X-Payments:NoFraud fraud prevention

X-Payments user manual

1. X-Payments:General information
   • How It Works
   • Key features
2. What's New
   • What's New in X-Payments 3.1
   • What's New in X-Payments 3.0
3. System requirements
   • System requirements for X-Payments 3
   • System requirements for X-Payments 2.2
4. Installation
   • Installing X-Payments
   • Setting up file permissions for X-Payments
   • Getting started with X-Payments
5. Two-factor user authentication
   • Two-factor authentication (X-Payments 3)
   • Managing PIN codes (X-Payments 2.2 and earlier)
6. Configuring X-Payments
   • General settings
   • Online stores
   • Payment configurations
   • Encryption keys
   • 3D-Secure settings
   • KOUNT Antifraud screening
   • NoFraud fraud prevention
   • Signifyd fraud protection and chargeback prevention
7. Managing users
8. Customizing the interface
   • Customizing the interface (X-Payments 3)
   • Customizing the interface (X-Payments 2.2 and earlier)
9. Managing payments
10. Unistalling X-Payments
11. Upgrading
12. Moving X-Payments from one host to another
13. Viewing X-Payments logs
14. FAQ
15. Troubleshooting
16. Glossary
17. Supported payment gateways
    • Payment gateways supported by X-Payments 3.1
    • Payment gateways supported by X-Payments 3.0
    • Payment gateways supported by X-Payments 2.2
18. Popular Payment Methods Configuration Instructions
    • PayPal Payments Pro (PayPal API), PayPal Payments Pro (Payflow API), Payflow Pro
    • PayPal REST API
    • First Data Payeezy Gateway (ex- Global Gateway e4)
    • CyberSource - SOAP toolkit API

Starting with version 3.0.2, X-Payments provides integration with NoFraud. NoFraud is a comprehensive fraud prevention service that employs every known fraud prevention technology in a single centralized system, producing the most precise decision-making fraud prevention application. NoFraufd sits between your store site and your payment gateway reviewing payment transactions in real time through complex algorithms so that only the legitimate transactions are sent to the gateway for processing. Any transactions declined by NoFraud are bounced back to the customer while they are still at the cart. Approved transactions are passed along to the gateway for uninterrupted processing. For the small percentage of transactions where a Pass or Fail decision is not available, NoFraud contacts the cardholder for verification. As a result, NoFraud eliminates the need for manual review of transactions and prevents the declining of legitimate customers. NoFraud takes just a few minutes to set up and does not require training or dedicated staff to run or maintain. With no setup fees and low per-transaction billing rates, NoFraud allows anyone to try the system with little risk. All you need to do is choose a plan to match your needs. You can even get a one or two week free trial by contacting NoFraud at info@nofraud.com or 888-773-3669.

Getting started with NoFraud

NoFraud integration is included with X-Payments versions 3.0.2 and later and does not require installation. You will need a NoFraud account.

To start using NoFraud, complete the steps below:

1. If you haven't yet done so, sign up for a NoFraud account.
   
   
   
2. After creating your NoFraud account, log in to the Account Manager portal.
   
   On the bottom left of your portal account, you will see a few tabs that require merchant information input. Make sure all the required information for your account has been provided correctly. NoFraud provides some help guides and references in the "Resources" section that you may find helpful. For example, the NoFraud Portal Guide provides a thorough explanation of all the settings.
   Please pay particular attention to the "Integration" tab. Through this tab, you will need to select the type of integration you are using. From the 'Add new integration' menu, select the 'Direct API' method. After adding your integration in your portal account, you will get an API key code for your integration (this code is generated automatically).
   
   You will need to copy this code from your account and input it into the appropriate field in X-Payments, so for now simply copy the code to clipboard.
   
   
3. In a new browser tab or window, log in to X-Payments and go to the 'Payment Configurations' page (Settings -> Payment configurations).
   
   
   
4. Locate the payment configuration for which you want to enable NoFraud and click on the NoFraud Configure link shown near it. It is possible to enable NoFraud service for more than one payment configuration; in this case, you will need to complete NoFraud configuration (as provided by instructions under steps 4-7 of this procedure) for each of these payment configurations.
   
   
   
5. Clicking on the NoFraud Configure opens the NoFraud settings page for the chosen payment configuration. For example, in the screenshot below you can see the page for configuring NoFraud to be used with Authorize.Net:
   
   
   Scroll down to page to provide your NoFraud settings:
   
   • API key: Use this field to input the API key code you have obtained in your NoFraud portal account.
   • Test/Live mode: Set the mode for your NoFraud integration. Note that this setting must match the mode you have chosen for your NoFraud integration in your portal account settings.
     
     
     
6. Save the changes by clicking Save.
   
   
7. Enable NoFraud service for the payment configuration:
   
   
   

That is all; NoFraud service has been activated for the payment configuration in question. Note how NoFraud service status for that payment configuration has changed to "Enabled":


From now on, any payment transactions via the payment method enabled by the said payment configuration will be checked by NoFraud.

Using NoFraud

Once activated for one or more payment configurations in X-Payments, NoFraud works automatically for all the incoming payments via the respective payment methods. The results of checking by NoFraud can be viewed in X-Payments, in the admin back end of the online store and in the NoFraud portal.

To view NoFraud results in X-Payments:

1. Go to the ' Payments' page and locate the payment for which you would like to view the NoFraud results.
2. Click on the Reference ID of the payment to access the payment details.
   In the table with the payment details, you will be able to see whether the NoFraud check has been passed successfully of failed in the "NoFraud results" section:
   
   
   If NoFraud is not able to set either 'passed' or 'failed' status right away, it sets the status 'being reviewed by NoFraud'. In this case the NoFraud result will be as follows:
   
   
   The status 'being reviewed by NoFraud' means that NoFraud needs time to conduct additional customer verification. Once the process is completed, NoFraud will send the final verification result to the X-Payments administrator by email. Note that the NoFraud status of the payment in X-Payments will not be updated.
   
   

To view NoFraud results in your online store's back end, go to the section where you view order details. The result of checking by NoFraud will be available in the order details similarly to what you see in X-Payments. Here's an example of NoFraud results shown in X-Cart 5:

To view the results of a NoFraud check in the NoFraud portal, simply follow the transaction id link (provided both in the details of the payment X-Payments and in the order details in your store's back end):