Fraud analysis flows

The Antifraude Gateway forwards transaction data to an antifraud provider for analysis. Providers use technologies such as machine identification, IP geolocation, social media analysis, proxy detection and retry counters. Braspag receives a recommendation from the provider in real time and can then take action based on the fraud risk identified by the analysis.

There are two possible flows for fraud analysis:

Fraud analysis first (AnalyzeFirst): all transactions are first subjected to Antifraude analysis and, if accepted, proceed to the acquirer's authorization process.
Authorization first (AuthorizeFirst): All transactions are first submitted for authorization at the acquirer and, if authorized, are sent for Antifraude analysis.

*Review status is only returned if it is included in your plan.

Fraud analysis first (AnalyzeFirst)

The merchant requests fraud analysis from Antifraude;
Antifraude returns the status Accept, Reject or Review;
The merchant sends the transaction request to the payment gateway;
The payment gateway requests authorization from the acquirer;
The acquirer authorizes the transaction or authorizes and captures;

Authorization First (AuthorizeFirst)

The merchant sends the transaction request to the payment gateway;
The payment gateway requests authorization from the acquirer;
The acquirer authorizes the transaction;
The payment gateway returns the authorization response;
The store merchant fraud analysis from Antifraude;
Antifraude returns the status Accept, Reject or Review.

The chosen flow must be determined during integration, because it is part of the application architecture.

If after integration you wish to change the fraud analysis flow, request Braspag support, as there are details involved in a possible change, especially in relation to speed rules.

AuthorizeFirst x AnalyseFirst

Check below the risk analysis behavior according to each type of integration:

Tipo de Integração	Descrição	Parâmetros Necessários
Authorization first	The transaction is sent for authorization and then analyzed by Antifraude,	`FraudAnalysis.Sequence` equals to "AuthorizeFirst"
Analysis first	The transaction is analyzed by Antifraude and then sent for authorization. This prevents high-risk transactions from being sent for authorization.	`FraudAnalysis.Sequence` equals to "AnalyseFirst"
Analysis of authorized transactions	Antifraude is only activated to analyze authorized transactions, avoiding the cost of analyzing transactions that would not receive authorization.	`FraudAnalysis.Sequence` equals to "AuthorizeFirst" and `FraudAnalysis.SequenceCriteria` equals to "OnSuccess"
Analysis in any case	Antifraude is triggered regardless of the transaction status after authorization.	`FraudAnalysis.Sequence` equals to "AuthorizeFirst" and `FraudAnalysis.SequenceCriteria` equals to "Always"
Authorization in any case	The transaction will be sent for authorization regardless of its fraud score.	`FraudAnalysis.Sequence` equals to "AnalyseFirst" and `FraudAnalysis.SequenceCriteria` equals to "Always"
Secure transaction capture	After fraud analysis, capture will be automatic for authorized transactions defined as low risk. For stores that use manual review, the transaction will be captured automatically as soon as Braspag receives notification of the new "Accept" status.	`FraudAnalysis.Sequence` equals to "AuthorizeFirst", `FraudAnalysis.CaptureOnLowRisk` equals to "true" and `Payment.Capture` equals to "false"
Cancellation of committed transactions	If the fraud analysis returns a high risk for a transaction that has already been authorized or captured, it will be immediately canceled or reversed. For stores that use manual review, the transaction will be canceled or reversed automatically as soon as Braspag receives notification of the new "Reject" status.	`FraudAnalysis.Sequence` equals to "AuthorizeFirst" and `FraudAnalysis.VoidOnHighRisk` equals to "true"

If not specified during authorization, Braspag will process your transaction using the following flow:

FraudAnalysis.Sequence equals "AuthorizeFirst";
FraudAnalysis.SequenceCriteria equals "OnSuccess";
FraudAnalysis.VoidOnHighRisk equals "false";
FraudAnalysis.CaptureOnLowRisk equals "false".

Which flow is recommended for my e-commerce?

The choice can be made according to the rules of your business, taking into account aspects such as the average ticket and type of product sold;
You can assemble your application with both flows and apply business rules according to your risk criteria.

Check out some characteristics of each flow below, which can help you decide on the best model for your business:

Fraud Analysis First

Antifraude will have visibility of e-commerce credit card transactions;
Avoids early awareness of the credit card limit, avoiding friction/bad shopper experience;
Promotes learning of the Antifraude engine;
There is an analysis cost when the credit card used in the transaction does not have an available limit.

Authorization First

Avoids the cost of analysis on credit card transactions that do not have an available limit;
Antifraude has no visibility into unauthorized transactions.