Policies, sometimes referred to as “Risk Policies” are , is a comprehensive risk management system designed to automate and streamline decision-making processes for Merchants and transactions on the platform to group a batch of Risk Decisions at once automatically.
Policies - What makes up a policy?
A policy is made up of 5 components, . Facilitators can create and configure Policies that serve as a set of rules and conditions governing how various risk services and checks are applied.
Policies provide a powerful and customizable platform for automating risk management decisions, leveraging a variety of native and third-party risk review services and checks, and offering a flexible framework to adapt to the dynamic nature of Merchant and Transaction risk assessment.
A Policy is made up of 7 components: Stage, Target Decisions, Sub-Decisions, Rules, Dependencies, and Failover Dependencies. See the table below for descriptions of each:
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 Stage | The Merchant boarding or Transaction processing stage where the Policy will be applied. |
Target | The Partition (Facilitator portfolio), Division (a Referrer’s portfolio), or Entity (Referrer or Merchant). |
Status | Whether or not the Policy will be actively applied (Active or Inactive). |
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-DecisionsConditional Decisions | offered based on the primary Risk decision offeredSpecific Decision criteria used to initiate the Decision Action. |
Rules | Specified risk criteria set and required to trigger an individual Decision ActionConditional Sub-Decision criteria to further refine the Decision Action requirement. |
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. |
Decisions
You can find all available decisions here:
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| title | Click here to see a list of all Decisions. |
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Decision
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Description
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Available Sub Decisions
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RealtimeMemberSearch
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Designed to identify Individuals who have been designated risks by the US and Foreign governments.
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Entity Score
Address Conflict
Citizenship Conflict
Country Conflict
DOB Conflict
Entity Type Conflict
Gender Conflict
ID Conflict
Phone Conflict
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RealtimeBusinessSearch
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Designed to identify Business who have been designated risks by the US and Foreign governments.
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Entity Score
Address Conflict
Citizenship Conflict
Country Conflict
DOB Conflict
Entity Type Conflict
Gender Conflict
ID Conflict
Phone Conflict
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MasterCardMatch
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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.
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Possible Matches
Name
DoingBusinessAsName
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
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BusinessInstantId
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Validates and verifies a Business information, and TIN across multiple databases using a powerful, proprietary search and comparison process.
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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
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ConsumerInstantId
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Validates and verifies a consumer's identity information, and DOB across multiple databases using a powerful, proprietary search and comparison process.
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CVI Code
Risk Indicator Code
NAS Code
NAP Code
Decedent Match
SSN Match
DOB Code
PO Box Address
Watch List Match
Red Flag Code
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ConsumerInstantIdBasic
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CVI Code
Risk Indicator Code
NAS Code
NAP Code
Decedent Match
SSN Match
DOB Code
PO Box Address
Watch List Match
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ThreatMetrix
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A comprehensive digital identity to authenticate each connecting user by combining information relating to devices, anonymized identity information, behavior patterns and threat intelligence.
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Review Status
Policy Score
Reason Codes
Risk Rating
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TxnThreatMetrix
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Review Status
Policy Score
Reason Codes
Risk Rating
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ThreatMetrixEmailage
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ThreatMetrixFraudpoint
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ThreatMetrixPhoneFinder
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LegitScriptRegister
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Boards the merchant for online compliance review against the operating regulations of Visa, Mastercard, and other major payment networks.
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EquifaxConsumerCreditReport
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CharityCheck
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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.
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GiactInquiry
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GIACT Inquiry
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GiactTxnInquiry
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GIACT Inquiry for Transaction
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GiactGauthenticate
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GiactTxnGauthenticate
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PayloadAttribute
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PayloadTransactionAttribute
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RiskRating
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TransactionSize
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TransactionAttribute
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TransactionAuthorization
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AvsResponse
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CountryBlock
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TransactionMetrics
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TinCheck
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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.
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TruliooIdv
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TruliooBusinessVerification
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TruliooAsyncBusinessVerification
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TruliooAmlIdv
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PlaidGetIdentity
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PlaidIdentityMatch
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TxnPlaidIdentityMatch
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TxnPlaidGetIdentity
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TxnPlaidGetAuth
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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 fail for the decision.
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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 fail for the decision.
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Plaid Verification - Falsy
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Is Present
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If any result is present, fail for the decision.
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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, fail for the decision.
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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 fail for the decision 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 fail for the decision 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, fail for the decision.
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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, fail for the decision.
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[Charity] Subscection Code - No Match - The result does not match a valid non-profit entity type.
Realtime Member Search
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| title | Click here to see all Sub-Decisions for Realtime Member Search |
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Sub-Decision
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Description
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Operators
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Valid Values
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Entity Score
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A score indicating the confidence in the identity match.
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Score values: 0 - 100
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Address Conflict
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Whether the address information for screening list entity matches.
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No value. Operators serves as the value.
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Citizenship Conflict
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Whether the citizenship information for screening list entity matches.
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No value. Operators serves as the value.
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Country Conflict
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Whether the country information for screening list entity matches.
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No value. Operators serves as the value.
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DOB Conflict
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Whether the Date of Birth information for screening list entity matches
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No value. Operators serves as the value.
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Entity Type Conflict
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Whether the Entity Type information for screening list entity matches
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No value. Operators serves as the value.
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Gender Conflict
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Whether the Date of Birth information for screening list entity matches
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No value. Operators serves as the value.
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ID Conflict
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Whether the ID information for screening list entity matches
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No value. Operators serves as the value.
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Phone Conflict
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Whether the ID information for screening list entity matches
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No value. Operators serves as the value.
Realtime Business Search
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| title | Click here to see all Sub-Decisions for Realtime Business Search |
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Sub-Decision
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Description
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Operators
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Valid Values
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Entity Score
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A score indicating the confidence in the identity match.
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Score values: 0 - 100
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Address Conflict
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Whether the address information for screening list entity matches.
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No value. Operators serves as the value.
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Citizenship Conflict
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Whether the citizenship information for screening list entity matches.
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No value. Operators serves as the value.
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Country Conflict
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Whether the country information for screening list entity matches.
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No value. Operators serves as the value.
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DOB Conflict
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Whether the Date of Birth information for screening list entity matches
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No value. Operators serves as the value.
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Entity Type Conflict
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Whether the Entity Type information for screening list entity matches
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No value. Operators serves as the value.
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Gender Conflict
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Whether the Date of Birth information for screening list entity matches
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No value. Operators serves as the value.
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ID Conflict
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Whether the ID information for screening list entity matches
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No value. Operators serves as the value.
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Phone Conflict
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Whether the ID information for screening list entity matches
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No value. Operators serves as the value.
Mastercard Match
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| title | Click here to see all Sub-Decisions for Mastercard Match |
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Sub-Decision
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Description
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Operators
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Valid Values
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Possible Matches
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Indicates that any match was made with the MATCH watchlist.
