Understanding Policies - Risk

Policies, sometimes referred to as “Risk Policies”, is a comprehensive risk management system designed to automate and streamline decision-making processes for Merchants and transactions on the platform. Facilitators can create and configure Policies that serve as a set of rules and conditions governing how various risk services and checks are applied.

Policies provide a powerful and customizable platform for automating risk management decisions, leveraging a variety of native and third-party risk review services and checks, and offering a flexible framework to adapt to the dynamic nature of Merchant and Transaction risk assessment.

A Policy is made up of 7 components: Stage, Target Decisions, Sub-Decisions, Rules, Dependencies, and Failover Dependencies.

Policy Component	Description
Stage	The Merchant boarding or Transaction processing stage where the Policy will be applied.
Target	The Partition (Facilitator portfolio), Division (a Referrer’s portfolio), or Entity (Referrer or Merchant).
Status	Whether or not the Policy will be actively applied (Active or Inactive).
Decisions	A configuration of risk rules allowing Facilitators or Referrers to set specific risk criteria to determine the automated action that should occur to a transaction or entity.
Sub-Decisions	Specific Decision criteria used to initiate the Decision Action.
Rules	Conditional Sub-Decision criteria to further refine the Decision Action requirement.
Dependencies	The result of another Decision acts as a prerequisite to trigger the current policy.
Failover Dependencies	The action that should be taken if a Decision dependency fails or an error occurs to avoid the Decision action.

Stage

The Stage determines at what Merchant Boarding or Transaction processing status that the Policy should take effect:

Stage	Description	Status Type
Create Entity	When an entity is created.	Merchant Boarding
Pre-board	When the entity is created, but not yet boarded.	Merchant Boarding
Underwriting	When an entity is being risk-reviewed for boarding.	Merchant Boarding
Post-board	After the entity has passed risk review and completed boarding.	Merchant Boarding
Transaction	For any transaction processing event.	Transaction Processing
Activation	When a payment terminal is activated in a payment transaction.	Transaction Processing
Auth	When a credit card is authorized for a transaction.	Transaction Processing
Post-Auth	After a credit card has already been authorized for a transaction.	Transaction Processing
Capture	When a credit card payment is captured.	Transaction Processing
Refund	When a transaction refund is issued.	Transaction Processing
E-Check	When an eCheck transaction is processed.	Transaction Processing
Change Review	When a bank account change request occurs from an entity.	Merchant Boarding

Decisions

Decisions serve as the central control points within a Policy, coordinating the application of Sub-Decisions, Rules and Dependencies with the initially specified risk service.

You can find all available Decisions here:

Click here to see a list of all Decisions.

Decision	Description	Available Sub Decisions
Realtime Member Search	Designed to identify Individuals who have been designated risks by the US and Foreign governments.	Entity Score Address Conflict Citizenship Conflict Country Conflict DOB Conflict Entity Type Conflict Gender Conflict ID Conflict Phone Conflict
Realtime Business Search	Designed to identify Businesses who have been designated risks by the US and Foreign governments.	Entity Score Address Conflict Citizenship Conflict Country Conflict DOB Conflict Entity Type Conflict Gender Conflict ID Conflict Phone Conflict
MasterCard MATCH	A database that houses information about businesses (and their owners) whose credit card processing privileges have been terminated for a set of very specific reasons. Submissions can be flagged based on a partial, full, or no match indicator.	Possible Matches Name Doing Business As Name Address Phone Number Alt Phone Number Country Subdivision Tax ID National Tax ID Service Provider Legal Service Provider DBA Representative Name Representative Address Representative Phone Number Representative Alt Phone Number Representative National ID Representative Drivers License ID Theft Rep National ID ID Theft Rep National Tax ID Termination Reason Code
Business Instant ID	Validates and verifies Business information, and TIN across multiple databases using a powerful, proprietary search and comparison process.	Business Score Verification Code Company Name Verification Street Address Verification City Verification State Verification ZIP Verification Phone Verification EIN Verification Risk Indicator Code OFAC Watch List Match Global Watch List Match Business Risk Address Match Business to Rep Link Index REP CVI Score REP Risk Indicator Score REP DOB Code REP NAS Code REP Watch List Match REP PO Box Address REP Decedent Match
Consumer Instant ID	Validates and verifies a consumer's identity information, and DOB across multiple databases using a powerful, proprietary search and comparison process.	CVI Code Risk Indicator Code NAS Code NAP Code Decedent Match SSN Match DOB Code PO Box Address Watch List Match Red Flag Code
Consumer Instant ID Basic		CVI Code Risk Indicator Code NAS Code NAP Code Decedent Match SSN Match DOB Code PO Box Address Watch List Match
ThreatMetrix	A comprehensive digital identity to authenticate each connecting user by combining information relating to devices, anonymized identity information, behavior patterns, and threat intelligence.	Review Status Policy Score Reason Codes Risk Rating
Transaction ThreatMetrix		Review Status Policy Score Reason Codes Risk Rating
ThreatMetrix Emailage		Fraud Risk Score Risk Reason Risk Band Digital Identity Score Total Hits Unique Hits Level Fraud Type Email Exists Email Creation Days First Seen Days Name Match Domain Risk Level Domain Exists Domain Relevant Info Domain Creation Days Domain Country Name Domain Corporate IP Risk Level IP Risk Reason Email To IP Confidence Email to Phone Confidence Email to Name Confidence IP to Phone Confidence IP to Name Confidence Email Owner Friend Count Phone Status Phone Owner Match Phone Carrier Type Reason Codes
ThreatMetrix Fraudpoint		Score Manipulated Identity Index Friendly Fraud Index Stolen Identity Index Suspicious Activity Index Synthetic Identity Index Vulnerable Victim Index Risk Indicator Codes Transaction Status Transaction Reason Code Product Status Reason Codes
ThreatMetrix PhoneFinder		Consumer Time Last Seen With Phones Consumer Time with Phones Deceased Indicators Phone Verification Message Primary Identity Full Name Primary Phone Carrier Primary Phone Type Primary Phone Risk Count High Primary Phone Risk Count Medium Primary Phone Risk Count Low Primary Phone Risk Indicator Messages Primary Phone Risk Indicator Status Primary Phone Status Primary Phone Verification Indicator Reason Codes
LegitScript Register	Boards the merchant for online compliance review against the operating regulations of Visa, Mastercard, and other major payment networks.	Correlation ID
Equifax Consumer Credit Report		FICO Score Reason Code
Charity Check	Ensure charities are compliant with key databases including IRS Publication 78, IRS Business Master File, Internal Revenue Bulletin, Automatic Revocation of Exemption, and OFAC Specially Designated National list.	Subsection Code PUB78 Verified
GIACT Inquiry	GIACT Inquiry	Account Response Code Customer Response Code Verification Response
GIACT Txn Inquiry	GIACT Inquiry for Transaction	Account Response Code Customer Response Code Verification Response
GIACT gAuthenticate		Verification Result Account Verification Result Account Authentication Result Account Owner Signer
GIACT Transaction gAuthenticate		Verification Result Account Verification Result Account Authentication Result Account Owner Signer
Payload Attribute		Entity Type Entity Public Entity Client IP Entity TC Date Entity TC Accept Date Entity TC Version Entity TIN Status Entity Industry Merchant Environment Merchant Annual Credit Card Sales Monthly Volume Merchant Average Ticket Merchant Established Date Merchant MCC Plaid Verification Custom Members Significant Responsibility Members Politically Exposed Members SSN TIN Global Business ID Email Domain Routing Number Change Request Division ID
Payload Transaction Attribute		Entity Type Entity Public Entity Client IP Entity TC Date Entity TC Accept Date Entity TC Version Entity TIN Status Entity Industry Merchant Environment Merchant Annual Credit Card Sales Monthly Volume Merchant Average Ticket Merchant Established Date Merchant MCC Plaid Verification Custom Transaction Payment Method Transaction Total Routing Number Imported Type Card on File Type Origin Token
Risk Rating		Credit Card Exposure Credit Risk Level Total Exposure ACH Exposure AML Risk Level AML Score AML Risk Category
Transaction Size		Transaction Total
Transaction Attribute		Transaction Token Transaction CVV Status Transaction CVV Sent Transaction Card-on-File Type Transaction Auth Code Transaction IP Created Transaction Type Merchant Last Activity
Transaction Authorization		Auth Code
AVS Response		Transaction Result AVS Code
Country Block		Country Code
Transaction Metrics		Daily All Transactions Count Daily All Transactions Amount Daily Declined Transactions Count Daily Declined Transactions Amount Daily Card Transactions Count Daily Card Transactions Amount Daily Declined Card Transactions Count Daily Declined Card Transactions Amount Daily Cards Present Transactions Count Daily Cards Present Transactions Amount Daily Declined Cards Present Transactions Count Daily Declined Cards Present Transactions Amount Daily Cards-Not-Present Transactions Count Daily Cards-Not-Present Transactions Amount Daily Declined Cards-Not-Present Transactions Count Daily Declined Cards-Not-Present Transactions Amount Daily Bank Transactions Count Daily Bank Transactions Amount Daily Declined Bank Transactions Count Daily Declined Bank Transactions Amount Daily Refunds Count Daily Refunds Amount Daily Declined Refunds Count Daily Declined Refunds Amount Daily Sales Daily Bad Authentications Daily Successful Authentications Weekly All Transactions Count Weekly All Transactions Amount Weekly Declined Transactions Count Weekly Declined Transactions Amount Weekly Card Transactions Count Weekly Card Transactions Amount Weekly Declined Card Transactions Count Weekly Declined Card Transactions Amount Weekly Cards Present Transactions Count Weekly Cards Present Transactions Amount WeeklyDeclined Cards Present Transactions Count Weekly Declined Cards Present Transactions Amount Weekly Cards-Not-Present Transactions Count Weekly Cards-Not-Present Transactions Amount Weekly Declined Cards-Not-Present Transactions Count Weekly Declined Cards Not Present Transactions Amount Weekly Bank Transactions Count Weekly Bank Transactions Amount Weekly Declined Bank Transactions Count Weekly Declined Bank Transactions Amount Weekly Refunds Count Weekly Refunds Amount Weekly Declined Refunds Count Weekly Declined Refunds Amount Weekly Sales Weekly Bad Authentications Weekly Successful Authentications Monthly All Transactions Count Monthly All Transactions Amount Monthly Declined Transactions Count Monthly Declined Transactions Amount Monthly Card Transactions Count Monthly Card Transactions Amount Monthly Declined Card Transactions Count Monthly Declined Card Transactions Amount Monthly Cards Present Transactions Count Monthly Cards Present Transactions Amount Monthly Declined Cards Present Transactions Count Monthly Declined Cards Present Transactions Amount Monthly Cards-Not-Present Transactions Count Monthly Cards-Not-Present Transactions Amount Monthly Declined Cards-Not-Present Transactions Count Monthly Declined Cards-Not-Present Transactions Amount MonthlyBank Transactions Count MonthlyBank Transactions Amount Monthly Declined Bank Transactions Count Monthly Declined Bank Transactions Amount Monthly Refunds Count Monthly Refunds Amount Monthly Declined Refunds Count Monthly Declined Refunds Amount Monthly Bad Authentications Monthly Successful Authentications
TIN Check	Validates your recipient's Name/TIN information in real-time against the IRS database, the Office of Foreign Assets Control list (OFAC), and the Death Master File (DMF) to ensure you have valid recipient Name/TIN information.	TIN Score Status Code
Trulioo Identity Document Verification (IDV)		Record Status Surname Given Name Address Line 1 Postal Code Day of Birth Month of Birth Year of Birth Telephone Number State or Province Code Email Address
Trulioo Business Verification		Record Status Address Line 1 Postal Code City State or Province Code Business Name Business Registration Number Jurisdiction of Incorporation TIN Found in Directors Officers Found in Company Ownership
Trulioo Async Business Verification		Record Status Address Line 1 Postal Code City State or Province Code Business Name Business Registration Number Jurisdiction of Incorporation TIN Found in Directors Officers Found in Company Ownership
TruliooAmlIdv		Record Status Surname Given Name Address Line 1 Postal Code Day of Birth Month of Birth Year of Birth Telephone Number State or Province Code Email Address
PlaidGetIdentity		Available Current ISO Currency Code Unofficial Currency Code Official Name Type Depository Subtype Phone-Email Mismatch Email-Zip Code Mismatch
PlaidIdentityMatch		Legal Name Score Phone Number Score Email Address Score Address Score Business Name Detected First or Last Name Match Postal Code Match
TxnPlaidIdentityMatch		Legal Name Score Phone Number Score Email Address Score Address Score Business Name Detected First or Last Name Match Postal Code Match
TxnPlaidGetIdentity		Available Current ISO Currency Code Unofficial Currency Code Official Name Type Depository Subtype Phone-Email Mismatch Email-Zip Code Mismatch
TxnPlaidGetAuth		Available Current Limit ISO Currency Code Unofficial Currency Code Last Updated Date and Time Official Name Type Depository Subtype Verification Status Insufficient Funds
BaselineTxnMetricsOutlierTicketSize		Sub-Decision Outlier Ticket Size Transaction Number Transaction Percentile Transaction Base

