Supported Transaction Types

The minFraud service can be used to score a wide variety of transaction types, from all kinds of businesses, from every country in the world. This includes:

  • e-commerce transactions
  • account creation and login
  • referral
  • banking transfers
  • password resets
  • and more

The minFraud service has a number of transaction types that can be specified when you query the service. You can get a full list of the pre-defined transaction types in our developer documentation. But even if your transaction type is not in our list, the minFraud service can be used to score any type of transaction that has data associated with one or more of the minFraud inputs.

Passing relevant transaction data

In general, we recommend passing minFraud as much input data as possible to receive the most accurate scoring. Learn more about the most valuable inputs for minFraud scoring. Even if you are not able to pass all of the recommended inputs, the minFraud service would still be able to return scoring based on other factors.

For example, though you may not be able to pass the IIN or all of the billing address inputs for a PayPal transaction, the minFraud service would still be able to return scoring based on factors such as geolocation checks, IP address reputation, device information, email reputation, and fraud patterns detected across the minFraud Network.

The minFraud service can also score transactions where the IP address is not available or not relevant, for example, transactions coming from a call center or an agent who is making repeated transactions on behalf of end customers. If you will have many transactions coming from a small number of IP addresses used internally by your company call center, you can submit those transactions without an IP address, or exclude those IP addresses from risk scoring. Learn more about disabling risk scoring for specific IP addresses.

Limitations

When scoring e-commerce transactions, the minFraud service is most effective in detecting stolen card fraud. The minFraud service does not protect against “friendly” chargebacks–where the cardholder placed the order, but later denies having placed the order, and requests a chargeback.

The minFraud service also cannot identify whether a person placing an order lives at the given address (or uses the given credit card or phone number). We do not collect full credit card numbers, so we cannot perform address verifications.

MaxMind does not provide a guarantee or service to compensate our customers for chargebacks. If you are experiencing chargeback issues or false positives, please review our integration and testing guide for tips on making minFraud as effective as possible and feel free to reach out to our support team to discuss your use case.

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