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No value. Operators serves as the value.
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Name
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M00 - No Match
M01 - Exact Match
M02 - Phonetic Match
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DoingBusinessAsName
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M00 - No Match
M01 - Exact Match
M02 - Phonetic Match
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Address
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M00 - No Match
M01 - Exact Match
M02 - Phonetic Match
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Phone Number
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M00 - No Match
M01 - Exact Match
M02 - Phonetic Match
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Alt Phone Number
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M00 - No Match
M01 - Exact Match
M02 - Phonetic Match
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Country Subdivision Tax ID
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M00 - No Match
M01 - Exact Match
M02 - Phonetic Match
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National Tax ID
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M00 - No Match
M01 - Exact Match
M02 - Phonetic Match
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Service Provider Legal
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M00 - No Match
M01 - Exact Match
M02 - Phonetic Match
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Service Provider DBA
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M00 - No Match
M01 - Exact Match
M02 - Phonetic Match
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Representative Name
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M00 - No Match
M01 - Exact Match
M02 - Phonetic Match
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Representative Address
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M00 - No Match
M01 - Exact Match
M02 - Phonetic Match
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Representative Phone Number
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M00 - No Match
M01 - Exact Match
M02 - Phonetic Match
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Representative Alt Phone Number
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M00 - No Match
M01 - Exact Match
M02 - Phonetic Match
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Representative National ID
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M00 - No Match
M01 - Exact Match
M02 - Phonetic Match
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Representative Drivers License
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M00 - No Match
M01 - Exact Match
M02 - Phonetic Match
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ID Theft Rep National ID
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M00 - No Match
M01 - Exact Match
M02 - Phonetic Match
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ID Theft Rep National Tax ID
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M00 - No Match
M01 - Exact Match
M02 - Phonetic Match
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Termination Reason Code
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1 - Account Data Compromise
2 - Common Point of Purchase (CPP)
3 - Laundering
4 - Excessive Chargebacks
5 - Excessive Fraud
6 - Reserved for Future Use
8 - Mastercard Questionable Merchant Audit Program
9 - Bankruptcy/Liquidation/Insolvency
10 - Violation of Standards
11 - Merchant Collusion
12 - PCI Data Security Standard Noncompliance
13 - Illegal Transactions
14 - Identity Theft
Business Instant ID
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| title | Click here to see all Sub-Decisions for Business Instant ID |
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Sub-Decision
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Description
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Operators
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Valid Values
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Business Score
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The BVI (business verification index) is an index that summarizes the verification of the business information
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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.
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Verification Code
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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.
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Company Name Verification
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No value. Operators serves as the value.
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Street Address Verification
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No value. Operators serves as the value.
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City Verification
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No value. Operators serves as the value.
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State Verification
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No value. Operators serves as the value.
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ZIP Verification
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No value. Operators serves as the value.
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Phone Verification
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No value. Operators serves as the value.
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EIN Verification
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No value. Operators serves as the value.
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Risk Indicator Code
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10 - The input business name matches OFAC file.
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11 - The input business name matches non-OFAC global watchlist(s)
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12 - Bankruptcy on record suggests the business may be defunct
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13 - Business not in good standing according to the Secretary of State
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14 - Business inactive according to the Secretary of State
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15 - Business is not registered at Secretary of State of input business state
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16 - The input business TIN is associated with a different business name and address
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Stage
The Stage determines at what Merchant Boarding or Transaction processing status that the Policy should take effect:
Stage | Description | Status Type |
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Create Entity | When an entity is created. | Merchant Boarding |
Pre-board | When the entity is created, but not yet boarded. | Merchant Boarding |
Underwriting | When an entity is being risk-reviewed for boarding. | Merchant Boarding |
Post-board | After the entity has passed risk review and completed boarding. | Merchant Boarding |
Transaction | For any transaction processing event. | Transaction Processing |
Activation | When a payment terminal is activated in a payment transaction. | Transaction Processing |
Auth | When a credit card is authorized for a transaction. | Transaction Processing |
Post-Auth | After a credit card has already been authorized for a transaction. | Transaction Processing |
Capture | When a credit card payment is captured. | Transaction Processing |
Refund | When a transaction refund is issued. | Transaction Processing |
E-Check | When an eCheck transaction is processed. | Transaction Processing |
Change Review | When a bank account change request occurs from an entity. | Merchant Boarding |
Decisions
Decisions serve as the central control points within a Policy, coordinating the application of Sub-Decisions, Rules and Dependencies with the initially specified risk service.
You can find all available Decisions here:
| Expand |
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| title | Click here to see a list of all Decisions. |
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Decision | Description | Available Sub Decisions |
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Realtime 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
| Realtime Business Search | Designed to identify Businesses 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
| MasterCard 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 Name 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
| Business Instant ID | Validates and verifies 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
| Consumer 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
| Consumer 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
| Transaction ThreatMetrix | | Review Status Policy Score Reason Codes Risk Rating
| ThreatMetrix Emailage | | | ThreatMetrix Fraudpoint | | | 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. | | Equifax Consumer Credit Report | | | Charity Check | Ensure charities are compliant with 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 | | | GIACT Transaction gAuthenticate | | | 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 Attribute | | | Transaction Authorization | | | AVS Response | | | 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. | | 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 Jurisdiction 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 Jurisdiction 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 | | | BaselineTxnMetricsOutlierTicketSize | | Sub-Decision Outlier Ticket Size Transaction Number Transaction Percentile Transaction Base |
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Sub-Decisions
Decisions utilize a modular approach called Sub-Decision to break down decisions tied to individual risk services like Realtime Member Search, ThreatMetrix, Equifax Consumer Credit Report, and more.
Policy Component | Description |
Subtype | The specific risk service or check corresponding to a distinct Decision type. |
Match Rule | Decides how the Sub-Decision is applied, either “All” (every owner meeting the criteria) or “Any” (only one owner having to meet the criteria). |
Risk Level | Optional prioritization based on the Merchant’s Risk Score (0-100), with Low (67-100), Medium (34-67), or High (0-33). |
Operator | Criteria filters determining the action based on the provided data from the risk service. |
Value | Specific data values associated with specific Operators. |
Action | The automated process(es) triggered when the Operator and Value criteria are met. |
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Subtypes
Subtypes are used to further specify the criteria needing to be met by the specific risk service data returned.
