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letters. The seller can decide that the transactions that fail this watch code
can be allowed to process. However, if a transaction were placed using a
credit card on the bad credit card database, the seller would typically want
this transaction to be automatically declined. The watch action on the watch
code for the bad card database would then be set to decline.
Action Description
Process If the watch action of process is selected for a
watch code, then the transaction will be allowed to
process despite failing the watch code.
Decline If the watch action of decline is selected for a
watch code, then the transaction will be
automatically declined if the transaction fails that
fraud filter.
Hold If the watch action of hold is selected for a watch
code, then the transaction will be placed on hold
awaiting manual review.
Authentify This watch action only applies when the Authentify
service is active. If the watch action of Authentify
is selected for a watch code, then the buyer will
receive a phone call from the Authentify system. If
the buyer fails to confirm with Authentify, then the
transaction will be processed according to the
watch action set on the AU (Authentify) watch
code.
If more than one watch code is applied to a transaction, then the fraud
system follows a set hierarchy when determining what action to take on a
particular transaction. The hierarchy is listed below.
1 Decline
2 Hold
3 Authentify (If service is active.)
4 Process
For example, if a transaction has been entered and has failed four of the
watch tests,
Watch
Code
Watch
Action
FM Process
OV Hold
XP Decline
IQ Authentify
The transaction would be declined and Authentify would not be used.
AssureBuy Payment Processing Microsoft Great Plains Dynamics/eEnterprise Introduction to AssureBuy • 24