XP Cloud:Managing High Risk Transactions (Accept/Decline)

X-Payments Cloud User Manual

1. X-Payments Cloud: General information
2. Get Started with X-Payments Cloud
3. Two-factor User Authentication
   • with the Google Authenticator App
   • with SMS/Text Messages
   • with Backup Codes
   • Add an Alternative Method
   • Change the Preferred Method
4. General Settings
5. Payment Configurations
   • Add a Payment Configuration
   • Payment Configurations List
     
   • View the Details of a Payment Configuration
     
   • Enable/Disable a Payment Configuration
     
   • Edit the Details of a Payment Configuration
     
   • Delete a Payment Configuration
     
   • Choice of Payment Configuration for a Payment
6. Services
   • 3D-Secure
   • KOUNT Antifraud Screening
   • NoFraud Fraud Prevention
   • Signifyd Fraud Protection
   • Apple Pay
   • Google Pay
7. Users
   • Add a New User Account
     
   • Users List
     
   • View a User's Account Details
     
   • Edit a User's Account Details
     
   • Change a User's Account Status
     
   • Manage User Permissions
     
   • Request Password Change for a User
     
   • Delete a User Account
     
8. User Interface
   • Customize the Payment Form Appearance
   • Translate or Edit the User Interface Text
9. Payments
   • Payments List
   • Payment Statuses
   • Search for Payments
   • View the Details of a Payment
   • Delete a Payment
   • Auth and Capture (Capturing Funds)
   • Void an Authorization
   • Issue a Refund
     
   • Manage High Risk Transactions
     
   • Emulate Transactions
     
   • Clear Cardholder Data
   • Tokenization and Re-Use of Saved Cards
     
   • Delayed Payment Feature
     
10. Supported Payment Gateways
11. What's New in X-Payments Cloud

Some payment gateways provide merchants with fraud protection tools that allow them to identify potentially fraudulent transactions and manage their own fraud risk – to make their own decisions about which payments to accept or decline.

For example, some payment solutions by PayPal allow the merchant to set up Fraud Protection filters which make it easier for the merchant to detect and respond to fraudulent transactions. Depending on the merchant's preferences, the transactions identified as having a higher likelihood of risk can be rejected or held pending for review by the merchant so the merchant can explicitly accept or deny the payment.

X-Payments supports this feature for some payment gateway integrations (See Supported payment gateways, "Accept" and "Decline" columns).

When a transaction is identified as high-risk by the payment gateway, the payment gets the "Authorized with warning"/"Charged with warning" status in X-Payments Cloud:

The following section appears on the Payment details page for the payment:

You can use the Accept and Decline buttons in this section to specify whether you want to accept or decline the transaction.

If the transaction is accepted, the payment status is updated from "Authorized with warning" or "Charged with warning" to simply "Authorized" or "Charged". If the transaction is declined, the payment becomes "Declined".