How do I interpret the Online Fraud indicators?

The Online Fraud check compares the location provided by the device used to complete the verification to the location of the internet provider (IP).  The ideal result will show both locations in close proximity to each other and in the same country.

If an online fraud check does not pass, this does not automatically mean that the transaction is fraudulent.  Valid reasons for this scenario include if the person being verified is using a Virtual Private Network (VPN), or if the IP address has been sold at some point and is now located elsewhere.

Key factors to look at for a negative online fraud result are:

  • If all other checks have passed i.e. the more checks have failed the higher the risk;
  • If the device-provided location and the IP location are in different countries; and/or
  • If the IP location resides in one of the top scamming countries.

With these points in mind, review the transaction against your organisation's risk appetite, and only once you have done this should you consider forcing a Match.