthly Declined Card Transactions Refunds Count	Greater than or equal to threshold. Less than or equal to threshold.
Monthly Declined Card Transactions Refunds Amount	Greater than or equal to threshold. Less than or equal to threshold.
Monthly Cards Present Transactions CountBad Authentications	Greater than or equal to threshold. Less than or equal to threshold.
Monthly Cards Present Transactions AmountSuccessful Authentications	Greater than or equal to threshold. Less than or equal to threshold.	Monthly Declined Cards Present Transactions Count	Greater than or equal to threshold. Less than or equal to threshold.

TIN Check

Expand

title	Click here to see all Sub-Decisions for TIN Check

Sub-Decision	Description	Operators	Valid Values
TIN Score	A score indicating the confidence in the TIN Match Code	Greater than or equal to threshold. Less than or equal to threshold.

Monthly Cards-Not-Present Transactions Count

Greater than or equal to threshold.
Less than or equal to threshold.

Monthly Cards-Not-Present Transactions Amount

Greater than or equal to threshold.
Less than or equal to threshold.

Monthly Declined Cards-Not-Present Transactions Count

Greater than or equal to threshold.
Less than or equal to threshold.

Monthly Declined Cards-Not-Present Transactions Amount

Greater than or equal to threshold.
Less than or equal to threshold.

MonthlyBank Transactions Count

Greater than or equal to threshold.
Less than or equal to threshold.

MonthlyBank Transactions Amount

Greater than or equal to threshold.
Less than or equal to threshold.

Monthly Declined Bank Transactions Count

Greater than or equal to threshold.
Less than or equal to threshold.

Monthly Declined Bank Transactions Amount

Greater than or equal to threshold.
Less than or equal to threshold.

Monthly Refunds Count

Greater than or equal to threshold.
Less than or equal to threshold.

Monthly Refunds Amount

Greater than or equal to threshold.
Less than or equal to threshold.

Monthly Declined Refunds Count

Greater than or equal to threshold.
Less than or equal to threshold.

Monthly Declined Refunds Amount

Greater than or equal to threshold.
Less than or equal to threshold.

Monthly Bad Authentications

Greater than or equal to threshold.
Less than or equal to threshold.

Monthly Successful Authentications

Greater than or equal to threshold.
Less than or equal to threshold.

TIN Check

...

title	Click here to see all Sub-Decisions for TIN Check

...

Sub-Decision

...

Description

...

Operators

...

Valid Values

...

TIN Score

...

A score indicating the confidence in the TIN Match Code

...

Greater than or equal to threshold.
Less than or equal to threshold.

...

Status Code

...

A status code indicating the match or mismatch of the TIN Matching service.

...

Matches Value

...

0
2
3
4
5
9
10
100

...


Status Code	A status code indicating the match or mismatch of the TIN Matching service.	Matches Value	0 2 3 4 5 9 10 100

Trulioo Identity Document Verification (IDV)

Expand

title	Click here to see all Sub-Decisions for Identity Document Verification

Sub-Decision	Operators	Valid Values
Record Status	Matches Value No Match	No Match Match Missing
Surname	Matches Value No Match	No Match Match Missing
Given Name	Matches Value No Match	No Match Match Missing
Address Line 1	Matches Value No Match	No Match Match Missing
Postal Code	Matches Value No Match	No Match Match Missing
Day of Birth	Matches Value No Match	No Match Match Missing
Month of Birth	Matches Value No Match	No Match Match Missing
Year of Birth	Matches Value No Match	No Match Match Missing
Telephone Number	Matches Value No Match	No Match Match Missing
State or Province Code	Matches Value No Match	No Match Match Missing
Email Address	Matches Value No Match	No Match Match Missing

Trulioo Business Verification

Expand

title	Click here to see all Sub-Decisions for Identity Document Trulioo Business Verification

Sub-Decision	Description	Operators	Valid Values
Record Status		Matches Value No Match	No Match Match Missing

