IPQS IP Reputation API, Email Validation API, Phone Number Validation API, and Device Fingerprint Technology support additional parameters for the purposes of scoring transactions or users, detecting ecommerce fraud, and providing real-time fraud prevention. This service is ideal for preventing chargeback fraud and performing advanced user scoring.
Additional user data for orders, payments, transactions, lead generation, and personal user information can be analyzed to enhance Fraud Scores. The fields listed below are entirely optional and provide additional data that can be used to detect fraudulent patterns and suspicious behavior likely to generate chargeback disputes. Any additional data beyond the IP address greatly improves detecting high risk activity.
Risk analysis on transaction data will be displayed in the "transaction_details" object. If only one address is available for the user or transaction, then please enter the address data into the "billing" or "shipping" variables, rather than entering the same address in both variables. Passing the email address also contributes to detecting fraudulent users, however only a light abusive check will be performed. Using a full lookup with IPQS Email Verification API Documentation is recommended as it will provide greater details and accuracy for email reputation. The transaction variables listed below are optional, any irrelevant variables can be ignored.
Stop chargebacks by implementing this easy API with your order scoring process. Receive real-time analysis about a user's billing details for complete chargeback protection. Higher Fraud Scores indicate greater risk, with scores >= 85 in the upper tier of suspicious payments. Additional data provides insight into the user's email address and phone number reputation. Stolen user data used by fraudsters is often already blacklisted in our system.
Adjust IPQS payment, user, and transaction scoring algorithms to better fit your audience. Premium IPQS clients can adjust your account's Transaction Rules for better performance and more tailored results.
Below you will find an example of using transaction scoring functionality with our Proxy/VPN Detection API. New to IPQS? View our base Proxy Detection API Documentation to get started.
API Lookup with Billing Email Address, Country, & Phone #
The email address & phone # will be checked for recent abuse. The phone number will be validated. Only emails addresses checked with our dedicated Email Verification API will be fully validated.
|billing_first_name||String||The customer's billing first name.|
|billing_last_name||String||The customer's billing last name.|
|billing_company||String||The customer's billing company.|
|billing_country||String||The customer's billing country name or billing country ISO-Alpha2. (EG: United States or US)|
|billing_address_1||String||The customer's billing street address part 1.|
|billing_address_2||String||The customer's billing street address part 2.|
|billing_city||String||The customer's billing city.|
|billing_region||String||The customer's billing region or state.|
|billing_postcode||String / Number||The customer's billing postcode or zipcode.|
|billing_email||String||The customer's billing email address.|
|billing_phone||Number||The customer's billing 11 to 14 digit phone number. (If less than 10 digits provided, the country code will be guessed by our AI.)|
|shipping_first_name||String||The customer's shipping first name.|
|shipping_last_name||String||The customer's shipping last name.|
|shipping_company||String||The customer's shipping company.|
|shipping_country||String||The customer's shipping country name or shipping country ISO-Alpha2. (EG: United States or US)|
|shipping_address_1||String||The customer's shipping street address part 1.|
|shipping_address_2||String||The customer's shipping street address part 2.|
|shipping_city||String||The customer's shipping city.|
|shipping_region||String||The customer's shipping region or state.|
|shipping_postcode||String / Number||The customer's shipping postcode or zipcode.|
|shipping_email||String||The customer's shipping email address.|
|shipping_phone||Number||The customer's shipping 11 to 14 digit phone number. (If less than 10 digits provided, the country code will be guessed by our AI.)|
|username||String||The customer's username.|
|password_hash||SHA256 / string||For security reasons and following industry best practices, a SHA256 hash of the user's password for better user analysis.|
|credit_card_bin||Number||First six digits of the credit or debit card, referred to ask the Bank Identification Number.|
|credit_card_hash||SHA256 / string||For security reasons and following industry best practices, a SHA256 hash of the credit card number is accepted to check against blacklisted cards.|
|credit_card_expiration_month||Number||Two letter format of the credit card's expiration month. For example, May would be "05".|
|credit_card_expiration_year||Number||Two letter format of the credit card's expiration year. For example, 2022 would be "22".|
|avs_code||String||One letter Address Verification Service (AVS) response code provided by the credit card processor or bank. A full list of acceptable response codes can be viewed here. If your system cannot retrieve the exact response code, values of "pass" or "fail" can be used.|
|cvv_code||String||One letter Card Verification Value (CVV2) response code provided by the credit card processor or bank. A full list of acceptable response codes can be viewed here. If your system cannot retrieve the exact response code, values of "pass" or "fail" can be used.|
|order_amount||Number||Total balance of the entire order without currency symbols.|
|order_quantity||Number||Quantity of items for this order.|
|recurring||Boolean||Is this a recurring order that automatically rebills?|
|recurring_times||Number||If this is a recurring order, then how many times has this recurring order rebilled? For example, if this is the third time the user is being billed, please enter this value as "3". If this is the initial recurring order, please leave the value as blank or enter "1".|
NOTE: For a description of each field listed above please consult the response documentation below.
The following variables are returned through the Proxy Detection API which provides risk analysis for users and transactions. You can also treat "billing" or "shipping" variables as a user's primary or secondary information group, even when billing is not involved, such as for lead generation or user scoring purposes.
The "risk_score" is the easiest way to consume this data by identifying suspicious user behavior with scores >= 75 and high risk payment details or user data with scores >= 90.
These variables are populated when at least 1 transaction data parameter is present in the initial API request. The following transaction variables are "null" when the necessary transaction parameters are not passed with the initial API request. For instance, not passing the "billing_email" will return "valid_billing_email" as null.