Fraud
Unified Commerce solutions provide clients with a framework to integrate with 3rd party fraud detection services to hold orders which are flagged as fraudulent, ensuring they are not released for fulfillment until a fraud review is performed. If an order has been put on hold due to potential fraud, then a fraud analyst can analyze the situation and take steps to resolve the alert.
Unified Commerce has pre-built apps with many 3rd party fraud providers which can be leveraged out of the box. Please see each 3rd party vendor to view what functionalities are available.
Third Party Integrations
1 - Adyen
What is Adyen?
Adyen is a global payment company that allows retail businesses to accept e-commerce, mobile, and point-of-sale payments.
What does this integration include?
This page details Unified Commerce integration with Adyen Payment Gateway for the following processes:
- Fraud – Payment Method fraud review using Adyen RevenueProtect (RP)
Processes by Payment Type
Processes by Payment Type supported by Adyen as a part of this App are as follows:
| Payment Type | Fraud |
|---|
| Apple Pay | Yes |
| Bancontact | Yes |
| Credit Card | Yes |
| Gift Card | Yes |
| iDeal | Yes |
| Klarna | Yes |
| PayPal | Yes |
Fraud
Fraud is processed with Ayden RevenueProtect (RP) to provide capabilities to automate and streamline Order Reviews and Fraud Case Management operations. This feature adds the ability to support fraud check and case resolution between Unified Commerce and RP. When an order is updated in RP after being placed on fraud hold, RP provides notifications to Unified Commerce on any Fraud Status/Result changes.
2 - ClearSale
What is ClearSale?
ClearSale is a fraud management and chargeback protection services company.
What does this integration include?
Unified Commerce is not integrated with ClearSale out of the box. This integration enables communication with ClearSale by altering the base functionality in the following ways:
- Fraud Call
- Fraud Retry
- Manual Review from ClearSale
- Manual Updates in Unified Commerce
Fraud Call
For the defined order types Unified Commerce makes a call to ClearSale for fraud check before the order is released. ClearSale responds with a fraud decision - accept, failure, or review. For accept, the fraud hold is removed and the order is eligible for release. For failure, Unified Commerce cancels the order, and for review, the order is updated with a fraud review hold that requires a manual fraud review.
Fraud Retry
If no response is received from the fraud call to ClearSale, Unified Commerce has a retry scheduler to retry the fraud call on a configurable schedule.
Manual Review
If a manual fraud review is required, ClearSale sends an asynchronous message when the fraud analysts makes a final decision. Unified Commerce processes the message and updates the order with the fraud details according to the fraud response - accept or failure. The asynchronous message must be translated to the format defined as part of this integration.
Manual Update
In an exception scenario where ClearSale is unavailable for an extended period, a fraud analyst may remove a fraud hold in Unified Commerce directly given that the user has the newly added permission. Without this permission, the user is prevented from editing orders on a fraud hold or removing the fraud specific holds from the order.
3 - CyberSource
What is Decision Manager?
CyberSource’s Decision Manager is a fraud protection platform, which features a flexible rules engine. Decision Manager allows customers to screen orders for risk to help prevent fraud.
What does this integration include?
This integration extends the base-supported authorization integration with CyberSource by utilizing three methods:
- Combo Call (Adding Fraud fields to Authorization Call)
- Review Fraud Status Calls
- Stand Alone Fraud Calls
The Decision Manger API allows for integration between Unified Commerce and CyberSource’s Decision Manager. The integration with Decision Manager (DM) provides the client capabilities to automate and streamline Order Reviews and Fraud Management operations.
Combo Call
For orders placed in the Unified Commerce Customer Servic emodule, a call to CyberSource for authorization is made with the additional fields added for CyberSource to perform the fraud check before the order is released. CyberSource responds with a fraud decision - accept, failure, or review. For accept, the fraud hold is removedand the order is eligible for release. For failure, Unified Commerce cancels the order, and for review, the order is updated with a fraud review hold that requires a manual fraud review.
Review Status Call
Unified Commerce periodically checks the fraud status of any order that is in Fraud Review with CyberSource DM. This task utilizesthe DM API to check the status of the order and allows Unified Commerce to process any updates based on manual review of the order.
Standalone Calls
For order edits where no new authorization is required, Unified Commerce sends a standalone fraud call to CyberSource DM and updates the order based on the fraud response.
4 - Signifyd
What is SIGNIFYD?
Signifyd is a software as a service fraud and chargeback prevention technology. Signifyd’s technology helps detect and prevent fraud.
What does this integration include?
Unified Commerce is not integrated with Signifyd out of the box. This integration enables communication with Signifyd by altering the base functionality in the following ways:
- Ability to perform Fraud Check for orders created via Unified Commerce Call Center Application and order modifications done during the remorse period
- Fraud Retry
- Manual Fraud Review
- Manual Fraud Update
Fraud Check
For the defined order types Unified Commerce makes a call to Signifyd for fraud check before the order is released. Signifyd responds with a fraud decision – accept, failure, or review. For accept, the fraud hold is removed and the order is eligible for release. For failure, Unified Commerce cancels the order, and for review, the order is updated with a fraud review hold that requires a manual fraud review.
Fraud Retry
If no response is received from the fraud call to Signifyd, Unified Commerce has a retry scheduler to retry the fraud call on a configurable schedule.
Manual Review
If a manual fraud review is required, Signifyd sends an asynchronous message when the fraud analysts makes a final decision. Unified Commerce processes the message and updates the order with the fraud details according to the fraud response – accept or failure. The asynchronous message must be translated to the format defined as part of this integration.
Manual Update
In an exception scenario where Signifyd is unavailable for an extended period, a fraud analyst may remove a fraud hold in Unified Commerce directly given that the user has the newly added permission. Without this permission, the user is prevented from editing orders on a fraud hold or removing the fraud specific holds from the order.