See the subtypes available for each decision below:
Realtime Member Search
| Expand |
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| title | Click here to see all Sub-Decisions for Realtime Member Search |
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Sub-Decision | Description | Operators | Valid Values |
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Entity Score | A score indicating confidence in the identity match. | | Score values: 0 - 100 | Address Conflict | Whether the address information for screening list entity matches. | | No value. Operators serves as the value. | Citizenship Conflict | Whether the citizenship information for screening list entity matches. | | No value. Operators serves as the value. | Country Conflict | Whether the country information for screening list entity matches. | | No value. Operators serves as the value. | DOB Conflict | Whether the Date of Birth information for screening list entity matches | | No value. Operators serves as the value. | Entity Type Conflict | Whether the Entity Type information for screening list entity matches | | No value. Operators serves as the value. | Gender Conflict | Whether the Date of Birth information for screening list entity matches | | No value. Operators serves as the value. | ID Conflict | Whether the ID information for screening list entity matches | | No value. Operators serves as the value. | Phone Conflict | Whether the ID information for screening list entity matches | | No value. Operators serves as the value. |
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Realtime Business Search
| Expand |
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| title | Click here to see all Sub-Decisions for Realtime Business Search |
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Sub-Decision | Description | Operators | Valid Values |
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Entity Score | A score indicating the confidence in the identity match. | | Score values: 0 - 100 | Address Conflict | Whether the address information for screening list entity matches. | | No value. Operators serves as the value. | Citizenship Conflict | Whether the citizenship information for screening list entity matches. | | No value. Operators serves as the value. | Country Conflict | Whether the country information for screening list entity matches. | | No value. Operators serves as the value. | DOB Conflict | Whether the Date of Birth information for screening list entity matches | | No value. Operators serves as the value. | Entity Type Conflict | Whether the Entity Type information for screening list entity matches | | No value. Operators serves as the value. | Gender Conflict | Whether the Date of Birth information for screening list entity matches | | No value. Operators serves as the value. | ID Conflict | Whether the ID information for screening list entity matches | | No value. Operators serves as the value. | Phone Conflict | Whether the ID information for screening list entity matches | | No value. Operators serves as the value. |
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Mastercard Match
| Expand |
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| title | Click here to see all Sub-Decisions for Mastercard Match |
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Sub-Decision | Description | Operators | Valid Values |
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Possible Matches | Indicates that any match was made with the MATCH watchlist. | | No value. Operators serves as the value. | Name | | | M00 - No Match M01 - Exact Match M02 - Phonetic Match
| DoingBusinessAsName | | | M00 - No Match M01 - Exact Match M02 - Phonetic Match
| Address | | | M00 - No Match M01 - Exact Match M02 - Phonetic Match
| Phone Number | | | M00 - No Match M01 - Exact Match M02 - Phonetic Match
| Alt Phone Number | | | M00 - No Match M01 - Exact Match M02 - Phonetic Match
| Country Subdivision Tax ID | | | M00 - No Match M01 - Exact Match M02 - Phonetic Match
| National Tax ID | | | M00 - No Match M01 - Exact Match M02 - Phonetic Match
| Service Provider Legal | | | M00 - No Match M01 - Exact Match M02 - Phonetic Match
| Service Provider DBA | | | M00 - No Match M01 - Exact Match M02 - Phonetic Match
| Representative Name | | | M00 - No Match M01 - Exact Match M02 - Phonetic Match
| Representative Address | | | M00 - No Match M01 - Exact Match M02 - Phonetic Match
| Representative Phone Number | | | M00 - No Match M01 - Exact Match M02 - Phonetic Match
| Representative Alt Phone Number | | | M00 - No Match M01 - Exact Match M02 - Phonetic Match
| Representative National ID | | | M00 - No Match M01 - Exact Match M02 - Phonetic Match
| Representative Drivers License | | | M00 - No Match M01 - Exact Match M02 - Phonetic Match
| ID Theft Rep National ID | | | M00 - No Match M01 - Exact Match M02 - Phonetic Match
| ID Theft Rep National Tax ID | | | M00 - No Match M01 - Exact Match M02 - Phonetic Match
| Termination Reason Code | | | 1 - Account Data Compromise 2 - Common Point of Purchase (CPP) 3 - Laundering 4 - Excessive Chargebacks 5 - Excessive Fraud 6 - Reserved for Future Use 8 - Mastercard Questionable Merchant Audit Program 9 - Bankruptcy/Liquidation/Insolvency 10 - Violation of Standards 11 - Merchant Collusion 12 - PCI Data Security Standard Noncompliance 13 - Illegal Transactions 14 - Identity Theft
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Business Instant ID
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Sub-Decision | Description | Operators | Valid Values |
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Business Score | The BVI (business verification index) is an index that summarizes the verification of the business information | | 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 | | | 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 | | | No value. Operators serves as the value. | Street Address Verification | | | No value. Operators serves as the value. | City Verification | | | No value. Operators serves as the value. | State Verification | | | No value. Operators serves as the value. | ZIP Verification | | | No value. Operators serves as the value. | Phone Verification | | | No value. Operators serves as the value. | EIN Verification | | | No value. Operators serves as the value. | Risk Indicator Code | | | 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 | Yes The operator serves as the value. If any result is present, fail for trigger the decisionDecision action. | Global Watch List Match | | Is Present | Yes The operator serves as the value. If any result is present, fail for trigger the decisionDecision action. | Business Risk Address Match | | Is Present | Yes The operator serves as the value. If any result is present, fail for trigger the decisionDecision action. | Business to Rep Link Index | | | 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. 20 - The input authorized rep’s SSN is the same as the input business FEIN. 30 - The input authorized rep’s address matches the business address on record. 40 - The input authorized rep’s address matches the personal address of a business contact on record. 50 - The input authorized rep’s first and last name matches the first and last name of a business contact on record.
| REP CVI Score | | | 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. 20 - The input authorized rep's SSN is the same as the input business FEIN. 30 - The input authorized rep's address matches the business address on record. 40 - The input authorized rep's address matches the personal address of a business contact on record. 50 - The input authorized rep's first and last name matches the first and last name of a business contact on record.