Sub-Decisions

Decisions utilize a modular approach called Sub-Decision to break down decisions tied to individual risk services like Realtime Member Search, ThreatMetrix, Equifax Consumer Credit Report, and more.

Policy Component	Description
Subtype	The specific risk service or check corresponding to a distinct Decision type.
Match Rule	Decides how the Sub-Decision is applied, either “All” (every owner meeting the criteria) or “Any” (only one owner having to meet the criteria).
Risk Level	Optional prioritization based on the Merchant’s Risk Score (0-100), with Low (67-100), Medium (34-67), or High (0-33).
Operator	Criteria filters determining the action based on the provided data from the risk service.
Value	Specific data values associated with specific Operators.
Action	The automated process(es) triggered when the Operator and Value criteria are met.

Subtypes

Subtypes are used to further specify the criteria needing to be met by the specific risk service data returned.

See the subtypes available for each decision below:

Realtime Member Search

Click here to see all Sub-Decisions for Realtime Member Search

Sub-Decision	Description	Operators	Valid Values
Entity Score	A score indicating confidence in the identity match.	Greater Than or equal to threshold Less Than or equal to threshold	Score values: 0 - 100
Address Conflict	Whether the address information for screening list entity matches.	Truthy Falsy	No value. Operators serves as the value.
Citizenship Conflict	Whether the citizenship information for screening list entity matches.	Truthy Falsy	No value. Operators serves as the value.
Country Conflict	Whether the country information for screening list entity matches.	Truthy Falsy	No value. Operators serves as the value.
DOB Conflict	Whether the Date of Birth information for screening list entity matches	Truthy Falsy	No value. Operators serves as the value.
Entity Type Conflict	Whether the Entity Type information for screening list entity matches	Truthy Falsy	No value. Operators serves as the value.
Gender Conflict	Whether the Date of Birth information for screening list entity matches	Truthy Falsy	No value. Operators serves as the value.
ID Conflict	Whether the ID information for screening list entity matches	Truthy Falsy	No value. Operators serves as the value.
Phone Conflict	Whether the ID information for screening list entity matches	Truthy Falsy	No value. Operators serves as the value.

Realtime Business Search

Click here to see all Sub-Decisions for Realtime Business Search

Sub-Decision	Description	Operators	Valid Values
Entity Score	A score indicating the confidence in the identity match.	Greater Than or equal to threshold Less Than or equal to threshold	Score values: 0 - 100
Address Conflict	Whether the address information for screening list entity matches.	Truthy Falsy	No value. Operators serves as the value.
Citizenship Conflict	Whether the citizenship information for screening list entity matches.	Truthy Falsy	No value. Operators serves as the value.
Country Conflict	Whether the country information for screening list entity matches.	Truthy Falsy	No value. Operators serves as the value.
DOB Conflict	Whether the Date of Birth information for screening list entity matches	Truthy Falsy	No value. Operators serves as the value.
Entity Type Conflict	Whether the Entity Type information for screening list entity matches	Truthy Falsy	No value. Operators serves as the value.
Gender Conflict	Whether the Date of Birth information for screening list entity matches	Truthy Falsy	No value. Operators serves as the value.
ID Conflict	Whether the ID information for screening list entity matches	Truthy Falsy	No value. Operators serves as the value.
Phone Conflict	Whether the ID information for screening list entity matches	Truthy Falsy	No value. Operators serves as the value.

Mastercard Match

Click here to see all Sub-Decisions for Mastercard Match

Sub-Decision	Description	Operators	Valid Values
Possible Matches	Indicates that any match was made with the MATCH watchlist.	Truthy Falsy	No value. Operators serves as the value.
Name		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
DoingBusinessAsName		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Address		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Phone Number		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Alt Phone Number		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Country Subdivision Tax ID		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
National Tax ID		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Service Provider Legal		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Service Provider DBA		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Representative Name		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Representative Address		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Representative Phone Number		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Representative Alt Phone Number		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Representative National ID		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Representative Drivers License		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
ID Theft Rep National ID		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
ID Theft Rep National Tax ID		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Termination Reason Code		Matches Value No Match	1 - Account Data Compromise 2 - Common Point of Purchase (CPP) 3 - Laundering 4 - Excessive Chargebacks 5 - Excessive Fraud 6 - Reserved for Future Use 8 - Mastercard Questionable Merchant Audit Program 9 - Bankruptcy/Liquidation/Insolvency 10 - Violation of Standards 11 - Merchant Collusion 12 - PCI Data Security Standard Noncompliance 13 - Illegal Transactions 14 - Identity Theft Definitions from Mastercard available here.

