The status uncleared means that we have received a credit card transaction, but the payment has not been automatically accepted, because our anti-fraud module has detected unusual data. You can find the details of why the transaction has not been accepted under the details or Risk Report. Occasionally, additional information will be added in the Transaction Notes.
It is up to you whether you want to accept or decline the transaction. You can make an informed decision based on the information provided in the Risk Report.
Because of the fraud risk when receiving and processing credit card payments, we have added a small explanation. The explanation entails and helps with accepting or rejecting a credit card transaction marked with the status uncleared. The responsibility for processing credit card payments lies entirely with the webshop. Therefore, it is up to you whether you want to accept or decline the transaction.
In the Risk Report, we have explained a number of important verification points to minimize the fraud risk when accepting a credit card payment marked with the status uncleared.
The so-called uncleared status can be assigned to any credit card payment. In this case, the payment is placed ‘on hold’ by the MultiSafepay fraud filter. Transactions marked with the status uncleared must be evaluated and either be accepted or refused by the merchant. We would like to emphasize that our automated fraud filter detects an increased risk of fraud, but it does not prevent all fraudulent payments. On the other hand, not every credit card payment detected by our fraud filter is necessarily a fraudulent payment.
When you accept payments by credit card, there are risks associated with it. The risk of financial damage, for example by fraud, is carried by the merchant; neither MultiSafepay nor the credit card holder are accountable in this case. When the credit card holder discovers a fraudulent payment, they can demand a refund of the payment, even if products ordered have already been delivered. This is called a ‘chargeback’.
When a credit card transaction marked with the status uncleared is received, an uncleared status notification is sent to the backend of the webshop. The notification is also visible in your MultiSafepay Control. You will be able to see an alert indicating that uncleared payments are awaiting your approval. Click on the notification to go to the list of uncleared payments, then click on a transaction to open it. In this screen you will see the basic information of the transaction and a risk summary on the right. Here you will also find the buttons to accept or decline the transaction. To view a detailed risk report, click on the more information button when reviewing a transaction in MultiSafepay Control.
Under the contact details in your MultiSafepay Control, you can add an email address to enable receiving email notifications informing you about received uncleared transactions.
Ask yourself if the transaction amount (of a purchase) is higher (or lower) than average. Are you willing to risk that this payment will be revoked after you have delivered your product and /or service? Consider whether the amount is unusually high compared to the average order value in your webshop.
The risk of fraud also strongly depends on the products and/or services you offer. Customer electronics, jewelry and pages by well-known fashion and designer brands are examples of products that are popular among fraudsters. These products can be re-sold quite easily. Expensive products are also worth more to sell for fraudsters than cheap products, especially when ordered in large quantities. Ask yourself the following:
View customer information available in your MultiSafepay Control as well as in your own system. Your own system may provide additional useful information, unknown to MultiSafepay. Ask yourself the following questions:
3D Secure is an additional security measure intended to reduce fraud. It is an extra step to verify the identity of the actual card holder.
|3D Secure Result||Meaning|
|Enrolled Liability||3D Secure available and successfully verified. Liability for fraud is shifted to the cardholder, fraud chargeback is not possible.|
|Not Enrolled, liability||3D Secure available, but not used or successfully verified. Liability for fraud is shifted to the cardholder, fraud chargeback is not possible.|
|No Liability||No 3D Secure verification available, liability not shifted, fraud chargeback is possible.|
Click on ‘View risk report’ in your MultiSafepay Control for more information about the credit card used for the transaction. Here you will find information about the number of credit cards used via a particular IP address and the amount of credit cards used in combination with a particular email address. Here are some points to consider:
Together, these indicators paint an accurate picture of what uncleared transactions are and how they should be addressed. However, these indicators offer no foolproof guarantee against fraudulent transactions. It is essential to consider all factors when evaluating a transaction; how likely is the possibility of fraud, what risks do you face based on your products, order value, etc.? If you trust the payment or consider it ‘low risk’, then you can accept the transaction. If you have any doubt, the transaction can be declined. We recommend that you notify your customer should you decide to reject their transaction.