Billing and Shipping Risk Scores

The billing and shipping risk scores are risk factor scores that indicate the risk associated specifically with billing and shipping inputs only. There are risk factor scores for:

the billing address,
the distance between the billing address and the IP geolocation,
the shipping address,
the distance between the shipping address and the IP geolocation,
and the phone number.

These risk factor scores will only be returned if you are passing the relevant billing and shipping inputs, and are only returned in minFraud Factors queries.

Like all risk factor scores, the billing and shipping risk scores are given as a percentage ranging from 0.01 to 99. For example, a shipping address risk score of 52.30 means that the transaction has a 52.3% chance of being fraudulent based on the shipping address alone.

If you're using billing and shipping risk scores for manual review, you may also find it helpful to consult the billing and shipping risk data to give you a better picture of the transaction. Learn more about billing and shipping risk data.

Billing address risk score

The billing address risk score is the risk associated with the billing address alone.

A higher billing address risk score could indicate that we have seen suspicious activity associated with this billing address across the minFraud network, or that the address does not appear to be legitimate for other reasons.

If you see a higher billing address risk score, you may want to see whether the customer has mistyped their address with an obvious typo. You can also attempt to verify the address with a mapping application, check the order history of the customer, or attempt to verify the results with the issuing bank.

The billing address risk score is displayed in the list of risk factor scores, in a blue modal called "Risk Factors," beneath the overall risk score in the transaction review screen on the account portal. Learn how to review transactions using the account portal.

The billing address risk score may be returned when you pass the billing address input to minFraud Factors. Read the API specification for the billing address inputs on our developer portal:

Billing address distance risk score

The billing address distance risk score is the risk associated with the distance between the billing address and the IP geolocation of the transaction.

A higher billing address distance risk score indicates that the IP geolocation of the transaction is far away from the billing address as provided by the customer.

If you see a higher billing address distance risk score, you may want to see whether the customer is using an anonymizer or other kind of proxy that would disguise their actual location from IP geolocation. You may also want to consider whether the customer appears to be traveling, or if it is normal for your business to see purchases made from locations that aren't very close to the billing address. You can also learn more about IP geolocation risk data.

The billing address distance risk score is displayed in the list of risk factor scores, in a blue modal called "Risk Factors," beneath the overall risk score in the transaction review screen on the account portal. Learn how to review transactions using the account portal.

The billing address distance risk score may be returned when you pass the billing address and IP address inputs to minFraud Factors. Read the API specification for the billing address and IP address inputs on our developer portal:

Shipping address risk score

The shipping address risk score is the risk associated with the shipping address alone.

A higher shipping address risk score could indicate that we have seen suspicious activity associated with this shipping address across the minFraud network, or that the address does not appear to be legitimate for other reasons.

If you see a higher shipping address risk score, you may want to see whether the customer has mistyped their address with an obvious typo. You can also attempt to verify the address with a mapping application, check the order history of the customer, or see whether there is a history of fraudulent transactions with this address.

The shipping address risk score is displayed in the list of risk factor scores, in a blue modal called "Risk Factors," beneath the overall risk score in the transaction review screen on the account portal. Learn how to review transactions using the account portal.

The shipping address risk score may be returned when you pass the shipping address input to minFraud Factors. Read the API specification for the shipping address inputs on our developer portal:

Shipping address distance risk score

The shipping address distance risk score is the risk associated with the distance between the shipping address and the IP geolocation of the transaction.

A higher shipping address distance risk score indicates that the IP geolocation of the transaction is far away from the shipping address as provided by the customer.

If you see a higher shipping address distance risk score, you may want to see whether the customer is using an anonymizer or other kind of proxy that would disguise their actual location from IP geolocation. You may also want to consider whether the customer appears to be traveling, or if it is normal for your business to see purchases made from locations that aren't very close to the shipping address. You can also learn more about IP geolocation risk data.

The shipping address distance risk score is displayed in the list of risk factor scores, in a blue modal called "Risk Factors," beneath the overall risk score in the transaction review screen on the account portal. Learn how to review transactions using the account portal.

The shipping address distance risk score may be returned when you pass the shipping address and IP address inputs to minFraud Factors. Read the API specification for the shipping address and IP address inputs on our developer portal:

Phone number risk score

The phone number risk score is the risk associated with the phone number provided by the customer alone.

A higher phone number risk score indicates that we have seen suspicious activity with this phone number across the minFraud network. It may also mean that the phone number does not appear to be valid.

If you see a higher phone number risk score, you may want to see whether you can validate the phone number, and compare it to the phone number you have in your customer account records. You may also try to call the phone number to validate it.

The phone number risk score is displayed in the list of risk factor scores, in a blue modal called "Risk Factors," beneath the overall risk score in the transaction review screen on the account portal. Learn how to review transactions using the account portal.

The phone number risk score may be returned when you pass the phone number inputs to minFraud Factors. Read the API specification for the billing address and IP address inputs on our developer portal:

This page was last updated on April 21, 2023 17:22.