Wirecard Fraud Prevention Suite

Fraud is one of the major threats to turnover and revenue for every online merchant. By using fraud prevention methods every merchant is able to participate and benefit from the still growing online market. The Wirecard Fraud Prevention Suite (FPS) helps to identify fraud early in the sales process and to prevent it before it happens. FPS checks every incoming transaction using a complex set of rules. By using this rule set, the merchant will benefit from the experience of other merchants in the market segment incorporated into the rules.

Credit Card Check

The Wirecard Payment Gateway has a built-in functionality to perform risk check before processing the credit card payment if configured for the certain merchant account. This usually includes fraud check using Wirecard Fraud Prevention Suite (FPS) solution. The result of the risk check can be a rejection/approval of the payment transaction or an FPS case which needs to be resolved manually using the FPS merchant cockpit.

There are 2 scenarios in the credit card payment processing where the FPS check is involved.

Workflow of Risk and Fraud Check
Transaction processing in E-Commerce mode

  1. The merchant sends an authorization, authorization-only, final-authorization, preauthorization or purchase payment transaction request.

  2. The system performs a risk/FPS check.

  • The risk/FPS check results in a rejection:

    1. the corresponding credit card payment transaction is declined.

    2. the transaction state in the response is set to failed.

    3. a corresponding status code is returned (for details please see Transaction Status Codes).

  • The risk/FPS check results in an approval:

    1. the payment transaction is processed.

If the system needs to create a case according to FPS rules, the corresponding payment transaction will be executed. Depending on the outcome of the payment transaction the following scenarios are possible:

  • The payment transaction is successful

    1. The system creates a case in FPS.

    2. FPS adds the status code 100.0101 "FPS case created".

    3. The system returns a response (The merchant usually needs to put the order process on hold and perform a manual check of the created case using the FPS merchant cockpit portal).

    4. The merchant resolves the case (FPS notifies the merchant via a technical XML notification sent to the special endpoint in the merchant system and the order process can continue).

  • The payment transaction has failed

    1. The system does not create a case in FPS.

    2. The system returns the corresponding error status code with the response.

Using 3D Secure

  1. Merchant sends a check-enrollment request.

  2. The system performs a risk/FPS check (similar to e-commerce transaction).

  • The risk/FPS check results in a rejection:

    1. The system declines the check enrollment transaction.

    2. The system sets the transaction state in the response to failed.

    3. The system returns a corresponding status code (for details please see Transaction Status Codes).

  • The risk/FPS check results in an approval:

    1. The system performs the enrollment check. If a case needs to be created according to FPS rules, the system performs the enrollment check.

No corresponding status code will be added to the check enrollment response.

Based on the outcome of the previous enrollment check, the system executes an authorization or purchase transaction.

The following authorization or purchase transaction will be executed without a new FPS check.

  • The authorization or purchase transaction is successful:

    1. The system creates a case in FPS.

    2. FPS adds the status code 100.0101 "FPS case created".

    3. The system returns the response.

    4. The merchant puts the order process on hold.

    5. The merchant (or a dedicated Wirecard team) performs a manual check of the created case using the FPS merchant cockpit portal.

    6. The merchant (or a dedicated Wirecard team) resolves the case.

    7. FPS notifies the merchant via a technical XML notification (FPS sends it to the special endpoint in the merchant system).

    8. The order process can continue.

  • The authorization or purchase transaction has failed:

    1. FPS does not create a case.

    2. The system returns the corresponding error status code with the response.

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