| REP Risk Indicator Score | | | 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 | | | | 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 | Yes The operator serves as the value. If any result is present, fail for trigger the decisionDecision action. | REP PO Box Address | | | No value. Operators serves as the value. | REP Decedent Match | | Is Present | Yes The operator serves as the value. If any result is present, fail for trigger the decisionDecision action. |
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Consumer Instant ID
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Sub-Decision | Description | Operators | Valid Values |
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CVI Code | | | 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 | | | 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 | | | 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 | | | 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 | Yes The operator serves as the value. If any result is present, fail for trigger the decisionDecision action. | SSN Match | | | | DOB Code | | | | PO Box Address | | | No value. Operators serves as the value. | Watch List Match | | Is PresentYes | The operator serves as the value. If any result is present, fail for trigger the decisionDecision action. | Red Flag Code | | | 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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Consumer Instant ID (Basic)
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Sub-Decision | Description | Operators | Valid Values |
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CVI Code | | | 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 | | | 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 | | | 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 | | | 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 PresentYes | The operator serves as the value. If any result is present, fail for trigger the decisionDecision action. | SSN Match | | | | DOB Code | | | | PO Box Address | | | No value. Operators serves as the value. | Watch List Match | | Is Present | Yes The operator serves as the value. If any result is present, fail for trigger the decisionDecision action. |
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ThreatMetrix
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Sub-Decision | Description | Operators | Valid Values |
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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. | | Pass Reject Review Challenge
| Policy Score | The policy score which is calculated as the sum of the individual risk weights of its rules. | | Score values: -100 to +100 | Reason Codes | The reason codes which indicate the rules that triggered during policy evaluation. | | | Risk Rating | The associated risk value based on policy score ranges determined in the policy settings. | | High Medium Low Neutral Trusted
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ThreatMetrix Transactions
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Sub-Decision | Description | Operators | Valid Values |
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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. | | Pass Reject Review Challenge
| Policy Score | The policy score which is calculated as the sum of the individual risk weights of its rules. | | Score values: -100 to +100 | Reason Codes | The reason codes which indicate the rules that triggered during policy evaluation. | | | Risk Rating | The associated risk value based on policy score ranges determined in the policy settings. | | High Medium Low Neutral Trusted
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ThreatMetrix Emailage
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Sub-Decision | Description | Operators | Valid Values |
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Fraud Risk Score | | | 0 – 999, with 0 representing very low risk and 999 representing very high risk. | 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 | | Matches Value No Match Is Empty
| | Phone Owner Match | | Matches Value No Match Is Empty
| | Phone Carrier Type | | Matches Value No Match Is Empty
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ThreatMetrix FraudPoint
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Sub-Decision | Description | Operators | Valid Values |
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Score | | | The three-digit score ranges from 300 (highest fraud risk) to 999 (lowest fraud risk). | 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 | | | |
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ThreatMetrix PhoneFinder
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Sub-Decision | Description | Operators | Valid Values |
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Consumer Time Last Seen With Phones | | | | Consumer Time with Phones | | | | Deceased Indicators | | | | Phone Verification Message | | | Input phone number cannot be verified. Input phone number matches name. Input phone number matches name and address. Input phone number matches last name.
| Primary Identity Full Name | | | No value. Operators serves as the value. | Primary Phone Carrier | | Matches Value No Match Is Empty
| | Primary Phone Type | | | Landline Cable Possible Wireless Possible VoIP Other/Unknown
Primary Phone Risk Count High | Primary Phone Risk Count High | | | | Primary Phone Risk Count Medium | | | | Primary Phone Risk Count Low | | | | Primary Phone Risk Indicator Messages | | | Phone is not active with this person. Phone # is a Prepaid Phone. First Seen Date is within X and Y days (first date range). First Seen Date is within X and Y days (second date range). First Seen Date is within X and Y days (third date range). Last Seen Date is older than "X" days. Primary Phone is listed as a Business. Primary Subject associated to the phone is deceased. Primary address is zoned as Business. Primary Phone Area Code is not in the same state as Primary Address. Primary address is not the "Current" address for the Primary Subject. Phone # has been ported within the past "X" days. Phone # has been ported more than "X" times with this person. Phone # has been spoofed within the past "X" days. Phone # was the origination phone used to spoof another phone # within the past "X" days. Phone # was the destination phone used in a spoofing activity within the past "X" days. Phone # was the spoofed phone used in a spoofing activity within the past "X" days. Phone # has had "X" search requests within the past "Y" days. Phone # has received "X" OTP requests within the past "Y" days. Phone # is associated with a No Contract Carrier. Phone # has been ported in the last "Input A" to "Input B" days (second date range). Phone # has been ported in the last "Input A" to "Input B" days (third date range). Phone Service Type is VOIP. Phone Service Type is Wireless. Phone Service Type is Landline. Phone # is currently being Forwarded. Phone service type is Other/Unknown. Phone service type is Cable. No First Seen Date associated with Phone #. No Last Seen Date associated with Phone #. No First Seen and Last Seen Date associated with Phone #. SIM Card Information has changed in the last "X" days. Device Information has changed in the last "X" days. Phone Number part of a recently rejected transaction in the Digital Identity Network. Phone Number present on Digital Identity Blacklist. Phone Number associated w/ fraud in the Digital Identity Network. The Digital Identity associated with the phone number has a bad reputation. Phone Number First Seen Recently in Digital Identity Network. High Count of Devices Associated to Phone Number in Past Month. High Count of Email Addresses Associated to Phone Number in Past Month. Phone Seen in High Number of Countries in the Past Month. Surname of Phone's Listing Name does not match Identity Found. Phone linked to identity by self-reported sources only. Phone Number is associated with more than "Input B" Identities. No Phone Associated with Subject*. No Identity*.
| Primary Phone Risk Indicator Status | | | | Primary Phone Status | | | | Primary Phone Verification Indicator | | | | Reason Codes | | | |
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LegitScript Register
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Sub-Decision | Description | Operators | Valid Values |
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Correlation ID | | Is Empty | Yes The operator serves as the value. If the correlation ID value is empty, fail for trigger the decisionDecision action. |
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Equifax Consumer Credit Report
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Sub-Decision | Description | Operators | Valid Values |
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FICO Score | A FICO Score is a three-digit number based on the information in credit reports. | | Score values: 300 - 850 | Reason Code | | | 00 - Returned when FICO® does not return a reason code (NO VERBIAGE RETURNED) 01 - Amount owed on accounts is too high 02 - Level of delinquency on accounts 03 - Too few bank revolving accounts 04 - Too many bank or national revolving accounts 05 - Too many accounts with balances 06 - Too many consumer finance company accounts 07 - Account payment history is too new to rate 08 - Too many inquiries last 12 months 09 - Too many accounts recently opened 10 - Ratio of balance to limit on bank revolving or other rev accts too high 11 - Amount owed on revolving accounts is too high 12 - Length of time revolving accounts have been established 13 - Time since delinquency is too recent or unknown 14 - Length of time accounts have been established 15 - Lack of recent bank revolving information 16 - Lack of recent revolving account information 17 - No recent non-mortgage balance information 18 - Number of accounts with delinquency 19 - Too few accounts currently paid as agreed 20 - Length of time since derogatory public record or collection is too short 21 - Amount past due on accounts 23 - Number of bank or national revolving accounts with balances 24 - No recent revolving balances 25 - Length of time installment loans have been established (Industry Scores only) 26 - Number of revolving accounts (Industry Scores only) 28 - Number of established accounts 29 - No recent bank/national revolving balances 30 - Time since most recent account opening is too short 31 - Too few accounts with recent payment information 32 - Lack of recent installment loan information 33 - Proportion of loan balances to loan amounts is too high 34 - Amount owed on delinquent accounts 36 - Length of time open installment loans have been established 38 - Serious delinquency, and derogatory public record or collection filed 39 - Serious delinquency 40 - Derogatory public record or collection filed 53 - Amount paid down on open mortgage loans is too low 55 - Amount paid down on open installment loans is too low 58 - Proportion of balances to loan amounts on mortgage accounts is too high 59 - Lack of recent revolving HELOC information 62 - Proportion of balances to credit limits on revolving HELOC accounts is too high 64 - Proportion of revolving HELOC balances to total revolving balances is too high 65 - Length of time bank/national revolving accounts have been established 67 - Length of time open mortgage loans have been established 70 - Amount owed on mortgage loans is too high 71 - Too many recently opened installment accounts 77 - Proportion of balances to loan amounts on revolving auto accounts is too high 78 - Length of time reported mortgage accounts have been established 79 - Lack of recent reported mortgage loan information 81 - Frequency of delinquency 85 - Too few active accounts 96 - Too many mortgage loans with balances 98 - Lack of recent auto finance loan information (Industry Scores only) 99 - Lack of recent consumer finance company account information (Industry Scores only) 999 - Notification of absence of a reason code.
