Fraud Protection

To combat online fraud, we have provided Admins with powerful tools. These tools enable Admins to set 24-hour velocity filters, reducing the risk of fraudulent activities. Admins can monitor transaction frequency and detect suspicious patterns.

We also introduced the option for Admins to blacklist end-users based on transactional metrics. This provides an additional layer of protection, preventing potential fraudsters from engaging in illicit activities. As an admin, you can enforce security measures and safeguard your site.

Furthermore, Admins can whitelist verified end-users to ensure legitimate users are not inconvenienced. This balances security and user experience, creating a safer online environment and a seamless transactional process for genuine customers.

Spark Location: Commerce > Fraud Protection

Velocity Filters

Spark Location: Commerce > Fraud Protection - Filters tab

These Filters are set for either Sales or Transaction thresholds for any given 24hr period.

We are providing you with three different ways (filters) to limit these transactions:

• Per Email
  • Number of Transactions
  • Dollar amount spent
  • Number of gateway declines
• Per IP Address
  • Number of Transactions
  • Dollar amount spent
  • Number of gateway declines
• Per Credit Card - ONLY card type, last 4 digits, expiration date.
  • Due to compliance, we don't ever see the full credit card number - this number is passed along directly to the Gateway.
  • Number of Transactions
  • Dollar amount spent
  • Number of gateway declines

At leat one of the three values must be specified for each filter. Leaving a field empty will result in no limit being set.

Whitelist & Blacklist Rules

Spark Location: Commerce > Fraud Protection - Whitelist tab or Blacklist tab

Whitelist

This allows you to define emails and/or IP addresses that can bypass the additional fraud tools in place on the Velocity Filters tab AND Accertify (add-on service), if enabled.

1. Name the Rule
2. Add an internal Note (optional)
3. Set the values (Email address or IP address)
   1. You can add multiple emails or IPs by adding one per line (not separated by a comma)
   2. For IP addresses, only IPv4 addresses are supported (0.0.0.0 to 255.255.255.255).
4. Save

There are a few other ways that you can add to the whitelist including from the Purchases Report, the Failed Transaction Report, and the Order Viewer in the Actions Menu.

Blacklist

This tooling allows you to set parameters that, when all are met, the purchase will not be permitted.

1. Name your rule
2. Add an internal Note for reference (optional)
3. Apply Fields - These are the parameters that you can limit.
   • Email Address
   • IP Address
   • Credit Card Full Name
   • Credit Card Last 4
   • Credit Card Type
   • Billing Info - First Name, Last Name, Address, City, Postal Code, State Province, Country
   • Shipping Info - First Name, Last Name, Address, City, Postal Code, State Province, Country
4. Save

Much like the Whitelist, there are a few other places that you can add rules to the Blacklist, These include from the Purchases Report and the Order Viewer in the Actions Menu.