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Risk Rating

Here you can see the risk of a transaction

Field Name Len Type Req Ver Comments
method N/A Alp-Num Yes 1.2 riskRating
fromEmail N/A Alp-Num Yes 1.2 The email associated with the account from which the authorize is made
merchantAccountId N/A Num Yes 1.2 Acquiring Merchant ID
clientIp N/A Alp Yes 1.2 The IP address of the customer placing the order
clientUserAgent N/A Alp-Num -- 1.2 The User-Agent HTTP header
clientAcceptLanguage N/A Alp-Num -- 1.2 The Accept-Language HTTP header
transactionId N/A Alp-Num Yes 1.2 label.field.binTransactionId
transactionAmount N/A Num Yes 1.2 The amount of the authorize transaction
transactionCurrency 3 Alp Yes 1.2 The amount currency(e.g. USD)
billingName N/A Alp Yes 1.2 The name of the customer
billingCardType 1 Num Yes 1.2 Card Type
1 = MasterCard
2 = VISA
billingCardBin 6 Num Yes 1.2 label.field.billingCardBin
billingCity N/A Alp-Num Yes 1.2 Billing City
billingState 2/3 Alp-Num Yes 1.2 Billing State - two/tree letters state / province / county code (ISO 3166-2)
billingCountry 2 Alp-Num Yes 1.2 Billing Country - two letters country code (ISO Char 2 Code)
billingZip N/A Alp-Num Yes 1.2 Billing Zip (Postal Code)
billingPhone N/A Num -- 1.2 Billing Phone
billingEmail N/A Alp-Num -- 1.2 Billing Email
shippingStreetName N/A Alp-Num Yes 1.2 Shipping Street Name. Only pass this field when shipping physical goods.
shippingStreetNumber N/A Alp-Num Yes 1.2 Shipping Street Number. Only pass this field when shipping physical goods.
shippingBuilding N/A Alp-Num -- 1.2 Shipping Building. Only pass this field when shipping physical goods.
shippingEntrance N/A Alp-Num -- 1.2 Shipping District. Only pass this field when shipping physical goods.
shippingFloor N/A Alp-Num -- 1.2 Shipping Floor. Only pass this field when shipping physical goods.
shippingApartment N/A Alp-Num -- 1.2 Shipping Apartment. Only pass this field when shipping physical goods.
shippingDistrict N/A Alp-Num -- 1.2 Shipping District. Only pass this field when shipping physical goods.
shippingCity N/A Alp-Num -- 1.2 Shipping City. Only pass this field when shipping physical goods.
shippingState 2/3 Alp-Num -- 1.2 Shipping State - two/tree letters state / province / county code (ISO 3166-2). Only pass this field when shipping physical goods.
shippingCountry 2 Alp-Num -- 1.2 Shipping Country - two letters country code (ISO Char 2 Code). Only pass this field when shipping physical goods.
shippingZip N/A Alp-Num -- 1.2 Shipping Zip (Postal Code). Only pass this field when shipping physical goods.
key N/A Alp-Num Yes 1.2 MD5(sharedSecret + mechantAccountId + clientIp + clientUserAgent* + clientAcceptLanguage* + transactionId + transactionAmount + transactionCurrency + billingName + billingCardType + billingCardBin + billingCity + billingState + billingCountry + billingZip + billingPhone* + billingEmail* + shippingStreetName* + shippingStreetNumber* + shippingBuilding* + shippingEntrance* + shippingFloor* + shippingApartment* + shippingDistrict* + shippingCity* + shippingState* + shippingCountry* + shippingZip*)

This request is responded by a message with the following content:

Field Name Len Type Mdt Ver Comments
ResponseCode N/A Alp-Num Yes 1.2 The response code; 00 = Success;
ResponseDescription N/A Alp-Num Yes 1.2 Human readable response
Fee N/A Real Yes 1.2 Fee for the current transaction
TransactionId N/A Num Yes 1.2 The Accept-Language HTTP header
Verification/RiskScore N/A Num Yes 1.2 The risk score of the transaction. Value can be from 0 to 100. A higher score indicates a higher risk of fraud. We never return a risk score of 0, since all transactions have the possibility of being fraudulent.
Verification/Distance N/A Num Yes 1.2 The distance from the IP address location - to the billing location, in kilometers. A higher distance indicates a higher risk of fraud.
Verification/BinName N/A Alp-Num Yes 1.2 The name of the bank which issued the card. This is available for approximately 96% of all BIN numbers.
Verification/BinMatch N/A Alp-Num Yes 1.2 This field can be either 1 = Yes, 0 = No, 2 = NotFound, or 3 = NA It indicates whether the credit card’s bank is in the same country as the user’s billing address.The NotFound response means that we could not find a match for the provided bin input field. The NA response means that you did not provide a bin in the input.
Verification/BinCountry N/A Alp-Num Yes 1.2 The two letter ISO 3166 country code for the bank. This is available for approximately 99% of all BIN numbers.
Verification/CountryCode N/A Alp-Num Yes 1.2 A two-character ISO 3166-1 country code for the country associated with the IP address.
Verification/CountryMatch N/A Alp-Num Yes 1.2 This field can be either 1 = Yes or 0 = No. It indicates whether the country of the IP address matched the billing address country. A mismatch indicates a higher risk of fraud.
Verification/ProxyScore N/A Alp-Num Yes 1.2 A score indicating the likelihood that the user’s IP address is an open proxy.
Verification/CarderEmail N/A Alp-Num Yes 1.2 This field can be either 1 = Yes or 0 = No. It indicates whether the user’s email address is in a database of known high risk emails.

Request Sample:

www.paxum.com/payment/api/paymentAPI.php
POST
method=riskRating&fromEmail=payer%40domain.com&merchantAccountId=123456&clientIp=127.0.0.1&clientUserAgent=&clientAcceptLanguage=&transactionId=225845&transactionAmount=0.08&transactionCurrency=USD&billingName=John+Doe&billingCardType=1&billingCardBin=123456&billingCity=New+York&billingState=NY&billingCountry=US&billingZip=123456&billingPhone=0123456789&billingEmail=payeer%40domain.com&shippingCountry=sCountry&shippingState=sState&shippingCity=sCity&shippingStreetName=sStreetName&shippingStreetNumber=sStreetNumber&shippingBuilding=sStreetBuilding&shippingEntrance=sStreetEntrance&shippingFloor=sStreetFloor&shippingApartment=sStreetApartment&shippingDistrict=sStreetDistrict&shippingZip=sZip&key=812c8ab6e22b23bd334268ec6c1f5b06
                

Response Sample

<?xml version="1.0"?>
<Response>
    <Environment>PRODUCTION</Environment>
    <Method>riskRating</Method>
    <ResponseCode>00</ResponseCode>
    <ResponseDescription>Approved or Completed Successfully</ResponseDescription>
    <TransactionId>MER616GV</TransactionId>
    <Verification>
    <RiskScore>49.39</RiskScore>
    <Distance>6891</Distance>
    <BinName>3</BinName>
    <BinMatch>0</BinMatch>
    <BinCountry>US</BinCountry>
    <CountryCode>BR</CountryCode>
    <CountryMatch>0</CountryMatch>
    <ProxyScore>0</ProxyScore>
    <CarderEmail>0</CarderEmail>
    </Verification>
</Response>
                

Working Sample(s):

riskRating.php