FraudTrak2 – Configuration Reference Guide

Overview

FraudTrak2 provides configurable controls for filtering, validating, and restricting transactions. Each setting allows merchants to define how transactions are evaluated based on address data, card data, geographic origin, and behavioral patterns.

1. High Limit Check

UI Field:

  • Transaction Amount [ 123.45 ] High Limit

Options:

  • Set a maximum transaction amount threshold
  • ☐ Ignore High Limit if AVS and CVV match

Behavior:

  • Transactions above the defined amount are subject to fraud controls
  • Can be bypassed if both AVS and CVV validations match (if enabled)

2. AVS (Address Verification System)

AVS Levels

Level Description
-1 AVS level set dynamically
0 Allow all transactions (no AVS rejection)
1 Require ZIP or Address match; allow if AVS unavailable
3 Require ZIP or Address match; reject all others, including unavailable AVS
4 Require Address match or exact match (ZIP + Address); reject all others
5 Require exact match (ZIP + Address); reject all others
6 Require exact match (ZIP + Address); allow if AVS unavailable

Require Address Fields

Options:

  • ☑ Enable required fields

    • ☑ Street Address
    • ☑ ZIP/Postal Code

Behavior:

  • Selected fields must be provided for transaction processing

3. CVV2 / CVC2 Controls

Options:

  • ☑ Require CVV2/CVC2 data submission
  • ☐ Create exception for swiped cards
  • ☐ Ignore AVS response if CVV matches
  • ☐ Reject if CVV is unavailable from issuing bank
  • ☐ Ignore CVV response
  • ☐ Require CVV for Virtual Terminal authorizations
  • ☐ Ignore CVV and AVS responses for 3D authenticated transactions

4. Cardholder Name Validation

Check Card Name

Option:

  • ☑ Validate billing name format

Behavior:

  • Billing name is checked for proper format

5. IP Address Frequency Check

Options:

  • ☐ Skip IP frequency check

  • OR

  • Limit transactions:

    • Only allow [ 5 ] transactions per hour per IP
    • Range: 5–99 (default: 5)

  • ☑ Exempt IPs registered in Security Admin

Behavior:

  • Controls how many transactions are allowed from a single IP address within one hour

6. Match IP to Card Country

Option:

  • ☐ Require Billing Address Country to match IP country

Note:

  • IP geolocation is not exact
  • Estimated accuracy: 99%

7. Duplicate Transaction Check

Options:

  • ☑ Enable duplicate checking

Settings:

  • Time Window: [ 5 ] minutes (range: 5–9999)

  • Matching Criteria:

    • (x) None
    • ( ) Account Code

  • Response:

    • ( ) Problem
    • (x) Echo original status

Behavior:

  • Transactions with same card number and amount within the defined window are treated as duplicates

8. Match ZIP Code

Option:

  • ☐ Require ZIP Code to match Billing State

9. Block Card Types

Options:

  • ☐ Visa
  • ☐ Mastercard
  • ☐ All Debit Cards
  • ☐ All Credit Cards

10. Negative Database Settings

Options:

  • ☑ Use all entries
  • ☐ Use only merchant-submitted numbers
  • ☐ Skip check

11. Block IP Address

Options:

  • ☐ Enable IP blocking
  • ☐ Include source IP (Remote API merchants only)

UI Fields:

  • IP Address: [ Enter_IP ] → Add
  • Current Blocked: [ IP_BLOCKLIST_SELECT_LIST ] → Remove

12. Block Source IP Country

Option:

  • ☐ Enable country-based IP restrictions

Behavior:

  • When enabled, all settings below apply
  • Default behavior: block all except explicitly allowed

Configuration Options

  • ☐ Allow ALL except blocked IPs

  • ☐ Allow US IPs

  • ☐ Allow Canadian IPs

  • ☐ Allow Mexico IPs

  • ☐ Allow European Union IPs

  • ☐ Block Eastern Europe

    • (Serbia, Russia, Ukraine, Poland, Hungary)

Country List Management

  • Available Countries: [ COUNTRY_SELECT LIST ]
  • Current Blocked: [ COUNTRY_SELECT LIST ]

Actions:

  • Move countries between lists
  • Click Update Countries

13. Block Bank BINs

Options:

  • (x) No Action
  • ( ) Block listed BINs
  • ( ) Only allow listed BINs

UI Fields:

  • Bank Bin: [ ENTER_BIN ] → Add
  • Current Blocked: [ BLOCKED_BIN_SELECT_LIST ] → Remove

Additional Option:

  • Export Bank Bin Table

14. Block Bank BIN Regions

Options:

  • ☐ Enable BIN region filtering

Modes:

  • (x) Block selected regions
  • ( ) Only allow selected regions

Available Regions

  • ☐ US (United States)
  • ☐ CAN (Canada)
  • ☐ EU (European Union)
  • ☐ AP (Asia Pacific)
  • ☐ LAC (Latin America/Caribbean)
  • ☐ SAMEA (South Asia, Middle East, Africa)

15. Block Proxy

Option:

  • ☑ Block anonymizer proxies

16. Block Email Domain

Options:

  • ☐ Enable domain blocking

UI Fields:

  • Available Domains: [ EMAIL_DOMAIN_SELECT_LIST ]
  • Current Blocked: [ EMAIL_DOMAIN_SELECT_LIST ]

Actions:

  • [ ADD_EMAIL_DOMAIN ] → Add Domain
  • Update List

17. Block Phone Numbers

Options:

  • ☑ Enable phone number blocking

UI Fields:

  • Phone Number: [ ADD_PHONE ] → Add
  • Current Blocked: [ BLOCKED_PHONE_SELECT_LIST ] → Remove

18. Block Country

Option:

  • ☑ Enable country blocking

UI Fields:

  • Available Countries: [ COUNTRY_SELECT_LIST ]
  • Current Blocked: [ COUNTRY_SELECT_LIST ]

19. Negative Database Entry

UI Fields:

  • Order ID: [ ENTER_ORDERID ]
  • Card Number: [ ENTER_CARD_NUMBER ]
  • Reason: [ REASONS_SELECT_LIST ]

Example Reason:

  • Card Reported as Stolen

Summary

FraudTrak2 provides configurable controls across:

  • Transaction limits
  • Address verification (AVS)
  • Card verification (CVV)
  • IP-based controls
  • Geographic restrictions
  • Duplicate and velocity checks
  • Payment method restrictions
  • Negative database enforcement

Each setting can be enabled, disabled, or customized using the provided UI fields and selection lists.