The Risk Threshold feature offers additional security to your account. The feature helps in reducing chargebacks/chargeback fees by blocking fraudulent transactions. For the feature to be effective on your account, we require the customer IP address to be passed on all API calls sent to the Bambora Gateway.
When the customer IP is passed on the API call, Bambora will evaluate the possible risk associated with each transaction processed on your account. Based on the risk elements, each transaction is evaluated and assigned a risk score between 0.01 and 100, with 0.01 being the least risk of fraud.
Must know:
- If you’re utilizing our Checkout product, the customer IP is already natively being included in your transaction requests.
- You will need to contact Bambora to get the Risk Threshold to be enabled on your account.
- You can access/update the Risk Threshold score in the Portal by navigating to Administration > Account settings > Risk Threshold. Click Update after making any changes.
How do I pass Customer IP?
- Start by confirming with your developers or integration team which variables you are passing in your current transaction requests. You can review the API Specifications in our Developer Documentation.
- You will need to confirm that the customer_ip variable is included in your requests with the client’s IP. How you capture this information would be up to your developers to determine before sending in the transaction request.
Good to know:
- There are no fees associated with blocked transactions due to Carding activities.
- We recommend reaching out to your shopping cart provider to discuss available tools such as CAPTCHA to stop automatic submission for multiple requests on your payment form.
- Passing the customer billing information, such as the client’s name, address, and email, increases the accuracy of the risk score calculation.
- You can download our Postman Environment and Collection here to get more information on the required variables that are passed on an API call.