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Charity Check
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Sub-Decision | Description | Operators | Valid Values |
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Subsection Code | These are category codes that describe the type of tax exempt organization that a business belongs to. | | 170(c)(1) Government Entity 4947(a)(1) Non-Exempt Charitable Trusts (Private Foundation) 4947(a)(1) Non-Exempt Charitable Trusts (Public Charity) 4947(a)(2) Split-Interest Trust 501(c)(1) Government Instrumentality 501(c)(3) Private Non-Operating Foundation 501(c)(3) Private Operating Foundation 501(c)(3) Public Charity 501(c)(4) Civic Leagues and Social Welfare Organizations 501(c)(5) Labor, Agricultural and Horticultural Organizations 501(c)(6) Business Leagues, etc. 501(c)(7) Social and Recreation Clubs 501(c)(8) Fraternal Beneficiary Societies 501(c)(9) Employees Associations 501(c)(10) Domestic Fraternal Societies 501(c)(11) Teachers' Retirement Fund Associations 501(c)(12) Local Benevolent Life Insurance Associations, Mutual Irrigation and Telephone Companies, and Like Co
501(c)(13) Cemetery Companies 501(c)(14) Credit Unions and Other Mutual Financial Organizations 501(c)(15) Mutual Insurance Company other than Life or Marine 501(c)(16) Corporations Financing Crop Operations 501(c)(17) Supplemental Unemployment Compensations Trust or Plan 501(c)(18) Employee Funded Pension Trust formed prior to June 1959 501(c)(19) Post or Organizations of War Veterans 501(c)(2) Title Holding Corporation 501(c)(20) Group Legal Services Plan Organization 501(c)(21) Black Lung Benefit Trusts 501(c)(23) Veterans Association formed prior to 1880 501(c)(24) Trust described in Section 4049 or ERISA 501(c)(25) Title Holding Corporations for Multiple Organizations (Pensions, etc.) 501(c)(26) State Sponsored High Risk Health Insurance Organization 501(c)(27) State Sponsored Workers Compensation Reinsurances 501(c)(29) ACA 1322 Qualified Nonprofit Health Insurance Issuers 501(d) Apostolic and Religious Organizations
501(e) Cooperative Hospital Service Organizations
501(n) Charitable Risk Pools 521(a) Farmers’ Cooperative 527 Political Organizations
| PUB78 Verified | You can check an organization's eligibility to receive tax-deductible charitable contributions which is known as "Pub. 78 Data". | | No value. Operators serves as the value. |
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GIACT Inquiry
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Sub-Decision | Description | Operators | Valid Values |
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Account Response Code | | | 0 - There is no AccountResponseCode value for this result. 1 - Invalid Routing Number - The routing number supplied fails the validation test. 2 - Invalid Account Number - The account number supplied fails the validation test. 3 - Invalid Check Number - The check number supplied fails the validation test. 4 - Invalid Amount - The amount supplied fails the validation test. 5 - The account was found as active in your Private Bad Checks List. 6 - The routing number belongs to a reporting bank; however, no positive nor negative information has been reported on the account number. 7 - This account should be declined based on the risk factor being reported. 8 - This item should be rejected based on the risk factor being reported. 9 - Current negative data exists on this account. Accept transaction with risk. (Example: Checking or savings accounts in NSF status, recent returns, or outstanding items) 10 - Non-Demand Deposit Account (post no debits), Credit Card Check, Line of Credit, Home Equity, or a Brokerage check. 11 12 - Account Verified – The account was found to be an open and valid checking account. 13 - AMEX – The account was found to be an American Express Travelers Cheque account. 14 - Non-Participant Provider – This account was reported with acceptable, positive data found in current or recent transactions. 15 - Savings Account Verified – The account was found to be an open and valid savings account. 16 17 18 19 - Negative information was found in this account's history. 20 - The routing number is reported as not currently assigned to a financial institution. 21 - No positive or negative information has been reported on the account. 22 - This routing number can only be valid for US Government financial institutions.
| Customer Response Code | | | 0 - There is no CustomerResponseCode value for this result. 1 - Information submitted failed gAuthenticate. 2 - Customer authentication passed gAuthenticate. 3 - The customer or business name data did not match gAuthenticate data. 4 - The customer's TaxId (SSN/ITIN) data did not match gAuthenticate data. 5 - The customer's address data did not match gAuthenticate data. 6 - The customer's phone data did not match gAuthenticate data. 7 - The customer's date of birth or ID data did not match gAuthenticate data. 8 - Multiple secondary data points did not match gAuthenticate data. 9 - Information submitted failed gIdentify/CustomerID. 10 - N/A 11 - Customer identification passed gIdentify/CustomerID. 12 - The customer or business name data did not match gIdentify/CustomerID data. 13 - The customer's TaxId (SSN/ITIN) data did not match gIdentify/CustomerID data. 14 - The customer's address data did not match gIdentify/CustomerID data. 15 - The customer's phone data did not match gIdentify/CustomerID data. 16 - The customer's date of birth or ID data did not match gIdentify/CustomerID data. 17 - Multiple secondary data points did not match gIdentify/CustomerID data. 18 - No data was found matching the customer information provided.
| Verification Response | | | 0 - There was an error with the inquiry. Check the ErrorMessage property for details. 1 - The bank account in the inquiry was found on the API user's private bad check list. 2 - The suggested action is to decline the bank account and/or customer data for this inquiry. 3 - The suggested action is to not accept an item with the check number on this inquiry. 4 - The suggested action is to further investigate or accept the bank account and/or customer data for this inquiry with known risk. 5 - The suggested action is to further investigate the bank account and/or customer data for this inquiry due to a risk alert. 6 - The suggested action is to accept the bank account and/or customer data for this inquiry. 7 - The bank account in the inquiry is a Non-Demand Deposit account. 8 - There was negative data found associated with the account. 9 - No data was found for the bank account and/or customer data.