Business Instant ID

Click here to see all Sub-Decisions for Business Instant ID

Sub-Decision	Description	Operators	Valid Values
Business Score	The BVI (business verification index) is an index that summarizes the verification of the business information	Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match	0 - Nothing found to confirm the existence of the business. 10 - Significant contradictory findings or an OFAC match exists or only single input elements are valid. 20 - Partial verification of input data; business may exist but can’t be positively confirmed. 30 - Business identity confirmed, but failure to verify all identity elements. 40 - Strong verification of the input data is confirmed. 50 - Business is verified with no contradictory findings.
Verification Code		Matches Value No Match	0 - No business inputs verified on this source. 1 - One of the following verified: Input Business name, address, phone or federal EIN. 2 - Two of the following verified: Input Business name, address, phone, and/or federal EIN. 3 - Three of the following verified: Input Business name, address, phone, and/or federal EIN. 4 - All input business information verified.
Company Name Verification		Truthy Falsy	No value. Operators serves as the value.
Street Address Verification		Truthy Falsy	No value. Operators serves as the value.
City Verification		Truthy Falsy	No value. Operators serves as the value.
State Verification		Truthy Falsy	No value. Operators serves as the value.
ZIP Verification		Truthy Falsy	No value. Operators serves as the value.
Phone Verification		Truthy Falsy	No value. Operators serves as the value.
EIN Verification		Truthy Falsy	No value. Operators serves as the value.
Risk Indicator Code		Matches Value No Match	10 - The input business name matches OFAC file. 11 - The input business name matches non-OFAC global watchlist(s) 12 - Bankruptcy on record suggests the business may be defunct 13 - Business not in good standing according to the Secretary of State 14 - Business inactive according to the Secretary of State 15 - Business is not registered at Secretary of State of input business state 16 - The input business TIN is associated with a different business name and address 17 - Unable to verify business name, address, TIN and phone on business records 18 - Unable to verify business name on business records, but alternate business name found in business records 19 - Unable to verify business name on business records 20 - Unable to verify business address on business records 21 - Unable to verify business TIN on business records 22 - Unable to verify business phone number on business records 23 - Business first reported in last 12 months 24 - Business first reported in last 24 months 25 - The input business address may be a previous address 26 - Address mismatch between the input business city/state and zip code 27 - The input business address is a vacant address 28 - The input business phone number may be disconnected 29 - The input phone number is associated with a different name and address 30 - The input business may be associated with a post office box 31 - The input business phone number is a mobile number 32 - The input business zip code has a prison within the zip code area 33 - The input business zip code is a military only zip code 34 - The input business address may be a residential address (single family dwelling) 35 - The input business phone number may be associated with a residential listing 36 - The input business phone number and business address on record are geographically distant (> 10 miles) 37 - The input business TIN is not found 38 - No updates to business record in the past 36 months 39 - No updates to business record in the past 24 months 40 - No updates to business record in the past 12 months 41 - Business operates or has operated at multiple locations 42 - Business has been banned from doing business with the government 43 - The input business address may be invalid according to postal specifications 44 - The input business phone number is potentially invalid 45 - The input business TIN is potentially invalid 46 - The input business name matches the input alternate business name 47 - The input business name may have been miskeyed 48 - The input business address may have been miskeyed 49 - The input business phone number may have been miskeyed 50 - The input business TIN may have been miskeyed 51 - The input business name was missing 52 - The input business address was missing 53 - The input business phone was missing or incomplete 54 - The input business TIN was missing or incomplete
OFAC Watch List Match		Is Present	The operator serves as the value. If any result is present, trigger the Decision action.
Global Watch List Match		Is Present	The operator serves as the value. If any result is present, trigger the Decision action.
Business Risk Address Match		Is Present	The operator serves as the value. If any result is present, trigger the Decision action.
Business to Rep Link Index		Matches Value No Match	0 - The input authorized rep cannot be linked to the business 10 - The input authorized rep’s address is the same as the input business address. The input authorized rep’s first or last name appears as part of the input business name. The input authorized rep’s phone is the same as the input business phone. 20 - The input authorized rep’s SSN is the same as the input business FEIN. The input authorized rep’s address and first or last name is the same as the input business’ address and part of the name. 30 - The input authorized rep’s address matches the business address on record. The input authorized rep’s first or last name appears as part of the business name on record. The input authorized rep’s phone matches the business phone on record. 40 - The input authorized rep’s address matches the personal address of a business contact on record. The input authorized rep’s SSN matches the business FEIN on record. The input authorized rep’s address and first or last name matches the business’ address and part of the name on record. 50 - The input authorized rep’s first and last name matches the first and last name of a business contact on record. The input authorized rep’s SSN matches the SSN of a business contact on record.
REP CVI Score		Matches Value No Match	0 - The input authorized rep cannot be linked to the business 10 - The input authorized rep's address is the same as the input business address. The input authorized rep's first or last name appears as part of the input business name. The input authorized rep's phone is the same as the input business phone. 20 - The input authorized rep's SSN is the same as the input business FEIN. The input authorized rep's address and first or last name is the same as the input business’ address and part of the name. 30 - The input authorized rep's address matches the business address on record. The input authorized rep's first or last name appears as part of the business name on record. The input authorized rep's phone matches the business phone on record. 40 - The input authorized rep's address matches the personal address of a business contact on record. The input authorized rep's SSN matches the business FEIN on record. The input authorized rep's address and first or last name matches the business’ address and part of the name on record. 50 - The input authorized rep's first and last name matches the first and last name of a business contact on record. The input authorized rep's SSN matches the SSN of a business contact on record.
REP Risk Indicator Score		Matches Value No Match	02 - The input SSN is reported as deceased 03 - The input SSN was issued prior to the input date-of-birth 04 - The input last name and SSN are verified, but not with the input address and phone. 05 - 06 - The input SSN is invalid 07 - The input phone number may be disconnected 08 - The input phone number is potentially invalid 09 - The input phone number is a pager number 10 - The input phone number is a mobile number 11 - The input address may be invalid according to postal specifications 12 - The input zip code belongs to a post office box 13 - 14 - The input address is a transient commercial or institutional address 15 - The input phone number matches a transient commercial or institutional address 16 - The input phone number and input zip code combination is invalid 19 - Unable to verify name, address, SSN/TIN and phone 20 - 21 - 22 - 23 - 24 - 25 - Unable to verify address 26 - Unable to verify SSN/TIN 27 - Unable to verify phone number 28 - Unable to verify date-of-birth 29 - The input SSN/TIN may have been miskeyed 30 - The input address may have been miskeyed 31 - The input phone number may have been miskeyed 32 - The input name matches the OFAC file 33 - 34 - 35 - 36 - 37 - Unable to verify name 38 - The input SSN is associated with multiple last names 39 - The input SSN is recently issued 40 - 41 - The input driver's license number is invalid for the input DL State 42 - 43 - 44 - The input phone area code is changing 45 - 46 - The input work phone is a pager number 47 - 48 - Unable to verify first name 49 - The input phone and address are geographically distant (>10 miles) 50 - The input address matches a prison address 51 - The input last name is not associated with the input SSN 52 - The input first name is not associated with the input SSN 53 - The input home phone and work phone are geographically distant (>100 miles) 54 -
REP DOB Code		Matches Value No Match	0 1 2 3 4 5 6 7 8
REP NAS Code			0 - Nothing found for input criteria 1 - Input SSN is associated with a different name and address 2 - Input First name and Last Name matched 3 - Input First name and Address matched 4 - Input First name and SSN matched 5 - Input Last name and Address matched 6 - Input Address and SSN matched 7 - Input Last name and SSN matched 8 - Input First name, Last name, and Address matched 9 - Input First name, Last name and SSN matched 10 - Input First name, Address, and SSN matched 11 - Input Last name, Address, and SSN matched 12 - Input First name, Last name, Address and SSN matched
REP NAP Code			0 - Nothing found for input criteria 1 - Input Phone is associated with a different name and address 2 - First name and Last name matched 3 - First name and Address matched 4 - First name and Phone matched 5 - Last name and Address matched 6 - Address and Phone matched 7 - Last name and Phone matched 8 - First name, Last name, and Address matched 9 - First name, Last name, and Phone matched 10 - First name, Address, and Phone matched 11 - Last name, Address, and Phone matched 12 - First name, Last name, Address, and Phone matched
REP Watch List Match		Is Present	The operator serves as the value. If any result is present, trigger the Decision action.
REP PO Box Address		Truthy Falsy	No value. Operators serves as the value.
REP Decedent Match		Is Present	The operator serves as the value. If any result is present, trigger the Decision action.

