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.
The /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:
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Report the false positive.
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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 /fraud endpoint:
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The cardholder uses a card for purchase, initiating an authorization transaction.
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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.
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Your team notifies the cardholder that their transaction has been tagged as risky and has been declined.
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The cardholder notifies you that they meant to make the purchase.
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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
CARD_FRAUDtofalse. -
The next transaction coming in from the same user and card will then be allowed through Real-Time Decisioning.
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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.
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The cardholder uses the card at the POS again within 60 minutes of the initial
CARD_FRAUDevent, theTRANSACTION_RTis evaluated asno-risk, and the transaction succeeds.