Fraud Check – Payment Challenged

If the system detects a possible malicious transaction, that transaction will be challenged by the fraud check provider. There are 2 possible outcomes after running your own processes and procedures for fraud management: you can reject or accept the challenge.

The card payment is initiated and the Fraud Check system detects a possible suspicious behavior or rule. The payment is challenged by the fraud check provider. You can reject or accept the challenge.

Request:

POST https://securetest.smart2pay.com/v1/payments
Authorization: Basic MTAxMDpnYWJp

{
  "Payment": {
    "MerchantTransactionID": "s2ptest_j10",
    "Amount": 100,
    "Currency": "BRL",
    "ReturnURL": "http://demo.smart2pay.com/redirect.php",
    "Description": "test payment",
    "StatementDescriptor": "card payment",
    "BillingAddress": {
      "City": "Iasi",
      "ZipCode": "7000-49",
      "State": "Iasi",
      "Street": "Sf Lazar",
      "StreetNumber": "37",
      "HouseNumber": "5A",
      "HouseExtension": "-",
      "Country": "BR"
    },
    "ShippingAddress": null,
    "Customer": {
      "FirstName":"John",
      "LastName":"Doe",
      "Email": "challenge@challenge.com",
      "SocialSecurityNumber": "00003456789"
    },
    "Card": {
      "HolderName": "John Doe",
      "Number": "4111111111111111",
      "ExpirationMonth": "02",
      "ExpirationYear": "2021",
      "SecurityCode": "312"
    },
    "Installments": 3,
    "Capture": false,
    "GenerateCreditCardToken": false,
    "PaymentTokenLifetime": 100,
    "3DSecure": false,
    "Language": "ro-RO",
    "SkinID": 200
  }
}

Response:

HTTP/1.1 201 Created
Content-Type: application/json; charset=utf-8

{
  "Payment": {
    "ID": 203373,
    "ClientIP": null,
    "SkinID": 200,
    "Created": "20180209082529",
    "MerchantTransactionID": "s2ptest_j10",
    "OriginatorTransactionID": null,
    "Amount": "100",
    "Currency": "BRL",
    "CapturedAmount": "0",
    "ReturnURL": "http://demo.smart2pay.com/redirect.php",
    "Description": "test payment",
    "StatementDescriptor": "card payment",
    "MethodID": 6,
    "MethodOptionID": null,
    "SiteID": 1010,
    "NotificationDateTime": null,
    "Customer": {
      "ID": 298,
      "MerchantCustomerID": null,
      "Email": "challenge@challenge.com",
      "FirstName": "John",
      "LastName": "Doe",
      "Gender": null,
      "SocialSecurityNumber": "00003456789",
      "Phone": null,
      "Company": null
      },
    "BillingAddress": {
      "ID": 9590,
      "City": "Iasi",
      "ZipCode": "7000-49",
      "State": "Iasi",
      "Street": "Sf Lazar",
      "StreetNumber": "37",
      "HouseNumber": "5A",
      "HouseExtension": "-",
      "Country": "BR"
      },
    "ShippingAddress": null,
    "Articles": null,
    "Card": {
      "HolderName": "John Doe",
      "Number": "Ends with 1111",
      "ExpirationMonth": "02",
      "ExpirationYear": "2021",
      "IssuingBankCountry": null
      },
    "CreditCardToken": null,
    "Status": {
      "ID": 30,
      "Info": "PendingChallengeConfirmation",
      "Reasons": []
      },
    "MethodTransactionID": null,
    "PaymentTokenLifetime": null,
    "Capture": false,
    "RedirectURL": null,
    "3DSecure": false,
    "Fraud": {
      "Status": "Challenge",
      "Score": 55,
      "Reason": "Transaction hit a velocity or rule threshold"
      },
    "Installments": 3
    }
}

Accept the Challenge:

Request:

POST https://securetest.smart2pay.com/v1/payments/203373/challenge/accept
Authorization: Basic MTAxMDpnYWJp

Response:

HTTP/1.1 200 OK
Content-Type: application/json; charset=utf-8

{
  "Payment": {
    "ID": 203373,
    "ClientIP": null,
    "SkinID": null,
    "Created": "20180209082529",
    "MerchantTransactionID": "s2ptest_j10",
    "OriginatorTransactionID": null,
    "Amount": "100",
    "Currency": "BRL",
    "CapturedAmount": "0",
    "ReturnURL": "http://demo.smart2pay.com/redirect.php",
    "Description": "test payment",
    "StatementDescriptor": "card payment",
    "MethodID": 6,
    "MethodOptionID": null,
    "SiteID": 1010,
    "NotificationDateTime": null,
    "Customer": null,
    "BillingAddress": null,
    "ShippingAddress": null,
    "Articles": null,
    "Card": {
      "HolderName": "John Doe",
      "Number": "411111******1111",
      "ExpirationMonth": "2",
      "ExpirationYear": "2021",
      "IssuingBankCountry": null
      },
    "CreditCardToken": null,
    "Status": {
      "ID": 9,
      "Info": "Authorized",
      "Reasons": []
      },
    "MethodTransactionID": null,
    "PaymentTokenLifetime": null,
    "Capture": false,
    "RedirectURL": null,
    "3DSecure": false,
    "Fraud": {
      "Status": "Challenge",
      "Score": 55,
      "Reason": "Transaction hit a velocity or rule threshold"
      },
    "Installments": 3
    }
}

Reject the Challenge:

Request:

POST https://securetest.smart2pay.com/v1/payments/203374/challenge/reject
Authorization: Basic MTAxMDpnYWJp

Response:

HTTP/1.1 400 Bad Request
Content-Type: application/json; charset=utf-8

{
  "Payment": {
    "ID": 203374,
    "ClientIP": null,
    "SkinID": null,
    "Created": "20180209082726",
    "MerchantTransactionID": "s2ptest_j11",
    "OriginatorTransactionID": null,
    "Amount": "100",
    "Currency": "BRL",
    "CapturedAmount": "0",
    "ReturnURL": "http://demo.smart2pay.com/redirect.php",
    "Description": "test payment",
    "StatementDescriptor": "card payment",
    "MethodID": 6,
    "MethodOptionID": null,
    "SiteID": 1010,
    "NotificationDateTime": null,
    "Customer": {
      "ID": 298,
      "MerchantCustomerID": null,
      "Email": "challenge@challenge.com",
      "FirstName": "John",
      "LastName": "Doe",
      "Gender": null,
      "SocialSecurityNumber": "00003456789",
      "Phone": null,
      "Company": null
      },
    "BillingAddress": {
      "ID": 9590,
      "City": "Iasi",
      "ZipCode": "7000-49",
      "State": "Iasi",
      "Street": "Sf Lazar",
      "StreetNumber": "37",
      "HouseNumber": "5A",
      "HouseExtension": "-",
      "Country": "BR"
      },
    "ShippingAddress": null,
    "Articles": null,
    "Card": {
      "HolderName": "John Doe",
      "Number": "411111******1111",
      "ExpirationMonth": "2",
      "ExpirationYear": "2021",
      "IssuingBankCountry": null
      },
    "CreditCardToken": null,
    "Status": {
      "ID": 3,
      "Info": "Cancelled",
      "Reasons": [
      {
        "Code": 118,
        "Info": "Transaction rejected by merchant"
        }
      ]
    },
    "MethodTransactionID": null,
    "PaymentTokenLifetime": null,
    "Capture": false,
    "RedirectURL": null,
    "3DSecure": false,
    "Fraud": {
      "Status": "Challenge",
      "Score": 55,
      "Reason": "Transaction hit a velocity or rule threshold"
      },
    "Installments": 3
    }
}