Consumer Instant ID

Click here to see all Sub-Decisions for Consumer Instant ID

Sub-Decision	Operators	Valid Values
CVI Code	Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match	0 - Nothing verified 10 - Critical ID elements not verified, are associated with different person(s), or indications such as OFAC matches, deceased/invalid SSN, SSN issued prior to DOB, etc. exist 20 - Minimal verification, critical ID elements not verified or associated with different person(s) 30 - Several ID elements verified 40 - Last name, address and SSN or phone verified; first name, phone or SSN verification failures 50 - Full name, address, phone, SSN verified
Risk Indicator Code	Matches Value No Match	02 - The input SSN is reported as deceased 03 - The input SSN was issued prior to the input date-of-birth 04 - The input last name and SSN are verified, but not with the input address and phone 06 - The input SSN is invalid 07 - The input phone number may be disconnected 08 - The input phone number is potentially invalid 09 - The input phone number is a pager number 10 - The input phone number is a mobile number 11 - The input address may be invalid according to postal specifications 12 - The input zip code belongs to a post office box 14 - The input address is a transient commercial or institutional address 15 - The input phone number matches a transient commercial or institutional address 16 - The input phone number and input zip code combination is invalid 19 - Unable to verify name, address, SSN/TIN and phone 25 - Unable to verify address 26 - Unable to verify SSN/TIN 27 - Unable to verify phone number 28 - Unable to verify date-of-birth 29 - The input SSN/TIN may have been miskeyed 30 - The input address may have been miskeyed 31 - The input phone number may have been miskeyed 32 - The input name matches the OFAC file 37 - Unable to verify name 38 - The input SSN is associated with multiple last names 39 - The input SSN is recently issued 41 - The input driver's license number is invalid for the input DL State 44 - The input phone area code is changing 46 - The input work phone is a pager number 48 - Unable to verify first name 49 - The input phone and address are geographically distant (>10 miles) 50 - The input address matches a prison address 51 - The input last name is not associated with the input SSN 52 - The input first name is not associated with the input SSN 53 - The input home phone and work phone are geographically distant (>100 miles) 55 - The input work phone is potentially invalid 56 - The input work phone is potentially disconnected 57 - The input work phone is a mobile number 64 - The input address returns a different phone number 66 - The input SSN is associated with a different last name, same first name 71 - The input SSN is not found in the public record 72 - The input SSN is associated with a different name and address 74 - The input phone number is associated with a different name and address 75 - The input name and address are associated with an unlisted/non-published phone number 76 - The input name may have been miskeyed 77 - The input name was missing 78 - The input address was missing 79 - The input SSN/TIN was missing or incomplete 80 - The input phone was missing or incomplete 81 - The input date-of-birth was missing or incomplete 82 - The input name and address return a different phone number 83 - The input date-of-birth may have been miskeyed 85 - The input SSN was issued to a non-US citizen 89 - The input SSN was issued within the last three years 90 - The input SSN was issued after age five (post-1990) CA - The primary input address is a Commercial Mail Receiving Agency CL - The input SSN is not the primary SSN for the input identity CO - The input zip code is a corporate only zip code CZ - Address mismatch between city/state and zip code DD - A different driver's license number has been found for the input applicant DF - The input driver’s license number is valid and is not on record DI - The input identity is reported as deceased DM - The input driver's license number may have been miskeyed DV - Unable to verify driver's license number IS - Input SSN possibly randomly issued by SSA, but invalid when first associated with the input identity IT - The input SSN is an ITIN MI - Multiple identities associated with the input SSN MO - The input zip code is a military only zip code MS - Multiple SSNs reported with applicant NB - No date-of-birth reported for the input identity NF - The input first name and last name may have been flipped PA - Potential address discrepancy - the Input address may be previous address PO - The primary input address is a PO Box RS - The input SSN was possibly randomly issued by the SSA SD - The input address State is different than the LN best address State for the input identity SR - Address mismatch on secondary address range VA - The input address is a vacant address WL - The input name matches one or more of the non-OFAC global screening list(s) ZI - Unable to verify zip code
NAS Code	Matches Value No Match	0 - Nothing found for input criteria 1 - Input SSN is associated with a different name and address 2 - Input First name and Last Name matched 3 - Input First name and Address matched 4 - Input First name and SSN matched 5 - Input Last name and Address matched 6 - Input Address and SSN matched 7 - Input Last name and SSN matched 8 - Input First name, Last name and Address matched 9 - Input First name, Last name and SSN matched 10 - Input First name, Address, and SSN matched 11 - Input Last name, Address, and SSN matched 12 - Input First name, Last name, Address and SSN matched
NAP Code	Matches Value No Match	0 - Nothing found for input criteria 1 - Input Phone is associated with a different name and address 2 - First name and Last name matched 3 - First name and Address matched 4 - First name and Phone matched 5 - Last name and Address matched 6 - Address and Phone matched 7 - Last name and Phone matched 8 - First name, Last name, and Address matched 9 - First name, Last name, and Phone matched 10 - First name, Address, and Phone matched 11 - Last name, Address, and Phone matched 12 - First name, Last name, Address, and Phone matched
Decedent Match	Is Present	The operator serves as the value. If any result is present, trigger the Decision action.
SSN Match	Matches Value No Match	B F G M O R S U X Z
DOB Code	Matches Value No Match	0 1 2 3 4 5 6 7 8
PO Box Address	Truthy Falsy	No value. Operators serves as the value.
Watch List Match	Is Present	The operator serves as the value. If any result is present, trigger the Decision action.
Red Flag Code	Matches Value No Match	02 - The input SSN is reported as deceased 03 - The input SSN was issued prior to the input dateof-birth 04 - The input last name and SSN are verified, but not with the input address and phone 06 - The input SSN is invalid or not yet issued 07 - The input phone number may be disconnected 08 - The input phone number is potentially invalid 09 - The input phone number is a pager number 10 - The input phone number is a mobile number 11 - The input address may be invalid according to postal specifications 12 - The input zip code belongs to a post office box 15 - The input phone number matches a transient commercial or institutional address 16 - The input phone number and input zip code combination is invalid 19 - Unable to verify name, address, SSN/TIN and phone 25 - Unable to verify address 27 - Unable to verify phone number 28 - Unable to verify date-of-birth 29 - The input SSN/TIN may have been miskeyed 30 - The input address may have been miskeyed 31 - The input phone number may have been miskeyed 38 - The input SSN is associated with multiple last 39 - The input SSN is recently issued 41 - The input driver's license number is invalid for the input DL State 49 - The input phone and address are geographically distant (>10 miles) 50 - The input address matches a prison address 66 - The input SSN is associated with a different last name, same first name 71 - The input SSN is not found in the public record 72 - The input SSN is associated with a different name and address 73 - The input phone number is not found in the public record 74 - The input phone number is associated with a different name and address 77 - The input name was missing 78 - The input address was missing 79 - The input SSN/TIN was missing or incomplete 80 - The input phone was missing or incomplete 81 - The input date of birth was missing or incomplete 83 - The input date of birth may have been miskeyed 89 - The input SSN was issued within the last three years 90 - The input SSN was issued after age five (post-1990) 91 - Security Freeze (CRA corrections database) 93 - Identity Theft Alert (CRA corrections database) CA - The primary input address is a Commercial Mail Receiving Agency CO - The input zip code is a corporate only zip code CZ - Address mismatch between city/state and zip code DD - A different driver's license number has been found for the input applicant DF - The input driver’s license number is valid and is not on record DM - The input driver's license number may have been miskeyed DV - Unable to verify driver's license number IS - Input SSN possibly randomly issued by SSA, but invalid when first associated with the input identity IT - The input SSN is an ITIN MI - Multiple identities associated with the input SSN MO - The input zip code is a military-only zip code MS - Multiple SSNs reported with applicant names NB - No date-of-birth reported for the input identity PA - Potential address discrepancy - the Input address may be previous address PO - The primary input address is a PO Box SR - Address mismatch on secondary address range VA - The input address is a vacant address ZI - Unable to verify zip code

Consumer Instant ID (Basic)

Click here to see all Sub-Decisions for Consumer Instant ID (Basic)