Surname

Address Line 1

Matches Value
No Match

No Match
Match
Missing

Given Name

Postal Code

Matches Value
No Match

No Match
Match
Missing

Address Line 1

City

Matches Value
No Match

No Match
Match
Missing

Postal

State or Province Code

Matches Value
No Match

No Match
Match
Missing

Day of Birth

Business Name

Matches Value
No Match

No Match
Match
Missing

Month of Birth

Business Registration Number

Matches Value
No Match

No Match
Match
Missing

Year

Jurisdicition of

BirthState or Province Code

Incorporation

Matches Value
No Match

No Match
Match
Missing

Telephone Number

Matches Value
No Match

No Match
Match
Missing

TIN

Tax ID Number

Matches Value
No Match

No Match
Match
Missing

Email Address

Matches Value
No Match

No Match
Match
Missing

Matches Value	If result is an exact match to the set value, trigger the Decision action.	Risk Indicator Code: Matches Value “10” - The input business name matches a name on the OFAC file.
No Match	If the result does not match the set value, trigger the Decision action.	[Charity] Subsection Code: No Match - The result does not match a valid non-profit entity type.

Action	Description	Applicable Action Type
Skipped
Pass
None	No Action will occur.
Errored
Reserve	Indicates that a merchant has been flagged above a specific threshold or percentage and will automatically create a reserve.	Consumer Transaction Risk Merchant Transaction Risk
Hold	Indicates unclear or insufficient data submitted from Merchants during boarding or flagged transactions processed or attempted by the Merchant.
Block	Indicates that the specific conditions have not been met and the transaction status will be `Failed` automatically blocking the transaction. Note, BLOCK is only available for merchant onboarding before they receiving funding IDs from the sponsor processor or bank.	Consumer Transaction Risk Merchant Transaction Risk
Post Review Only
Approve
Manual Review

Is Empty	USA CAN
Unofficial Currency Code		Is Present Is Empty
Official Name		Matches Value No Match
Type		Matches Value No Match

	Depository Credit Loan Investment Other
Depository Subtype		Matches Value No Match

Business Name Detected		Truthy Falsy	No value. Operators serves as the value.
First or Last Name Match		Truthy Falsy	No value. Operators serves as the value.

ISO Currency Code	Matches Value No Match Is Empty	USA CAN
Unofficial Currency Code	Is Present Is Empty
Official Name	Matches Value No Match
Type	Matches Value No Match	Depository Credit Loan Investment Other
Depository Subtype	Matches Value No Match	Checking Savings Health Savings (HSA) Certificate of Deposit (CD) Money Market PayPal Prepaid Cash Management EBT Other
Phone-Email Mismatch	Truthy Falsy	No value. Operators serves as the value.


Transaction Base		Greater than or equal to threshold. Less than or equal to threshold. Matches Value No Match

Operator	Description	Example
Truthy	The operator and the value of “True” in a true/false boolean to trigger the Decision action.	Conflict with DOB: Truthy - There is a conflict with the entity member’s date of birth.
Falsy	The operator and the value of “False” in a true/false boolean to trigger the Decision action.	Plaid Verification: Falsy - No Plaid Verification has occurred for the entity.
Is Present	If any result is present, trigger the Decision action.	OFAC Watch List Match: Is Present - Entity appeared on an OFAC Watch List.
Is Empty	If no result is present, trigger the Decision action.	Entity TC Date: Is Empty - No Entity Terms and Conditions Agreement Date was found.
Greater than or equal to threshold.

Page Comparison

Versions Compared

Old Version 8

New Version 9

Key

Decisions

Sub-Decisions

Operators

Sub-Decisions

Subtypes

Realtime Member Search

Consumer Instant ID

ThreatMetrix

Equifax Consumer Credit Report

AVS Response

Country Block

Transaction Metrics

Country Block

Transaction Metrics

TIN Check

TIN Check

Trulioo Identity Document Verification (IDV)

Trulioo Business Verification

Trulioo Async Business Verification

Trulioo

Anti-Money Laundering Identity Document Verification (AML IDV)

Plaid Get Identity

Plaid Identity Match

Plaid Transaction Identity Match

Plaid Transaction Get Identity

Plaid Transaction

Get Authorization (Auth)

Baseline Transaction Metrics Outlier Ticket Size

Match Rule

Plaid Transaction Get Authorization (Auth)

Risk Level

Operators

Value

Baseline Transaction Metrics Outlier Ticket Size

Actions

Rules

Dependencies

Failover Dependencies