The risk factor scores are all taken into account when the overall risk score is calculated. These scores break down the overall risk score into the risk of the transaction when specific pieces of transaction data are isolated and analyzed independently. In most cases, looking at the individual risk factor scores will tell you what elements of a transaction are elevating the overall risk score. The IP risk score is returned in all minFraud services, but all other risk factors scores are exclusive to the minFraud Factors service. Learn more about the differences between the minFraud services.
The overall risk score will usually be higher or lower than the risk factor scores, because all of the transaction data taken together will increase or decrease our confidence that the transaction is risky. For example, if the IP risk factor score was high because the person conducting the transaction was using a VPN or other anonymizing proxy, the overall risk score might be lower because the email address had a good reputation across the minFraud network, and the billing address and shipping address seemed to indicate an legitimate transaction.
List of risk factor scores
minFraud Factors can return risk scores for the following elements of a transaction:
|Risk Factor Scores|
|Device Risk Scores||Learn more about device risk scores.|
|IP risk score||
The risk associated with the IP address and its activity.
The IP risk score is the only risk factor score included in all three minFraud services.
|Chargeback risk score||The risk of chargebacks on networks similar to this IP.|
|Device risk score||The risk associated with the transacting device.|
|Browser risk score||The risk associated with certain browser details.|
|Country risk score||The risk associated the with country of the IP geolocation.|
|Credit Card Risk Scores||Learn more about credit card risk scores.|
|IIN risk score||The risk associated with the issuer of the credit card.|
|CVV risk score||The risk associated with the CVV check done by your payment processor.|
|AVS risk score||The risk associated with the AVS check done by your payment processor.|
|Email Risk Scores||Learn more about email risk scores.|
|Email address risk score||The risk of the email address based on its reputation across the minFraud network.|
|Email domain risk score||The risk of the email domain (the part of the email address after the @).|
|Email local part risk score||The risk of the email local part (the part of the email address after the @).|
|Billing and Shipping Risk Scores||Learn more about billing and shipping risk scores.|
|Billing address risk score||The risk of the billing address based on reputation across the minFraud network.|
|Billing address distance risk score||The risk associated with the distance between the billing address and the IP geolocation of the transaction.|
|Shipping address risk score||The risk of the shipping address based on reputation across the minFraud network.|
|Shipping address distance risk score||The risk associated with the distance between the shipping address and the IP geolocation of the transaction.|
|Phone number risk score||The risk associated with the based on reputation across the minFraud network.|
|Order Detail Risk Scores||Learn more about order detail risk scores.|
|Country mismatch risk score||The risk associated with various mismatches between the billing, shipping, credit card issuer, and IP geolocation country.|
|Order amount risk score||The risk associated with the order amount, calibrated to your account and shop ID.|
|Time of day risk score||The risk associated with the time of day the transaction was submitted.|
Scoring for the risk factor scores
All risk factor scores are given as a percentage ranging from 0.01 to 99. For example, a shipping address risk score of 84.30 means that the transaction has a 84.3% chance of being fraudulent when the shipping address is considered on its own. This would likely mean that we have seen significant fraudulent activity for orders shipped to this address from your store or from across the minFraud network.
The minFraud Factors service can only return scores related to the specific transaction data you pass. For example, if you are not passing an email address, the minFraud Factors service will not be able to return email risk scores. Learn more about passing inputs to minFraud.
Even when you pass the relevant inputs, a risk factor score may not be returned. Risk factor scores will be returned when we are able to detect a pattern in the inputs that influence our risk assessment for the transaction. If we do not detect any patterns that would influence our risk assessment for a particular set of inputs, then risk factor scores for those inputs will not be returned.
Reviewing the risk factor scores can be helpful in understanding the overall risk score and can help you target your approach to manual review, or fine-tune your own risk models based on the risk factors that are most important to your business.
You can consult the full API description of risk factor scores (called "subscores" in our API) in our developer's documentation.
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