Using the Fraud Feedback API
The rule sets that you have defined in Real-Time Decisioning may generate false positives where genuine transactions were incorrectly declined.
You may also have false negatives where fraudulent transactions were incorrectly authorized.
/fraud endpoint allows you to inform the Real-Time Decisioning of both false positives and false negatives to help refine the accuracy of your RiskControl rule sets and prevent them from occurring for future transactions.
For false positives:
Report the false positive.
Override the rule sets that declined the transaction so the cardholder can successfully complete a second transaction.
For false negatives, use the
/fraud endpoint to report the false negative.
For details on the
/fraud endpoint, see Fraud Feedback API Reference.
Handling false positives
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Use rules to receive the
/fraud endpoint call reporting false positives and to suppress rules for the cardholder so they can successfully complete a second transaction attempt.
The following shows an example that uses
state to store when the last false positive occurred, a rule to suppress alerts, and the
risk tag if the last false positive was within the past two days.
Overriding a declined transaction
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The following shows the sequence for temporarily overriding a false positive using the
The cardholder uses a card for purchase, initiating an authorization transaction.
The network sends the transaction to Marqeta. A
TRANSACTION_RTevent is generated, triggering a rule that results in a risk-no-review (decline) state.
Marqeta informs your system that the transaction was declined because a Real-Time Decisioning rule was triggered.
Your team notifies the cardholder that their transaction has been tagged as risky and has been declined.
The cardholder notifies you that they meant to make the purchase.
Your team uses the
/fraudendpoint to notify Marqeta of the false positive. For example:JSONCopied
Real-time Decisioning updates state to allow the next transaction to succeed, updating the state of
The next transaction coming in from the same user and card will then be allowed through Real-Time Decisioning.
Marqeta notifies you that the false positive state has been updated to accept the next transaction. Your team tells the cardholder they can try again.
The cardholder uses the card at the POS again within 60 minutes of the initial
TRANSACTION_RTis evaluated as
no-risk, and the transaction succeeds.