Sub-Decision	Operators	Valid Values
CVI Code	Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match	0 - Nothing verified 10 - Critical ID elements not verified, are associated with different person(s), or indications such as OFAC matches, deceased/invalid SSN, SSN issued prior to DOB, etc. exist 20 - Minimal verification, critical ID elements not verified or associated with different person(s) 30 - Several ID elements verified 40 - Last name, address and SSN or phone verified; first name, phone or SSN verification failures 50 - Full name, address, phone, SSN verified
Risk Indicator Code	Matches Value No Match	02 - The input SSN is reported as deceased 03 - The input SSN was issued prior to the input date-of-birth 04 - The input last name and SSN are verified, but not with the input address and phone 06 - The input SSN is invalid 07 - The input phone number may be disconnected 08 - The input phone number is potentially invalid 09 - The input phone number is a pager number 10 - The input phone number is a mobile number 11 - The input address may be invalid according to postal specifications 12 - The input zip code belongs to a post office box 14 - The input address is a transient commercial or institutional address 15 - The input phone number matches a transient commercial or institutional address 16 - The input phone number and input zip code combination is invalid 19 - Unable to verify name, address, SSN/TIN and phone 25 - Unable to verify address 26 - Unable to verify SSN/TIN 27 - Unable to verify phone number 28 - Unable to verify date-of-birth 29 - The input SSN/TIN may have been miskeyed 30 - The input address may have been miskeyed 31 - The input phone number may have been miskeyed 32 - The input name matches the OFAC file 37 - Unable to verify name 38 - The input SSN is associated with multiple last names 39 - The input SSN is recently issued 41 - The input driver's license number is invalid for the input DL State 44 - The input phone area code is changing 46 - The input work phone is a pager number 48 - Unable to verify first name 49 - The input phone and address are geographically distant (>10 miles) 50 - The input address matches a prison address 51 - The input last name is not associated with the input SSN 52 - The input first name is not associated with the input SSN 53 - The input home phone and work phone are geographically distant (>100 miles) 55 - The input work phone is potentially invalid 56 - The input work phone is potentially disconnected 57 - The input work phone is a mobile number 64 - The input address returns a different phone number 66 - The input SSN is associated with a different last name, same first name 71 - The input SSN is not found in the public record 72 - The input SSN is associated with a different name and address 74 - The input phone number is associated with a different name and address 75 - The input name and address are associated with an unlisted/non-published phone number 76 - The input name may have been miskeyed 77 - The input name was missing 78 - The input address was missing 79 - The input SSN/TIN was missing or incomplete 80 - The input phone was missing or incomplete 81 - The input date-of-birth was missing or incomplete 82 - The input name and address return a different phone number 83 - The input date-of-birth may have been miskeyed 85 - The input SSN was issued to a non-US citizen 89 - The input SSN was issued within the last three years 90 - The input SSN was issued after age five (post-1990) CA - The primary input address is a Commercial Mail Receiving Agency CL - The input SSN is not the primary SSN for the input identity CO - The input zip code is a corporate only zip code CZ - Address mismatch between city/state and zip code DD - A different driver's license number has been found for the input applicant DF - The input driver’s license number is valid and is not on record DI - The input identity is reported as deceased DM - The input driver's license number may have been miskeyed DV - Unable to verify driver's license number IS - Input SSN possibly randomly issued by SSA, but invalid when first associated with the input identity IT - The input SSN is an ITIN MI - Multiple identities associated with the input SSN MO - The input zip code is a military only zip code MS - Multiple SSNs reported with applicant NB - No date-of-birth reported for the input identity NF - The input first name and last name may have been flipped PA - Potential address discrepancy - the Input address may be previous address PO - The primary input address is a PO Box RS - The input SSN was possibly randomly issued by the SSA SD - The input address State is different than the LN best address State for the input identity SR - Address mismatch on secondary address range VA - The input address is a vacant address WL - The input name matches one or more of the non-OFAC global screening list(s) ZI - Unable to verify zip code
NAS Code	Matches Value No Match	0 - Nothing found for input criteria 1 - Input SSN is associated with a different name and address 2 - Input First name and Last Name matched 3 - Input First name and Address matched 4 - Input First name and SSN matched 5 - Input Last name and Address matched 6 - Input Address and SSN matched 7 - Input Last name and SSN matched 8 - Input First name, Last name and Address matched 9 - Input First name, Last name and SSN matched 10 - Input First name, Address, and SSN matched 11 - Input Last name, Address, and SSN matched 12 - Input First name, Last name, Address and SSN matched
NAP Code	Matches Value No Match	0 - Nothing found for input criteria 1 - Input Phone is associated with a different name and address 2 - First name and Last name matched 3 - First name and Address matched 4 - First name and Phone matched 5 - Last name and Address matched 6 - Address and Phone matched 7 - Last name and Phone matched 8 - First name, Last name, and Address matched 9 - First name, Last name, and Phone matched 10 - First name, Address, and Phone matched 11 - Last name, Address, and Phone matched 12 - First name, Last name, Address, and Phone matched
Decedent Match	Is Present	The operator serves as the value. If any result is present, trigger the Decision action.
SSN Match	Matches Value No Match	B F G M O R S U X Z
DOB Code	Matches Value No Match	0 1 2 3 4 5 6 7 8
PO Box Address	Truthy Falsy	No value. Operators serves as the value.
Watch List Match	Is Present	The operator serves as the value. If any result is present, trigger the Decision action.

ThreatMetrix

Click here to see all Sub-Decisions for ThreatMetrix

Sub-Decision	Description	Operators	Valid Values
Review Status	The Review Status of a transaction which is dependent upon the execution of the rules in the policy and the policy score obtained.	Matches Value No Match	Pass Reject Review Challenge
Policy Score	The policy score which is calculated as the sum of the individual risk weights of its rules.	Greater Than or equal to threshold Less Than or equal to threshold	Score values: -100 to +100
Reason Codes	The reason codes which indicate the rules that triggered during policy evaluation.	Matches Value No Match
Risk Rating	The associated risk value based on policy score ranges determined in the policy settings.	Matches Value No Match	High Medium Low Neutral Trusted

ThreatMetrix Transactions

Click here to see all Sub-Decisions for ThreatMetrix Transactions

Sub-Decision	Description	Operators	Valid Values
Review Status	The Review Status of a transaction which is dependent upon the execution of the rules in the policy and the policy score obtained.	Matches Value No Match	Pass Reject Review Challenge
Policy Score	The policy score which is calculated as the sum of the individual risk weights of its rules.	Greater Than or equal to threshold Less Than or equal to threshold	Score values: -100 to +100
Reason Codes	The reason codes which indicate the rules that triggered during policy evaluation.	Matches Value No Match
Risk Rating	The associated risk value based on policy score ranges determined in the policy settings.	Matches Value No Match	High Medium Low Neutral Trusted

ThreatMetrix Emailage

Click here to see all Sub-Decisions for ThreatMetrix Emailage

Sub-Decision	Operators	Valid Values
Fraud Risk Score	Greater Than or equal to threshold Less Than or equal to threshold	0 – 999, with 0 representing very low risk and 999 representing very high risk.
Risk Reason	Matches Value No Match
Risk Band	Matches Value No Match
Digital Identity Score	Greater Than or equal to threshold Less Than or equal to threshold
Total Hits	Greater Than or equal to threshold Less Than or equal to threshold Matches Value
Unique Hits Level	Greater Than or equal to threshold Less Than or equal to threshold Matches Value
Fraud Type	Matches Value No Match
Email Exists	Matches Value No Match
Email Creation Days	Greater Than or equal to threshold Less Than or equal to threshold Matches Value
First Seen Days	Greater Than or equal to threshold Less Than or equal to threshold Matches Value
Name Match	Matches Value No Match
Domain Risk Level	Matches Value No Match
Domain Exists	Matches Value No Match
Domain Relevant Info	Matches Value No Match
Domain Creation Days	Greater Than or equal to threshold Less Than or equal to threshold Matches Value
Domain Country Name	Greater Than or equal to threshold Less Than or equal to threshold Matches Value
Domain Corporate	Matches Value No Match
IP Risk Level	Matches Value No Match
IP Risk Reason	Matches Value No Match
Email To IP Confidence	Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match Is Empty
Email to Phone Confidence	Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match Is Empty
Email to Name Confidence	Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match Is Empty
IP to Phone Confidence	Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match Is Empty
IP to Name Confidence	Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match Is Empty
Email Owner Friend Count	Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match
Phone Status	Matches Value No Match Is Empty
Phone Owner Match	Matches Value No Match Is Empty
Phone Carrier Type	Matches Value No Match Is Empty
Reason Codes	Matches Value No Match

