PayPal Permissions Service - 2013 Betriebsanweisung PDF herunterladen (Seite 83)

Fraud Protection Services User’s Guide 83

Fraud Filter Reference

High-risk Payment Filters

Buyer Authentication returns one of the following responses in the

AUTHENTICATION_STATUS name-value pair (values are for Visa USA region):

Actions

You set the “strength” of the filter as follows:

 Full: Trigger if a value of N, U, or F is returned.

 Medium: Trigger only if a value of N is returned.

NOTE: To enforce the minimum Visa regulations, set the filter to Medium strength with an

action of Reject. This setting rejects N responses, however, so there is no liability

benefit.

How does the filter protect me?

Buyer Authentication is the only screening tool that promises to shift fraud liability from the

merchant. The password used with Verified by Visa and MasterCard Secure Code is the

digital equivalent to a shopper’s handwritten signature.

NOTE: Make use of Buyer Authentication if your processor and acquirer support it. The use

of the password protects merchants from some chargebacks when a customer claims

not to have authorized the purchase.

Widespread account holder enrollment in Buyer Authentication programs may take some time

and depends on the card issuers supporting and marketing the option.

TABLE A.4 Responses in the AUTHENTICATION_STATUS name-value pair

Result Description Liability Impact (Subject to Change)

Y Successful authentication—the password

was correct.

Both Visa and MasterCard shift liability for

fraud from the merchant.

A The merchant attempted to authenticate the

buyer, but the issuer does not support buyer

authentication.

Visa shifts liability for fraud from the

merchant.

MasterCard does not shift liability for fraud

from the merchant.

N Unsuccessful authentication—the

password was not correct.

Neither Visa nor MasterCard shift liability

for fraud from the merchant.

U Authentication could not be completed due

to network error.

Neither Visa nor MasterCard shift liability

for fraud from the merchant.

F Card issuers authentication credentials

could not be validated.

Neither Visa nor MasterCard shift liability

for fraud from the merchant

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