Choose the integration approach that best fits your business needs and payment processing flow.
The transaction risk screening service supports two integration modes:
- Standalone: For a standalone fraud screening service and flexibility around when and how to invoke risk screening.
- Integrated: For a simplified integration and a consistent enforcement of risk screening rules.
You subscribe to the risk screening service independently of PXP's payment gateway services. This decoupled approach enables businesses of all sizes to use our advanced fraud prevention capabilities without relying on or integrating with the payment processing flow.
Regardless of your integration mode, you have the choice between two assessment flows: pre-authorisation or post-authorisation. You can change the assessment flow at any point.
The transaction is evaluated for fraud before the payment authorisation request is initiated. You collect device and transaction data, then call the risk screening API. If the transaction is deemed low-risk, you then proceed with payment authorisation. Otherwise, the transaction is blocked before it reaches the issuer.
Key benefits:
- Prevents high-risk transactions from being authorised.
- Saves on processing and chargeback costs.
- Reduces fraud at the entry point.
The risk screening takes place after the payment has been authorised by the issuer. Once approved, you trigger the risk screening API. Based on the risk outcome, the transaction can then either be captured or voided.
Key benefits:
- Useful when immediate authorisation is required.
- Adds a fraud check layer before final settlement.
- Allows you to reverse transactions that are deemed risky.