Use Case: Automate Risk Decisions for Groups

Facilitators and Referrers can automate risk actions for Merchant Groups to mitigate risk for actions that occur within the specific Group as an efficient way to group higher-risk Merchants and apply stricter risk criteria that won’t apply to all Merchants in your portfolio. This tutorial will walk you through the steps to set up an automated risk decision for a Merchant Group.

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View of the Decisions menu inside the Group Profile page.

Objective

Use Decisions to automate risk review and actions at a Merchant Group level.


Audience

  • Facilitators

  • Referrers

Environment

  • Portal (Sandbox)

  • Portal (Production)


Prerequisites

Prerequisites:

  • You must have a fully boarded Payrix account to perform any of the actions described in the use case guides.

Additional Resources


Create Risk Decisions for a Merchant Group

1. Access the Group Profile

  • Step 1: Click Groups in the left-hand navigation under the Management category to open the Groups page.

  • Step 2: Locate the group in the table and click on any information in the table row to open the Group Profile page.

2. Add a Decision to the Group Profile

  • Step 1: Click Decisions in the list of tabs on the left-hand side of the page.

  • Step 2: Click the Add Decision button in the upper right-hand corner.

  • Step 3: Select a Decision Type from the drop-down:

    • Consumer Transaction Risk - Risk behaviors related to specific consumer transactions.

    • Merchant Transaction Risk - Risk behaviors related to an overall Merchant.

    • Boarding - Risk behaviors related to Merchant boarding.

    • Refunds - Risk behaviors related to Merchant refund issuance.

    • Watchlists - Risk behaviors related to OFAC watchlist and other custom watchlist configurations.

  • Step 4: Select a Decision for the related Decision Type from the drop-down.

  • Step 5: Click the Continue button to proceed.

3. Configure the Decision Details

  • Step 1: After setting your Decision Type and Decision, input or select the value.

  • Step 2: Select the Action from the Take this Action drop-down:

    • Block Authorization - Indicates that the specific conditions have not been met and the transaction status will be Failed

    • Send Funds to Reserve - Indicates that a merchant has been flagged above a specific threshold or percentage and will automatically create a reserve.

    • Hold for Manual Review - Indicates unclear or insufficient data submitted from Merchants during boarding or flagged transactions processed or attempted by the Merchant.

  • Step 3: (Optional) Select the user you want the action to be assigned to specifically.

  • Step 4: Add any remaining decision rule criteria.

  • Step 5: (Optional) For some Decision Types, you can link additional Decisions within.

  • Step 6: Click the Continue button to complete the Decision creation.

Result: The Decision is now created for the Group and will apply automated risk decisions in the determined circumstances.

Next Steps

After creating your automated risk decision for your group, review the following guides for related issues:


Conclusion

You’ve now successfully created your Group Risk Decision to automate actions taken based on risk-based behaviors that occur within the group.


References

Click the links or items below to access any of the following pages: