Payments with fraud analysis

Analyze the fraud risk in an online payment

You can verify whether a transaction is likely to be a fraud or not during an authorization. This verification can be triggered in different stages of the transaction, according to the rules defined by the client. The fraud analysis will have a different behavior for each type of integration, as described below :

Integration TypeDescriptionRequired Parameters
Pre-authorization analysisBefore the transaction is submitted for authorization, the fraud analysis assesses whether it is of high risk or not. This avoids risky transactions being sent for authorization.FraudAnalysis.Sequence is "AnalyseFirst"
Analysis after authorizationBefore the transaction is sent to the fraud analysis, it will be sent for authorization.FraudAnalysis.Sequence is "AuthorizeFirst"
Analysis of authorized transactionsThe fraud analysis is only triggered to analyze transactions with the "authorized" status. This avoids the cost of unauthorized transactions analyses.FraudAnalysis.Sequence is "AuthorizeFirst" and FraudAnalysis.SequenceCriteria is "OnSuccess"
Analysis in any eventRegardless of the transaction status after authorization, the fraud analysis will examine the risks.FraudAnalysis.Sequence is "AuthorizeFirst", FraudAnalysis.SequenceCriteria is "Always"
Authorization in any eventRegardless of the transaction fraud score, it will always be submitted for authorization.FraudAnalysis.Sequence is "AnalyseFirst", FraudAnalysis.SequenceCriteria is "Always"
Capture secure transactionsAfter the fraud analysis, an authorized transaction is automatically captured if tagged as low risk. In the case of manual review, the transaction will be automatically captured as soon as Braspag is notified of the new status "Accept".FraudAnalysis.Sequence is "AuthorizeFirst", FraudAnalysis.CaptureOnLowRisk is "true", Payment.Capture is "false"
Cancel a suspect transactionIf the fraud analysis sets high risk for an already authorized or captured transaction, it will be immediately canceled or reversed. In the case of manual review, the transaction will be automatically canceled or reversed as soon as Braspag is notified of the new status "Reject".FraudAnalysis.Sequence is "AuthorizeFirst", FraudAnalysis.VoidOnHighRisk is "true"

If not otherwise specified during authorization, Cielo will process your transaction through the following flow:

  • FraudAnalysis.Sequence as "AuthorizeFirst",
  • FraudAnalysis.SequenceCriteria as "OnSuccess",
  • FraudAnalysis.VoidOnHighRisk as "false",
  • FraudAnalysis.CaptureOnLowRisk as "false".

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How to integrate fraud analysis

Fraud analysis through the Cielo E-commerce API is a service offered by contract. It is possible to perform fraud analysis through one of the available Antifraud providers.

Check details in the API Reference:

Create a payment with fraud analysis with ClearSale;
Create a payment with fraud analysis with Cybersource.