ThreatMetrix FraudPoint

Click here to see all Sub-Decisions for ThreatMetrix FraudPoint

Sub-Decision	Operators	Valid Values
Score	Greater Than or equal to threshold Less Than or equal to threshold Matches Value	The three-digit score ranges from 300 (highest fraud risk) to 999 (lowest fraud risk).
Manipulated Identity Index	Greater Than or equal to threshold Less Than or equal to threshold Matches Value	1 2 3 4 5 6 7 8 9
Friendly Fraud Index	Greater Than or equal to threshold Less Than or equal to threshold Matches Value	1 2 3 4 5 6 7 8 9
Stolen Identity Index	Greater Than or equal to threshold Less Than or equal to threshold Matches Value	1 2 3 4 5 6 7 8 9
Suspicious Activity Index	Greater Than or equal to threshold Less Than or equal to threshold Matches Value	1 2 3 4 5 6 7 8 9
Synthetic Identity Index	Greater Than or equal to threshold Less Than or equal to threshold Matches Value	1 2 3 4 5 6 7 8 9
Vulnerable Victim Index	Greater Than or equal to threshold Less Than or equal to threshold Matches Value	1 2 3 4 5 6 7 8 9
Risk Indicator Codes	Matches Value No Match	MN PH RC 9D 9K 10
Transaction Status	Matches Value No Match	Passed Failed Incomplete
Transaction Reason Code	Matches Value No Match
Product Status	Matches Value No Match	Pass Warn Fail
Reason Codes	Matches Value No Match

ThreatMetrix PhoneFinder

Click here to see all Sub-Decisions for ThreatMetrix PhoneFinder

Sub-Decision	Operators	Valid Values
Consumer Time Last Seen With Phones	Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match
Consumer Time with Phones	Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match
Deceased Indicators	Matches Value No Match	N - No Y - Yes
Phone Verification Message	Matches Value No Match	Input phone number cannot be verified. Input phone number matches name. Input phone number matches name and address. Input phone number matches last name.
Primary Identity Full Name	Truthy Falsy	No value. Operators serves as the value.
Primary Phone Carrier	Matches Value No Match Is Empty
Primary Phone Type	Matches Value No Match	Landline Cable Possible Wireless Possible VoIP Other/Unknown
Primary Phone Risk Count High	Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match
Primary Phone Risk Count Medium	Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match
Primary Phone Risk Count Low	Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match
Primary Phone Risk Indicator Messages	Matches Value No Match	Phone is not active with this person. Phone # is a Prepaid Phone. First Seen Date is within X and Y days (first date range). First Seen Date is within X and Y days (second date range). First Seen Date is within X and Y days (third date range). Last Seen Date is older than "X" days. Primary Phone is listed as a Business. Primary Subject associated to the phone is deceased. Primary address is zoned as Business. Primary Phone Area Code is not in the same state as Primary Address. Primary address is not the "Current" address for the Primary Subject. Phone # has been ported within the past "X" days. Phone # has been ported more than "X" times with this person. Phone # has been spoofed within the past "X" days. Phone # was the origination phone used to spoof another phone # within the past "X" days. Phone # was the destination phone used in a spoofing activity within the past "X" days. Phone # was the spoofed phone used in a spoofing activity within the past "X" days. Phone # has had "X" search requests within the past "Y" days. Phone # has received "X" OTP requests within the past "Y" days. Phone # is associated with a No Contract Carrier. Phone # has been ported in the last "Input A" to "Input B" days (second date range). Phone # has been ported in the last "Input A" to "Input B" days (third date range). Phone Service Type is VOIP. Phone Service Type is Wireless. Phone Service Type is Landline. Phone # is currently being Forwarded. Phone service type is Other/Unknown. Phone service type is Cable. No First Seen Date associated with Phone #. No Last Seen Date associated with Phone #. No First Seen and Last Seen Date associated with Phone #. SIM Card Information has changed in the last "X" days. Device Information has changed in the last "X" days. Phone Number part of a recently rejected transaction in the Digital Identity Network. Phone Number present on Digital Identity Blacklist. Phone Number associated w/ fraud in the Digital Identity Network. The Digital Identity associated with the phone number has a bad reputation. Phone Number First Seen Recently in Digital Identity Network. High Count of Devices Associated to Phone Number in Past Month. High Count of Email Addresses Associated to Phone Number in Past Month. Phone Seen in High Number of Countries in the Past Month. Surname of Phone's Listing Name does not match Identity Found. Phone linked to identity by self-reported sources only. Phone Number is associated with more than "Input B" Identities. No Phone Associated with Subject. No Identity.
Primary Phone Risk Indicator Status	Matches Value No Match	Pass Warn Fail
Primary Phone Status	Matches Value No Match	Active Inactive
Primary Phone Verification Indicator	Matches Value No Match	Active Inactive
Reason Codes

LegitScript Register

Click here to see all Sub-Decisions for LegitScript Register

Sub-Decision

Description

Operators

Valid Values

Correlation ID

Is Empty

The operator serves as the value.

If the value is empty, trigger the Decision action.

Equifax Consumer Credit Report

Click here to see all Sub-Decisions for Equifax Consumer Credit Report

Sub-Decision

Description

Operators

Valid Values

FICO Score

A FICO Score is a three-digit number based on the information in credit reports.

Greater than or equal to threshold.
Less than or equal to threshold.

Score values: 300 - 850

Reason Code

Matches Value
No Match

00 - Returned when FICO® does not return a reason code (NO VERBIAGE RETURNED)
01 - Amount owed on accounts is too high
02 - Level of delinquency on accounts
03 - Too few bank revolving accounts
04 - Too many bank or national revolving accounts
05 - Too many accounts with balances
06 - Too many consumer finance company accounts
07 - Account payment history is too new to rate
08 - Too many inquiries last 12 months
09 - Too many accounts recently opened
10 - Ratio of balance to limit on bank revolving or other rev accts too high
11 - Amount owed on revolving accounts is too high
12 - Length of time revolving accounts have been established
13 - Time since delinquency is too recent or unknown
14 - Length of time accounts have been established
15 - Lack of recent bank revolving information
16 - Lack of recent revolving account information
17 - No recent non-mortgage balance information
18 - Number of accounts with delinquency
19 - Too few accounts currently paid as agreed
20 - Length of time since derogatory public record or collection is too short
21 - Amount past due on accounts
23 - Number of bank or national revolving accounts with balances
24 - No recent revolving balances
25 - Length of time installment loans have been established (Industry Scores only)
26 - Number of revolving accounts (Industry Scores only)
28 - Number of established accounts
29 - No recent bank/national revolving balances
30 - Time since most recent account opening is too short
31 - Too few accounts with recent payment information
32 - Lack of recent installment loan information
33 - Proportion of loan balances to loan amounts is too high
34 - Amount owed on delinquent accounts
36 - Length of time open installment loans have been established
38 - Serious delinquency, and derogatory public record or collection filed
39 - Serious delinquency
40 - Derogatory public record or collection filed
53 - Amount paid down on open mortgage loans is too low
55 - Amount paid down on open installment loans is too low
58 - Proportion of balances to loan amounts on mortgage accounts is too high
59 - Lack of recent revolving HELOC information
62 - Proportion of balances to credit limits on revolving HELOC accounts is too high
64 - Proportion of revolving HELOC balances to total revolving balances is too high
65 - Length of time bank/national revolving accounts have been established
67 - Length of time open mortgage loans have been established
70 - Amount owed on mortgage loans is too high
71 - Too many recently opened installment accounts
77 - Proportion of balances to loan amounts on revolving auto accounts is too high
78 - Length of time reported mortgage accounts have been established
79 - Lack of recent reported mortgage loan information
81 - Frequency of delinquency
85 - Too few active accounts
96 - Too many mortgage loans with balances
98 - Lack of recent auto finance loan information (Industry Scores only)
99 - Lack of recent consumer finance company account information (Industry Scores only)
999 - Notification of absence of a reason code.
- Note: This is a system code to the end user and not a reason code that would be returned to a consumer.