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GIACT Transaction Inquiry
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Sub-Decision | Description | Operators | Valid Values |
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Account Response Code | | | 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22
| Customer Response Code | | | 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18
| Verification Response | | | |
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GIACT gAuthenticate
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Sub-Decision | Description | Operators | Valid Values |
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Verification Result | | | | Account Verification Result | | | | Account Authentication Result | | | | Account Owner Signer | | | |
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GIACT Transaction gAuthenticate
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Sub-Decision | Description | Operators | Valid Values |
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Verification Result | | | | Account Verification Result | | | | Account Authentication Result | | | | Account Owner Signer | | | |
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Payrix Payload Attribute
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Sub-Decision | Description | Operators | Valid Values |
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Entity Type | | | | Entity Public | | | | Entity Client IP | | Is Empty | The operator serves as the value. If the value is empty, trigger the Decision action. | Entity TC Date | | Is Empty | The operator serves as the value. If the value is empty, trigger the Decision action. | Entity TC Accept Date Is Empty | | Is Empty | The operator serves as the value. If the value is empty, trigger the Decision action. | Entity TC Version | | Is Empty | The operator serves as the value. If the value is empty, trigger the Decision action. | Entity TIN Status | | | | Entity Industry | | Is Present | The operator serves as the value. If any result is present, trigger the Decision action. | Merchant Environment | | | | Merchant Annual Credit Card Sales | | | | Monthly Volume | | | | Merchant Average Ticket | | | | Merchant Established Date | | | | Merchant MCC | | | | Plaid Verification | | | No value. Operators serves as the value. | Custom | | Matches Value No Match Is Present Is Empty
| | Members Significant Responsibility | | Falsy | | Members Politically Exposed | | | | Members SSN | | | | TIN | | | | Global Business ID | | | | Email Domain | | Matches Value | | Routing Number | | Matches Value | | Change Request | | Matches Value | | Division ID | | | |
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Payrix Payload Transaction Attribute
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Sub-Decision | Description | Operators | Valid Values |
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Entity Type | | | | Entity Public | | | | Entity Client IP | | Is Empty | The operator serves as the value. If the value is empty, trigger the Decision action. | Entity TC Date | | Is Empty | The operator serves as the value. If the value is empty, trigger the Decision action. | Entity TC Accept Date | | Is Empty | The operator serves as the value. If the value is empty, trigger the Decision action. | Entity TC Version | | Is Empty | The operator serves as the value. If the value is empty, trigger the Decision action. | Entity TIN Status | | | | Entity Industry | | Is Present | The operator serves as the value. If any result is present, trigger the Decision action. | Merchant Environment | | | | Merchant Annual Credit Card Sales | | | | Monthly Volume | | | | Merchant Average Ticket | | | | Merchant Established Date | | | | Merchant MCC | | | | Plaid Verification | | | No value. Operators serves as the value. | Custom | | Matches Value No Match Is Present Is Empty
| | Transaction Payment Method | | | Amex Visa Mastercard Diners Club Discover PayPal Debit Checking Savings Corporate Checking Corporate Savings Gift Card EBT WIC
| Transaction Total | | | | Routing Number | | Matches Value | | Imported | | | | Type | | | | Card on File Type | | | Single Scheduled Unscheduled
| Origin | | | | Token | | | |
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Risk Rating
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Sub-Decision | Description | Operators | Valid Values |
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Credit Card Exposure | | | | Credit Risk Level | | | Low Medium High Prohibited Restricted
| Total Exposure | | | | ACH Exposure | | | | AML Risk Level | | | Low Medium High Prohibited Restricted
| AML Score | | | | AML Risk Category | | | |
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Transaction Size
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Sub-Decision | Description | Operators | Valid Values |
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Transaction Total | | | |
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Transaction Attribute
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Sub-Decision | Description | Operators | Valid Values |
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Transaction Token | | | | Transaction CVV Status | | | | Transaction CVV Sent | | | | Transaction Card-on-File Type | | | | Transaction Auth Code | | | | Transaction IP Created | | | | Transaction Type | | | | Merchant Last Activity | | Days Passed | |
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Transaction Authorization
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Sub-Decision | Description | Operators | Valid Values |
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Auth Code | | Is Empty | The operator serves as the value. If the value is empty, trigger the Decision action. |
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AVS Response
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Sub-Decision | Description | Operators | Valid Values |
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Transaction Result AVS Code | | | |
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Country Block
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Sub-Decision | Description | Operators | Valid Values |
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Daily All Sub-Decision | Description | Operators | Valid Values |
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Country Code | | | 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
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Transaction Metrics
- Vanuatu WLF - Wallis and Futuna WSM - Samoa XXK - Kosovo YEM - Yemen ZAF - South Africa ZMB - Zambia ZWE - Zimbabwe
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Transaction Metrics
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| title | Click here to see all Sub-Decisions for Transaction Metrics |
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Sub-Decision | Description | Operators | Valid Values |
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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 All Cards Present Transactions Amount | | | | Daily Declined Cards Present Transactions Count | | | | Daily Declined Cards Present Transactions Amount | | | | Daily Card Cards-Not-Present Transactions Count | | | | Daily Card Cards-Not-Present Transactions Amount | | | | Daily Declined Card Cards-Not-Present Transactions Count | | | | Daily Declined Card Cards-Not-Present Transactions Amount | | | | Daily Cards Present Bank Transactions Count | | | | Daily Cards Present Bank Transactions Amount | | | | Daily Declined Cards Present Bank Transactions Count | | | | Daily Declined Cards Present Bank Transactions Amount | | | | Daily Cards-Not-Present Transactions Refunds Count | | | | Daily Cards-Not-Present Transactions Refunds Amount | | | | Daily Declined Cards-Not-Present Transactions Refunds Count | | | | Daily Declined Cards-Not-Present Transactions Refunds Amount | | | | Daily Bank Transactions CountSales | | | | Daily Bank Transactions AmountBad Authentications | | | | Daily Declined Bank Transactions CountSuccessful Authentications | | | | Daily Declined Bank Transactions AmountWeekly All Transactions Count | | | | Daily Refunds CountWeekly All Transactions Amount | | | | Daily Refunds AmountWeekly Declined Transactions Count | | | | Daily Weekly Declined Refunds CountTransactions Amount | | | | Daily Declined Refunds AmountWeekly Card Transactions Count | | | | Daily SalesWeekly Card Transactions Amount | | | | Daily Bad AuthenticationsWeekly Declined Card Transactions Count | | | | Daily Successful AuthenticationsWeekly Declined Card Transactions Amount | | | | Weekly All Cards Present Transactions Count | | | | Weekly All Cards Present Transactions Amount | | | | Weekly Declined WeeklyDeclined Cards Present Transactions Count | | | | Weekly Declined Cards Present Transactions Amount | | | | Weekly Card Cards-Not-Present Transactions Count | | | | Weekly Card Cards-Not-Present Transactions Amount | | | | Weekly Declined Card Cards-Not-Present Transactions Count | | | | Weekly Declined Card Cards Not Present Transactions Amount | | | | Weekly Cards Present Bank Transactions Count | | | | Weekly Cards Present Bank Transactions Amount | | | | WeeklyDeclined Cards Present Weekly Declined Bank Transactions