The minFraud services return an overall risk score, which takes into account a number of risk factor scores. Each of these scores represents the likelihood that a transaction is fraudulent. You can use risk scores to determine how to respond to a transaction, whether to accept, reject, or review it more carefully.
The various risk factor scores are weighted and combined with other factors like velocity checks to compute the overall risk score. Customers cannot alter the algorithm by which these scores are combined into the overall risk score.
The overall risk score can be broken down into a number of risk factor scores.
All risk scores are given as a percentage ranging from 0.01 to 99. For example, a risk score of 20.00 means that the transaction has a 20% chance of being fraudulent, while a risk score of 0.10 means that the transaction has a 0.1% chance of being fraudulent.
All of the minFraud services will return the overall risk score for your transaction. Learn more about the overall risk score.
If you pass the IP address input, all minFraud services will also return a risk factor score specific to IP risk. Learn more about the IP risk score.
In addition, the minFraud Factors service will return all of the risk factor scores for your transactions, depending on what inputs you pass. Learn more about the risk factor scores.
Customizing the risk score
The minFraud service does not allow you to natively change how the risk score is calculated. If you want to develop your own risk score, you could develop your own application that takes in risk data and risk factor scores and combines them in a way that's customized to your business. Learn more about risk data and risk factor scores.
There are a few ways that you can influence how the risk score is generated, or give you actionable outputs that are based on your customized needs. You can:
- Disable IP risk scoring for certain IP addresses. Learn how to disable IP risk scoring.
- Disable velocity checks. Velocity checks are always disabled for transactions where IP risk scoring is disabled. Learn about velocity checks and how to disable them.
- Create custom rules that return an actionable disposition of accept, reject, or review. Learn about custom rules and dispositions.
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