Charity Check

Click here to see all Sub-Decisions for Charity Check

Sub-Decision	Description	Operators	Valid Values
Subsection Code	These are category codes that describe the type of tax exempt organization that a business belongs to.	Matches Value No Match	170(c)(1) Government Entity 4947(a)(1) Non-Exempt Charitable Trusts (Private Foundation) 4947(a)(1) Non-Exempt Charitable Trusts (Public Charity) 4947(a)(2) Split-Interest Trust 501(c)(1) Government Instrumentality 501(c)(3) Private Non-Operating Foundation 501(c)(3) Private Operating Foundation 501(c)(3) Public Charity 501(c)(4) Civic Leagues and Social Welfare Organizations 501(c)(5) Labor, Agricultural and Horticultural Organizations 501(c)(6) Business Leagues, etc. 501(c)(7) Social and Recreation Clubs 501(c)(8) Fraternal Beneficiary Societies 501(c)(9) Employees Associations 501(c)(10) Domestic Fraternal Societies 501(c)(11) Teachers' Retirement Fund Associations 501(c)(12) Local Benevolent Life Insurance Associations, Mutual Irrigation and Telephone Companies, and Like Co 501(c)(13) Cemetery Companies 501(c)(14) Credit Unions and Other Mutual Financial Organizations 501(c)(15) Mutual Insurance Company other than Life or Marine 501(c)(16) Corporations Financing Crop Operations 501(c)(17) Supplemental Unemployment Compensations Trust or Plan 501(c)(18) Employee Funded Pension Trust formed prior to June 1959 501(c)(19) Post or Organizations of War Veterans 501(c)(2) Title Holding Corporation 501(c)(20) Group Legal Services Plan Organization 501(c)(21) Black Lung Benefit Trusts 501(c)(23) Veterans Association formed prior to 1880 501(c)(24) Trust described in Section 4049 or ERISA 501(c)(25) Title Holding Corporations for Multiple Organizations (Pensions, etc.) 501(c)(26) State Sponsored High Risk Health Insurance Organization 501(c)(27) State Sponsored Workers Compensation Reinsurances 501(c)(29) ACA 1322 Qualified Nonprofit Health Insurance Issuers 501(d) Apostolic and Religious Organizations 501(e) Cooperative Hospital Service Organizations 501(n) Charitable Risk Pools 521(a) Farmers’ Cooperative 527 Political Organizations
PUB78 Verified	You can check an organization's eligibility to receive tax-deductible charitable contributions which is known as "Pub. 78 Data".	Truthy Falsy	No value. Operators serves as the value.

GIACT Inquiry

Click here to see all Sub-Decisions for GIACT Inquiry

Sub-Decision	Operators	Valid Values
Account Response Code	Matches Value No Match	0 - There is no AccountResponseCode value for this result. 1 - Invalid Routing Number - The routing number supplied fails the validation test. 2 - Invalid Account Number - The account number supplied fails the validation test. 3 - Invalid Check Number - The check number supplied fails the validation test. 4 - Invalid Amount - The amount supplied fails the validation test. 5 - The account was found as active in your Private Bad Checks List. 6 - The routing number belongs to a reporting bank; however, no positive nor negative information has been reported on the account number. 7 - This account should be declined based on the risk factor being reported. 8 - This item should be rejected based on the risk factor being reported. 9 - Current negative data exists on this account. Accept transaction with risk. (Example: Checking or savings accounts in NSF status, recent returns, or outstanding items) 10 - Non-Demand Deposit Account (post no debits), Credit Card Check, Line of Credit, Home Equity, or a Brokerage check. 11 12 - Account Verified – The account was found to be an open and valid checking account. 13 - AMEX – The account was found to be an American Express Travelers Cheque account. 14 - Non-Participant Provider – This account was reported with acceptable, positive data found in current or recent transactions. 15 - Savings Account Verified – The account was found to be an open and valid savings account. 16 17 18 19 - Negative information was found in this account's history. 20 - The routing number is reported as not currently assigned to a financial institution. 21 - No positive or negative information has been reported on the account. 22 - This routing number can only be valid for US Government financial institutions.
Customer Response Code	Matches Value No Match	0 - There is no CustomerResponseCode value for this result. 1 - Information submitted failed gAuthenticate. 2 - Customer authentication passed gAuthenticate. 3 - The customer or business name data did not match gAuthenticate data. 4 - The customer's TaxId (SSN/ITIN) data did not match gAuthenticate data. 5 - The customer's address data did not match gAuthenticate data. 6 - The customer's phone data did not match gAuthenticate data. 7 - The customer's date of birth or ID data did not match gAuthenticate data. 8 - Multiple secondary data points did not match gAuthenticate data. 9 - Information submitted failed gIdentify/CustomerID. 10 - N/A 11 - Customer identification passed gIdentify/CustomerID. 12 - The customer or business name data did not match gIdentify/CustomerID data. 13 - The customer's TaxId (SSN/ITIN) data did not match gIdentify/CustomerID data. 14 - The customer's address data did not match gIdentify/CustomerID data. 15 - The customer's phone data did not match gIdentify/CustomerID data. 16 - The customer's date of birth or ID data did not match gIdentify/CustomerID data. 17 - Multiple secondary data points did not match gIdentify/CustomerID data. 18 - No data was found matching the customer information provided.
Verification Response	Matches Value No Match	0 - There was an error with the inquiry. Check the ErrorMessage property for details. 1 - The bank account in the inquiry was found on the API user's private bad check list. 2 - The suggested action is to decline the bank account and/or customer data for this inquiry. 3 - The suggested action is to not accept an item with the check number on this inquiry. 4 - The suggested action is to further investigate or accept the bank account and/or customer data for this inquiry with known risk. 5 - The suggested action is to further investigate the bank account and/or customer data for this inquiry due to a risk alert. 6 - The suggested action is to accept the bank account and/or customer data for this inquiry. 7 - The bank account in the inquiry is a Non-Demand Deposit account. 8 - There was negative data found associated with the account. 9 - No data was found for the bank account and/or customer data.

GIACT Transaction Inquiry

Click here to see all Sub-Decisions for GIACT Transaction Inquiry

Sub-Decision	Operators	Valid Values
Account Response Code	Matches Value No Match	0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22
Customer Response Code	Matches Value No Match	0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18
Verification Response	Matches Value No Match	0 1 2 3 4 5 6 7 8 9

GIACT gAuthenticate

Click here to see all Sub-Decisions for GIACT gAuthenticate

Sub-Decision	Operators	Valid Values
Verification Result	Matches Value No Match	0 1 2 3 4 5 6 7 8 9
Account Verification Result	Matches Value No Match	1 2 3 4 5 6 7 8 9 10 12 14 15 19 21 22
Account Authentication Result	Matches Value No Match	1 2 3 4 5 6 7 8 18
Account Owner Signer	Matches Value No Match	0 1 2

GIACT Transaction gAuthenticate

Click here to see all Sub-Decisions for GIACT Transaction gAuthenticate

Sub-Decision	Operators	Valid Values
Verification Result	Matches Value No Match	0 1 2 3 4 5 6 7 8 9
Account Verification Result	Matches Value No Match	1 2 3 4 5 6 7 8 9 10 12 14 15 19 21 22
Account Authentication Result	Matches Value No Match	1 2 3 4 5 6 7 8 18
Account Owner Signer	Matches Value No Match	0 1 2

Payrix Payload Attribute

Click here to see all Sub-Decisions for Payrix Payload Attribute

Sub-Decision	Operators	Valid Values
Entity Type	Matches Value No Match	0 1 2 3 4 5 6
Entity Public	Matches Value No Match	0 1
Entity Client IP	Is Empty	The operator serves as the value. If the value is empty, trigger the Decision action.
Entity TC Date	Is Empty	The operator serves as the value. If the value is empty, trigger the Decision action.
Entity TC Accept Date	Is Empty	The operator serves as the value. If the value is empty, trigger the Decision action.
Entity TC Version	Is Empty	The operator serves as the value. If the value is empty, trigger the Decision action.
Entity TIN Status	Matches Value No Match	0 1 2 3
Entity Industry	Is Present	The operator serves as the value. If any result is present, trigger the Decision action.
Merchant Environment	Matches Value No Match	Supermarket Moto (Mail Order / Telephone) Card Present Fuel Service Station Restaurant eCommerce
Merchant Annual Credit Card Sales	Greater than or equal to threshold. Less than or equal to threshold.
Monthly Volume	Greater than or equal to threshold. Less than or equal to threshold.
Merchant Average Ticket	Greater than or equal to threshold. Less than or equal to threshold.
Merchant Established Date	Greater than or equal to threshold. Less than or equal to threshold. Is Empty
Merchant MCC	Matches Value No Match
Plaid Verification	Truthy Falsy	No value. Operators serves as the value.
Custom	Matches Value No Match Is Present Is Empty
Members Significant Responsibility	Falsy
Members Politically Exposed	Matches Value No Match	1
Members SSN	Matches Value Is Empty
TIN	Matches Value Is Empty
Global Business ID	Matches Value Is Empty
Email Domain	Matches Value
Routing Number	Matches Value
Change Request	Matches Value
Division ID	Matches Value No Match