Count | | | | Weekly Declined Cards Present Bank Transactions Amount | | | | Weekly Cards-Not-Present Transactions Refunds Count | | | | Weekly Cards-Not-Present Transactions Refunds Amount | | | | Weekly Declined Cards-Not-Present Transactions Refunds Count | | | | Weekly Declined Cards Not Present Transactions Refunds Amount | | | | Weekly Bank Transactions CountSales | | | | Weekly Bank Transactions AmountBad Authentications | | | | Weekly Declined Bank Transactions CountSuccessful Authentications | | | | Weekly Declined Bank Transactions AmountMonthly All Transactions Count | | | | Weekly Refunds CountMonthly All Transactions Amount | | | | Weekly Refunds AmountMonthly Declined Transactions Count | | | | Weekly Monthly Declined Refunds CountTransactions Amount | | | | Weekly Declined Refunds AmountMonthly Card Transactions Count | | | | Weekly SalesMonthly Card Transactions Amount | | | | Weekly Bad AuthenticationsMonthly Declined Card Transactions Count | | | | Weekly Successful AuthenticationsMonthly Declined Card Transactions Amount | | | | Monthly All Cards Present Transactions Count | | | | Monthly All Cards Present Transactions Amount | | | | Monthly Declined Cards Present Transactions Count | | | | Monthly Declined Cards Present Transactions Amount | | | | Monthly Card Cards-Not-Present Transactions Count | | | | Monthly Card Cards-Not-Present Transactions Amount | | | | Monthly Declined Card Cards-Not-Present Transactions Count | | | | Monthly Declined Card Cards-Not-Present Transactions Amount | | | | Monthly Cards Present MonthlyBank Transactions Count | | | | Monthly Cards Present MonthlyBank Transactions Amount | | | | Monthly Declined Cards Present Bank Transactions Count | | | | Monthly Declined Cards Present Bank Transactions Amount | | | | Monthly Cards-Not-Present Transactions Refunds Count | | | | Monthly Cards-Not-Present Transactions Refunds Amount | | | | Monthly Declined Cards-Not-Present Transactions Refunds Count | | | | Monthly Declined Cards-Not-Present Transactions Refunds Amount | | | | MonthlyBank Transactions CountMonthly Bad Authentications | | | | MonthlyBank Transactions AmountMonthly Successful Authentications | | | Monthly Declined Bank Transactions Count | | Monthly Declined Bank Transactions Amount |
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TIN Check
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Sub-Decision | Description | Operators | Valid Values |
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TIN Score | A score indicating the confidence in the TIN Match Code | |
Monthly Refunds Count | | Monthly Refunds Amount | | Monthly Declined Refunds Count | | Monthly Declined Refunds Amount | | Monthly Bad Authentications | | Monthly Successful Authentications | | |
TIN Check
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Sub-Decision
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Description
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Operators
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Valid Values
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TIN Score
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A score indicating the confidence in the TIN Match Code
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Status Code
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A status code indicating the match or mismatch of the TIN Matching service.
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Matches Value
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Status Code | A status code indicating the match or mismatch of the TIN Matching service. | Matches Value | |
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Trulioo Identity Document Verification (IDV)
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| title | Click here to see all Sub-Decisions for Identity Document Verification |
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Sub-Decision | Description | Operators | Valid Values |
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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 | | | |
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Trulioo Business Verification
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| title | Click here to see all Sub-Decisions for Identity Document Trulioo Business Verification |
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Sub-Decision | Description | Operators | Valid Values |
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Record Status |
| | Surname | | No Match Match MissingGiven Name | | | | Address Line 1 | | | | Postal Code | | | |
Day of BirthMonth of BirthYear of BirthTelephone Business Registration Number | | | |
State or Province CodeJurisdicition of Incorporation | | | |
Email AddressTIN | Tax ID Number | | | Found in Directors Officers | | | No value. Operators serves as the value. | Found in Company Ownership | | | No value. Operators serves as the value. |
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Trulioo Async Business Verification
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Sub-Decision | Description | Operators | Valid Values |
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Record Status | | | | Address Line 1 | | | | Postal Code | | | | City | | | | State or Province Code | | | | Business Name | | | | Business Registration Number | | | | Jurisdicition of Incorporation | | | | TIN | Tax ID Number | | | Found in Directors Officers | | | No value. Operators serves as the value. | Found in Company Ownership | | | No value. Operators serves as the value. |
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Trulioo
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Anti-Money Laundering Identity Document Verification (AML IDV)
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| title | Click here to see all Sub-Decisions for Async Business Trulioo Anti-Money Laundering Identity Document Verification |
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Sub-Decision | Description | Operators | Valid Values |
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Record Status | | | |
Address Line 1Postal CodeCityState or Province Business NameBusiness Registration NumberJurisdicition IncorporationTIN | Tax ID Found in Directors Officers | | No value. Operators serves as the value. | Found in Company Ownership | | No value. Operators serves as the value. | |
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State or Province Code | | | | Email Address | | | |
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Plaid Get Identity
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| title | Click here to see all Sub-Decisions for Trulioo Anti-Money Laundering Identity Document VerificationPlaid Get Identity |
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Sub-Decision | Description | Operators | Valid Values |
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Record Status |
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Available | | | | Current | | | | ISO Currency Code | | Matches Value No Match Is Empty
| | Unofficial Currency Code | | | | Official Name | | | | Type | | |
Missing Surname | Depository Credit Loan Investment Other
| Depository Subtype | | |
| Given Name | | | Address Line 1 | | | Postal Code | | | Day of Birth | | | Month of Birth | | | Year of Birth | | | Telephone Number | | | State or Province Code | | | Email Address | | | |
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| Phone-Email Mismatch | | | No value. Operators serves as the value. | Email-Zip Code Mismatch | | | No value. Operators serves as the value. |
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Plaid Identity Match
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Sub-Decision | Description | Operators | Valid Values |
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Legal Name Score | | | | Phone Number Score | | | | Email Address Score | | | | Address Score | | | | Business Name Detected | | | No value. Operators serves as the value. | First or Last Name Match | | | No value. Operators serves as the value. | Postal Code Match | | | No value. Operators serves as the value. |
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Plaid Transaction Identity Match
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Sub-Decision | Description | Operators |
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Valid Values | Available | Valid Values |
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Legal Name Score | | | | Phone Number Score | | |
CurrentPhone-Email Mismatch | ISO Currency Code | Matches Value No Match Is Empty
| | Unofficial Currency Code | | Official Name | | Type | | Depository Credit Loan Investment Other
| Depository Subtype | | | Address Score | | | | Business Name Detected | | | No value. Operators serves as the value. | First or Last Name Match | | | No value. Operators serves as the value. |
Email-Zip MismatchMatch | | | No value. Operators serves as the value. |
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Plaid Transaction Get Identity
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| title | Click here to see all Sub-Decisions for Plaid Transaction Get Identity Match |
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Sub-Decision | Description | Operators | Valid Values |
