How do I set up Fraudwatch Screening Rules?
3dcart Fraudwatch users can create special "Screening rules" on their store which will automatically approve, reject, or flag orders for review, based on the information being reported by fraudwatch.
More information on using Fraudwatch as well as upgrading your Fraudwatch Plan can be found by clicking here.
Fraudwatch Screening Rules apply before the order is allowed to proceed to the Credit Card validation process, thereby allowing you to reject orders automatically before the order gets to your payment gateway. You can also automatically approve orders or otherwise place them under review status which allows you to review the order before processing it fully.
This article contains the following areas. Click on a link below to be taken directly to that topic.
Accessing Fraudwatch Screening Rules
|Parameter||Qualifier option(s)||Variable option(s)|
|Quantity of Items||
|Email Provider Domain Name||
*The variable for AVS Response is dependant on your payment gateway's specific Address Verification System return codes. Please check with your respective Payment Gateway for more info on these codes. Also note that this is the only rule condition that is dependent on processing after Credit Card Validation
**The variable for Email Provider Domain Name is an open text box that can accept one or multiple domain names. This can be useful for filtering email addresses for free email services that are typically used for fraud. For example, if you want to have the condition used for HotMail email addresses, simply enter "hotmail.com" in the field. If you'd like to have the condition used for HotMail, Gmail, YahooMail or other free email domains, enter each domain separated by a comma.
***The variable for the Fraudwatch Score is an open text field that can accept number values based on the Fraudwatch scoring system. For this field, enter a number between 1 and 10.
Note: Fraudwatch scores on an ascending scale where 0 is a good score (low risk found) and 10 is a bad score (Highest risk)
You can add as many conditions to the rule as needed. Furthermore, you can add as many rules to your store as needed for your business' order filtering.
In the next section, we will provide some common situational rules and their conditions to help you see how to create your own.
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The following example rules are presented for demonstration purposes only. There are many different variations of FraudWatch Screening Rules that can be created.
Furthermore, your business needs may be far different than what is being presented here in these examples, so we urge you to exercise caution when creating your store's Fraudwatch Screening Rules.
Good Fraudwatch Score Rule Example
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This example rule will be for orders that get a good Fraudwatch score and is set with the following:
With these settings, the first rule example is set to automatically approve an order if either of the following two conditions are met:
- Fraudwatch score is less than 2
- The customer is a returning Customer
Being as a returning customer or anyone with a good Fraudwatch score is likely to pose no danger of fraud, this rule is also set to "Stop processing other Rules" once this one is met.
Medium Fraudwatch Score Rule Example
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This next example rule is for medium risk orders and is set with the following:
With the settings above, this second rule is set to place the order into the review status if the following condition is met:
- Fraudwatch Score is greater than 6
Being as a score of 6 would make the order slightly risky, anything more than this number might deserve some attention.
However, please note that the "Stop Processing Other Rules" checkbox is not marked. This is because the store's other concurrent rules might find something even more damaging on the order in which case those actions will be taken.
Shipping Info does NOT match Billing Rule Example
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This next example rule is for orders where shipping info doesn't match the billing info, and is set with the following:
With the settings above, this rule is set to place the order into the Review status if all of the following conditions apply:
- Billing Zip Code does not match Shipping Zip Code
- Payment Method equals Online Credit Card
- Billing State does not match Shipping State
This rule also is not set to stop all other rules, since there might be other conditions met to further approve or reject the order.
First time HIGH priced orders Rule Example
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This next example rule will be for First time customers placing orders on high priced items. It will be set with the following:
With the settings above, this rule is set to place the order into the Review status if all of the following conditions are met:
- Order is for an amount over $500
- Order is for a first time customer
- Customer's email address is for either hotmail, gmail or yahoo's free email services.
The reasoning behind this rule is the fact that it's a large order for a first time customer who is using a free email service on their order. Therefore, the order is being placed into the store's review status in order to allow the merchant the ability to look things over and perhaps verify the customer's information via a courtesy call before fulfilling the order.
Overseas Shipping Screening Rule Example
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This last rule example is for higher risk orders and is set with the following settings
With the settings above, this rule is set to trigger when all of the following conditions are met:
- Billing country is different than the Shipping country
- Fraudwatch score is greater than 5
- Customer Account is a brand new customer
Due to the suspicious nature of orders matching these criteria, the rule is set to not only cease processing all other rules, but also reject the order outright. This way it does not even get to the Credit Card Gateway in the first place.
On the store front, the "customer" will get a generic "Your card cannot be used at this time" message and will not allow them to reach checkout at all.
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As you add Screening Rules to the store, they are added to the Screening Rules page of the 3dcart Online Store Manager. This page is the one you access when clicking on the "Fraudwatch Screening Rules" link inside the Fraudwatch module at the start of this article.
The page will list all of the Screening Rules that have been created on your store. They will be displayed in a grid showing the rule's Name, Type, Action, Whether it has a stop to all other rules (stop rule), whether it is enabled, and what the rule's sorting value is.
The sorting of the rules determines the order in which the rules are run on the store. This is important to note because you may have some rules that are set to stop all other rules when their conditions are met.
Therfore, you may want to sort your rules so that they follow a specific flow to ensure a "Stop Rule" doesn't run before a secondary rule that may always need to run.
For sorting purposes, lower numbers will be shown/processed before higher numbers