To help reduce the risks associated with accepting cards, MultiSafepay's automated fraud filter reviews all card payments.
All card transactions are assigned a fraud score from 1-10: 10 being the most at risk of fraud.
For higher-risk transactions, the payment is placed on hold and the transaction status changes to Uncleared.
|Fraud score||On hold||Action required|
|1–5 Low risk||No||None.|
|6–8 Medium risk||Yes||Review in your dashboard and capture or decline.|
|8–10 High risk||Yes||MultiSafepay reviews and captures or declines.|
📘 Note: High-scoring transactions aren't always fraudulent, and low-scoring ones may still carry risk.
When uncaptured payments are awaiting your review in your dashboard, you receive a notification in your dashboard and an email to the address provided under Account information in the account list at the top-right of the screen.
The final decision to capture or decline lies with you, as you are solely liable for any financial damage.
For professional advice on reviewing and evaluating potential risks or fraud indicators, email [email protected]
If you take no action, uncaptured transactions automatically expire after 5 days.
How to review uncaptured payments
To review uncaptured payments, click the dashboard notification, or:
- Sign in to your MultiSafepay dashboard .
- Go to Transactions > Uncleared transactions.
- Click each transaction in the list to view the Transaction details page, including:
- Basic information about the transaction, history data, and any notes
- The fraud score
- A risk summary – For a detailed risk report, click More information.
- If the customer is enrolled for 3D Secure
- Evaluate the transaction (see guidance below) and:
- To capture, click Accept.
- To decline, click Decline.
The following indicators paint a cumulative picture of uncaptured payments, but are no guarantee against fraud. If you are in any doubt about a payment, we recommend declining it and notifying the customer.
3D Secure is an authentication protocol for verifying the cardholder's identity, e.g. with an additional password or code, or a card reader. If the customer passes authentication, you are protected against fraud-related chargebacks.
Check if the customer is enrolled for 3D Secure. On the Transaction details page > Risk summary, their status displays as Enrolled.
3D Secure statuses
|3D Secure result||Description|
|Enrolled, Liability||3D Secure available and successfully authenticated. Liability for fraud is shifted to the cardholder and chargebacks are not possible.|
|Not Enrolled, Liability||3D Secure available, but not used or successfully authenticated. Liability for fraud is shifted to the cardholder and chargebacks are not possible.|
|No Liability||3D Secure not available. You retain liability for fraud chargebacks.|
You can view customer information in your dashboard and in your backend, which may contain information we do not have access to.
- Are they a known customer? Are they a good customer or have you had problems with them before?
- Do they fit the profile of your average customer, e.g. location, average order value?
- Check the customer's email address. Fraudsters generally use auto-generated email addresses and free email services.
- In case of doubt, contact the customer. Have you ever had contact with them before? What is your impression of them?
- Ask if the customer is willing to complete the order using a different payment method with a
payment guarantee, such as a bank transfer.
- You can also ask the customer for a copy of their ID card and/or a card statement to verify that they are the cardholder.
In many cases, the cardholder did initiate the transaction, but that is no guarantee it is not fraudulent.
Does the country address match the location of the IP address and country where the card was issued? Discrepancies are often easily explained, e.g. vacations or business trips.
We recommend comparing where payments were made to where the card was initially issued. Pay attention to locations that are far apart, particularly if one is in a high-risk area.
Under Fraud info (next to the fraud score), there are several other fraud risk indicators based on the email address and shipping details.
Under History data, there is information about the number of cards used from the same IP address or with the same email address. If this number is high, it may indicate a fraudster, but may also indicate a big order from a large business.
For more information about the card used, in the Transaction details page, click View risk report.
You can view the number of cards used:
- Via a specific IP address
- With a specific email address
After you ship a Klarna, Riverty, Betaal per Maand, and Pay After Delivery order, the order status is Shipped and the transaction status is Uncleared. At this point, the transaction is confirmed and settlement is guaranteed. The transaction status changes to Completed when MultiSafepay adds the funds to your account balance.
Specific product or service
The risk of fraud strongly correlates with the type of products or services you offer. Popular products among fraudsters include consumer electronics, jewelry, and clothes by well-known fashion and designer brands. These products are easily re-sold for a worthwhile value, especially when ordered in bulk.
- Is the product easy to re-sell?
- Does the order make sense?
- Is the product selection or order size unusual?
Check if the transaction amount is noticeably higher or lower than average. Are you willing to risk this payment being revoked after delivering your product or service?
Email [email protected]
Updated 9 days ago