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Legal Name ScorePhone Number ScoreFirst or Last Name Match | Email Address Score | | Address Score | | Business Name Detected | | No value. Operators serves as the value. | ISO Currency Code | | Matches Value No Match Is Empty
| | Unofficial Currency Code | | | | Official Name | | | | Type | | | Depository Credit Loan Investment Other
| Depository Subtype | | | | Phone-Email Mismatch | | | No value. Operators serves as the value. |
Postal MatchMismatch | | | No value. Operators serves as the value. |
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Plaid Transaction
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Get Authorization (Auth)
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| title | Click here to see all Sub-Decisions for Plaid Transaction Identity MatchGet Authorization (Auth) |
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Sub-Decision | Description | Operators | Valid Values |
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Legal Name ScorePhone Number Score | | ISO Currency Code | | Matches Value No Match Is Empty
| | Unofficial Currency Code | | | | Last Updated Date and Time | | |
Email Address Score | | Address Score | | Business Name Detected | | No value. Operators serves as the value. | First or Last Name Match | | No value. Operators serves as the value. | Postal Code Match | | Official Name | | | | Type | | | Depository Credit Loan Investment Other
| Depository Subtype | | | | Verification Status | | | | Insufficient Funds | | | No value. Operators serves as the value. |
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Baseline Transaction Metrics Outlier Ticket Size
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| title | Click here to see all Sub-Decisions for Plaid Transaction Get Identity |
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Sub-Decision | Description | Operators | Valid Values |
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Available| Baseline Transaction Metrics Outlier Ticket Size |
| Sub-Decision | Description | Operators | Valid Values |
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Outlier Ticket Size | | | No value. Operators serves as the value. | Transaction Number | | | | Transaction Percentile | | |
CurrentISO Currency Code | Is Empty | Unofficial Currency Code | | Official Name | | Type | | Depository Credit Loan Investment Other
| Depository Subtype | | | Phone-Email Mismatch | | No value. Operators serves as the value. | Email-Zip Code Mismatch | | No value. Operators serves as the value. | |
Plaid Transaction Get Authorization (Auth)
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| title | Click here to see all Sub-Decisions for Plaid Transaction Get Authorization (Auth) |
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Sub-Decision
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Description
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Operators
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Valid Values
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Available
Match Rule
Match Rules are criteria deciding how the sub-decision will be applied based on who triggers it.
All - Requires every owner to meet the criteria for the action to be applied.
Any - Requires only one owner to meet the criteria for the action to be applied.
Risk Level
Risk Level sets an optional prioritization to apply the sub-decision action based on the Merchant’s Risk Score range, between 0 and 100, 0 being the highest risk and 100 being the lowest. This Merchant Risk Score is displayed on the Merchant Risk Management Details page:
Low - 67-100
Medium - 34 to 66
High - 0 to 33
Operators
Operators act as the criteria filter for each Sub-Decision to read the data provided and trigger the configured Decision action accordingly.
Operator | Description | Example |
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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. |
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Less than or equal to threshold.
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Current
Sets a range above the preset threshold value to trigger the Decision action at or above. | Entity Score: Greater than or equal to |
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89. |
Less than or equal to threshold. |
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Limit
Sets a range below the preset threshold value to trigger the Decision action at or below. | FICO Score: Less than or equal to |
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Less than or equal to threshold.
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ISO Currency Code
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Matches Value
No Match
Is Empty
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Unofficial Currency Code
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Last Updated Date and Time
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. |
Value
Each Value will be dependent on the available Operators for each Subtype.
Truthy, Falsy,Is Present, and IsEmpty Operators do not require a Value to be set.
Greater than or equal to threshold
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, Less than or equal to threshold
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Official Name
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Type
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Depository
Credit
Loan
Investment
Other
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Depository Subtype
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Verification Status
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Insufficient Funds
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No value. Operators serves as the value.
Baseline Transaction Metrics Outlier Ticket Size
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| title | Click here to see all Sub-Decisions for Baseline Transaction Metrics Outlier Ticket Size |
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Sub-Decision
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Description
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Operators
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Valid Values
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Outlier Ticket Size
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No value. Operators serves as the value.
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Transaction Number
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Transaction Percentile
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Transaction Base
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Greater than or equal to threshold.
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Less than or equal to threshold.
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Matches Value
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Operators require a specific Value to be set:
Applicable Values for each risk service being reviewed are available in the Subtypes sections above.
Actions
Decision Actions are set automated processes that take place when the specific Subtype’s Operator and Value criteria are met.
Action | Description |
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Skipped | The Sub-Decision will skip the transaction or Merchant without taking the specific action of that Sub-Decision, but may still apply to other Sub-Decision in a Policy. |
Pass | The Merchant or Transaction meets the criteria and is allowed to pass without any action taking place. |
None | No Action will occur. |
Errored | Respond to Merchant Boarding or Transaction processing with an error. |
Reserve | The funds for the transaction will not be released until the Transaction is manually reviewed. |
Hold | The transaction not be captured until it is manually released. |
Block | Block the Transaction from proceeding or Merchant from boarding. This returns an error. |
Post Review Only | The Merchant or Transaction is flagged for review, but no immediate action is taken allowing for a Post Review decision to be made |
Approve | The Merchant or Transaction is released from any holds and approved to board or process respectively. |
Manual Review | The Merchant or Transaction in question is held for manual review. |
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Rules
Rules are additional Sub-Decision criteria that can be optionally applied in a series of and/or linking, similar to traditional Conditional Rules shown on Decisions.
Note: All additional criteria and parameters for Rules are the same as those available from the Sub-Decision
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Dependencies
Each Decision supports other conditional Decisions known as Dependencies. All Dependencies of the Decision will execute first and the Decision itself will only run if all dependencies have passed.
There must be at least one Decision with no dependencies in the list of Decisions.
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Failover Dependencies
An optional type of dependency in case of a timeout error from the initial subtype’s risk service.
Fail Reason | Description |
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Timeout | The service for another Decision in the Policy and Subtype criteria search has timed out. |