Transaction.score

• Avoiding payment processor fees for authorization calls to the processor for transactions your processor will not approve.
• Keeping your chargeback rate low. Processing and disputing chargebacks can be expensive. Payment processors typically require that you keep a very low chargeback rate.

• The IP address of the origin of the transaction:
  • Whether the transaction originated from a proxy IP address known to Vindicia as an originator of fraudulent, malicious transactions.
  • How the geolocation of the IP address compares with the transaction’s billing address.
• The billing and shipping addresses:
  • Whether a transaction billing address or shipping address (or both) is known for being a fraudulent mail drop.
  • Whether the country of the address is a country known for the origin of fraudulent transactions.
• The BIN (the first six digits the credit-card number), which provides information on the bank that issued the credit card: whether the country of the billing address matches that of the issuing bank.
• The customer’s email address: whether it is from a free email provider, and if the email address has been associated with high–risk or fraudulent transactions.
• The credit-card account: whether the Vindicia database shows a previous chargeback against the transaction or the credit card used to pay for it. If so, score() returns the highest score of 100.

• If you subscribe to ChargeGuard only, that is, if you process your transactions outside of Vindicia and need to report them to Vindicia for chargeback dispute only, call this method to screen a transaction for fraud risk before processing it, and to simultaneously record it in the Vindicia database, saving you a separate reporting step.
• If you process one-time transactions through Subscribe, call this method to screen a transaction before processing it with your payment processor.

• Source IP address
• Billing address:
  • City
  • District (state or province). If states or provinces do not exist in the country in question, fill in the field with None.
  • Country

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Input

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Output

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Returns

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Example

$tx = new Transaction();
$tx->setAmount('29.90');
$tx->setCurrency('USD');
$tx->setMerchantTransactionId('txid-123456');
 
// IP is one of required attributes for scoring a transaction
$tx->setSourceIp('35.45.123.158');
 
$account = new Account();
$account->setMerchantAccountId('9876-5432');
$account->setEmailAddress('jdoe@mail.com');
$account->setName('J Doe');
$tx->setAccount($account);
 
$shippingAddress = new Address();
$shippingAddress->setName('Jane Doe');
$shippingAddress->setAddr1('44 Elm St.');
$shippingAddress->setCity('San Mateo');
$shippingAddress->setDistrict('CA');
$shippingAddress->setPostalCode('94403');
$shippingAddress->setCountry('US');
 
$tx->setShippingAddress($shippingAddress);
 
// The line items of the transaction
$tx_item = new TransactionItem();
$tx_item->setSku('sku-1234');
$tx_item->setName('Widget');
$tx_item->setPrice('3.30');
$tx_item->setQuantity('3');
$tx->setTransactionItems(array($tx_item));
 
$paymentMethod = new PaymentMethod();
$ccCard = new CreditCard();
$ccCard->setAccount('4111111111111111');
$ccCard->setExpirationDate('201109');
$paymentMethod->setType('CreditCard');
$paymentMethod->setCreditCard($ccCard);
 
// Billing address city, district, country are required for score 
// call to work
$paymentMethod->setBillingAddress($shippingAddress);
 
$tx->setSourcePaymentMethod($paymentMethod); 
 
$response = $tx->score();
 
if ($response['returnCode'] == 200) {
   if($response['score']->score <= 50) {
      print "Acceptable score, processing transaction";
      // process the transaction further here
   }
   else {
      print "High risk of chargeback. Reasons are: \n";
      $scoreCodes = $response['scoreCodes'];
      foreach ($scoreCodes as $scoreCode) {
         print("Score code ". $scoreCode['id'] . " : " . 
         $scoreCode['description'] . "\n");
      }
   }
}
else {
   // the score call did not succeed, check return code 
   // and return string and try to re-submit
}