Frequently Asked Questions

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FraudGuard

FraudGuard is SecurePay’s advanced fraud protection tool that can reduce your exposure to fraud by detecting it before it occurs. FraudGuard allows you to customise and establish rules that monitor your transactions. If a rule is breached, you are instantly alerted.

FraudGuard allows you to set customised rules for all transactions. There are many options to set your bespoke rules for your business. The rules can include, card issuing country, minimum and maximum purchase thresholds, customer billing settings and number of transactions from the same bank, IP address, card or email.

Once these parameters have been set, every transaction on your site will be given a score to determine if a transaction is deemed high risk, low risk or no risk. The score is determined by how many enabled rules are breached and for those breached rules, the number of points decided by you (5-100, in increments of 5).

If a transaction reaches 100 points, it is deemed as high risk and 1 of 4 actions are taken:

1. Transaction is declined

2. Transaction is declined and a notification is sent

3. Transaction is allowed

4. Transaction is allowed and a notification is sent

If the transaction scores between 5 and 95 points, it is deemed low risk you can opt in to receive a notification alert instead of blocking the transaction.

In addition to your customised parameters, FraudGuard also uses machine learning, predictive and behavioural analytics, global fraud data and a risk mitigation team to help prevent fraud.

If you don’t already have FraudGuard enabled, please contact our Customer Support team on 1300 786 756 or via email support@securepay.com.au to discuss your options.

1. Log in to the merchant portal and select ‘Manage > FraudGuard settings’.

(note: if you receive an access error here, FraudGuard is not enabled on your account. Please
contact 1300 786 756 to discuss your options)

2. Select ‘Change Settings’ and review each rule you wish to enable. You can click the (?) to read more about each specific configuration.

Below is a list of all rules that can be configured with FraudGuard:

Rule	Description
Allowed/Restricted country list	You can use this rule to allow or restrict payment requests from certain locations. You can choose to allow/restrict an entire continent or select specific countries. The country origin is determined by the IP address.
Amount below low threshold	Any payment below the set value breaches this rule.
Amount above high threshold	Any payment amount above this value breaches this rule.
IP is known open proxy	An open proxy allows a user to conceal their IP address. This method can be used to maintain anonymity while committing fraud, so enabling this rule will prevent these from occurring.
IP and card issuing country do not match	Checks if the customer's card was issued in the same country they are accessing your site from.
IP is from high-risk country	Restrict payments from countries known to commonly initiate fraudulent transactions. There may be unique countries for your business but countries commonly associated with higher fraudulent transactions include: Egypt Ghana Indonesia Lebanon Macedonia Morocco Nigeria Pakistan Romania Serbia and Montenegro Ukraine Vietnam
Customer IP and billing country do not match	Checks which country the IP address originates from and compares it to the billing country field submitted in the transaction request.
Customer IP and delivery country do not match	Checks which country the IP address originates from and compares it to the delivery country field submitted in the transaction request.
Delivery and billing countries do not match	Checks if the delivery country and billing country submitted in the transaction match.
Customer email is from a free domain	Free email services can be used to register one or more email addresses using a fake identity so they cannot be traced back to an individual.
Too many transactions from same issuing bank	Specify how many transactions you’re willing to accept in a set timeframe from the same issuing bank.
Too many declined transactions from same IP	Specify how many transactions you’re willing to accept in a set timeframe from the same IP.
Too many transactions from same IP	Specify how many transactions you’re willing to accept in a set timeframe from the same IP. Counts all transactions, not just declined ones.
Too many transactions from same card	Specify how many transactions you’re willing to accept in a set timeframe from the same card. Counts all transactions, not just declined ones.
Too many transactions from same customer email	Specify how many transactions you’re willing to accept in a set timeframe from the same customer email.
Low transaction amount followed by high transaction amount on same card	A user committing fraud often runs low-value transactions until a valid account is discovered, then attempts a high-value transaction on the valid card. This rule allows you to specify how much higher you’re willing to accept in a set timeframe on the same card.

While the number of rules available are broad, there are several specific rules which can be especially beneficial in preventing card washing attempts, including:

1. Allowed/Restricted country list

2. IP and card issuing country do not match

3. Too many transactions from same issuing bank

4. Too many declined transactions from same IP

You may wish to review these rules and configure them to suit your business needs.

Fore more information contact your friendly Customer Support team on 1300 786 756 (Mon – Fri, 8am – 8pm) or visit our website.

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