Payrix Payload Transaction Attribute

Click here to see all Sub-Decisions for Payrix Payload Transaction Attribute

Sub-Decision	Operators	Valid Values
Entity Type	Matches Value No Match	0 1 2 3 4 5 6
Entity Public	Matches Value No Match	0 1
Entity Client IP	Is Empty	The operator serves as the value. If the value is empty, trigger the Decision action.
Entity TC Date	Is Empty	The operator serves as the value. If the value is empty, trigger the Decision action.
Entity TC Accept Date	Is Empty	The operator serves as the value. If the value is empty, trigger the Decision action.
Entity TC Version	Is Empty	The operator serves as the value. If the value is empty, trigger the Decision action.
Entity TIN Status	Matches Value No Match	0 1 2 3
Entity Industry	Is Present	The operator serves as the value. If any result is present, trigger the Decision action.
Merchant Environment	Matches Value No Match	Supermarket Moto (Mail Order / Telephone) Card Present Fuel Service Station Restaurant eCommerce
Merchant Annual Credit Card Sales	Greater than or equal to threshold. Less than or equal to threshold.
Monthly Volume	Greater than or equal to threshold. Less than or equal to threshold.
Merchant Average Ticket	Greater than or equal to threshold. Less than or equal to threshold.
Merchant Established Date	Greater than or equal to threshold. Less than or equal to threshold. Is Empty
Merchant MCC	Matches Value No Match
Plaid Verification	Truthy Falsy	No value. Operators serves as the value.
Custom	Matches Value No Match Is Present Is Empty
Transaction Payment Method	Matches Value No Match	Amex Visa Mastercard Diners Club Discover PayPal Debit Checking Savings Corporate Checking Corporate Savings Gift Card EBT WIC
Transaction Total	Greater than or equal to threshold. Less than or equal to threshold.
Routing Number	Matches Value
Imported	Matches Value No Match	0 1
Type	Matches Value No Match	1 2 3 4 5 6 7 8 9 10 11 12
Card on File Type	Matches Value No Match	Single Scheduled Unscheduled
Origin	Matches Value No Match	1 2 3 4 5 6 7 8
Token	Is Present Is Empty

Risk Rating

Click here to see all Sub-Decisions for Risk Rating

Sub-Decision	Operators	Valid Values
Credit Card Exposure	Greater than or equal to threshold. Less than or equal to threshold. Matches Value No Match
Credit Risk Level	Matches Value No Match	Low Medium High Prohibited Restricted
Total Exposure	Greater than or equal to threshold. Less than or equal to threshold. Matches Value No Match
ACH Exposure	Greater than or equal to threshold. Less than or equal to threshold. Matches Value No Match
AML Risk Level	Matches Value No Match	Low Medium High Prohibited Restricted
AML Score	Greater than or equal to threshold. Less than or equal to threshold. Matches Value No Match
AML Risk Category	Matches Value No Match	High Medium Low

Transaction Size

Click here to see all Sub-Decisions for Transaction Size

Sub-Decision	Description	Operators	Valid Values
Transaction Total		Greater than or equal to threshold. Less than or equal to threshold.

Transaction Attribute

Click here to see all Sub-Decisions for Transaction Attribute

Sub-Decision	Operators	Valid Values
Transaction Token	Matches Value No Match
Transaction CVV Status	Matches Value No Match
Transaction CVV Sent	Matches Value No Match
Transaction Card-on-File Type	Matches Value No Match
Transaction Auth Code	Matches Value No Match
Transaction IP Created	Matches Value No Match
Transaction Type	Matches Value No Match	1 2 3 4 5 7 8 9 10 11
Merchant Last Activity	Days Passed

Transaction Authorization

Click here to see all Sub-Decisions for Transaction Authorization

Sub-Decision

Description

Operators

Valid Values

Auth Code

Is Empty

The operator serves as the value.

If the value is empty, trigger the Decision action.

AVS Response

Click here to see all Sub-Decisions for AVS Response

Sub-Decision	Description	Operators	Valid Values
Transaction Result AVS Code		Matches Value No Match	5 6 19 24 25 26

Country Block

Click here to see all Sub-Decisions for Country Block

Sub-Decision	Description	Operators	Valid Values
Country Code		Matches Value No Match	ABW - Aruba AFG - Afghanistan AGO - Angola AIA - Anguilla ALA - Aland Islands ALB - Albania AND - Andorra ARE - United Arab Emirates ARG - Argentina ARM - Armenia ASM - American Samoa (US Territory) ATA - Antarctica ATF - French Southern Territories ATG - Antigua and Barbuda AUS - Australia AUT - Austria AZE - Azerbaijan BDI - Burundi BEL - Belgium BEN - Benin BES - Bonaire, Sint Eustatius and Saba BFA - Burkina Faso BGD - Bangladesh BGR - Bulgaria BHR - Bahrain BHS - Bahamas BIH - Bosnia and Herzegovina BLM - Saint Barthélemy BLR - Belarus BLZ - Belize BMU - Bermuda BOL - Bolivia, Plurinational State of BRA - Brazil BRB - Barbados BRN - Brunei Darussalam BTN - Bhutan BVT - Bouvet Island BWA - Botswana CAF - Central African Republic CAN - Canada CCK - Cocos (Keeling) Islands CHE - Switzerland CHL - Chile CHN - China CIV - Côte d’Ivoire CMR - Cameroon COD - Congo, the Democratic Republic of the COG - Congo COK - Cook Islands COL - Colombia COM - Comoros CPV - Cape Verde CRI - Costa Rica CUB - Cuba CUW - Curaçao CXR - Christmas Island CYM - Cayman Islands CYP - Cyprus CZE - Czech Republic DEU - Germany DJI - Djibouti DMA - Dominica DNK - Denmark DOM - Dominican Republic DZA - Algeria ECU - Ecuador EGY - Egypt ERI - Eritrea ESH - Western Sahara ESP - Spain EST - Estonia ETH - Ethiopia FIN - Finland FJI - Fiji FLK - Falkland Islands (Malvinas) FRA - France FRO - Faroe Islands FSM - Micronesia, Federated States of (US Territory) GAB - Gabon GBR - United Kingdom GEO - Georgia GGY - Guernsey GHA - Ghana GIB - Gibraltar GIN - Guinea GLP - Guadeloupe GMB - Gambia GNB - Guinea-Bissau GNQ - Equatorial Guinea GRC - Greece GRD - Grenada GRL - Greenland GTM - Guatemala GUF - French Guiana GUM - Guam (US Territory) GUY - Guyana HKG - Hong Kong HMD - Heard Island and McDonald Islands HND - Honduras HRV - Croatia HTI - Haiti HUN - Hungary IDN - Indonesia IMN - Isle of Man IND - India IOT - British Indian Ocean Territory IRL - Ireland IRN - Iran, Islamic Republic of IRQ - Iraq ISL - Iceland ISR - Israel ITA - Italy JAM - Jamaica JEY - Jersey JOR - Jordan JPN - Japan KAZ - Kazakhstan KEN - Kenya KGZ - Kyrgyzstan KHM - Cambodia KIR - Kiribati KNA - Saint Kitts and Nevis KOR - Korea, Republic of KWT - Kuwait LAO - Lao People's Democratic Republic LBN - Lebanon LBR - Liberia LBY - Libya LCA - Saint Lucia LIE - Liechtenstein LKA - Sri Lanka LSO - Lesotho LTU - Lithuania LUX - Luxembourg LVA - Latvia MAC - Macao MAF - Saint Martin (French Region) MAR - Morocco MCO - Monaco MDA - Moldova, Republic of MDG - Madagascar MDV - Maldives MEX - Mexico MHL - Marshall Islands (US Territory) MKD - Macedonia, the former Yugoslav Republic of MLI - Mali MLT - Malta MMR - Myanmar MNE - Montenegro MNG - Mongolia MNP - Northern Mariana Islands (US Territory) MOZ - Mozambique MRT - Mauritania MSR - Montserrat MTQ - Martinique MUS - Mauritius MWI- Malawi MYS - Malaysia MYT - Mayotte NAM - Namibia NCL - New Caledonia NER - Niger NFK - Norfolk Island NGA - Nigeria NIC - Nicaragua NIU - Niue NLD - Netherlands NOR - Norway NPL - Nepal NRU - Nauru NZL - New Zealand OMN - Oman PAK - Pabkistan PAN - Panama PCN - Pitcairn PER - Peru PHL - Philippines PLW - Palau (US Territory) PNG - Papua New Guinea POL - Poland PRI - Puerto Rico (US Territory) PRK - Korea, Democratic People's Republic of PRT - Portugal PRY - Paraguay PSE - Palestine, State of PYF - French Polynesia QAT - Qatar REU - Réunion ROU - Romania RUS - Russian Federation RWA - Rwanda SAU - Saudi Arabia SDN - Sudan SEN - Senegal SGP - Singapore SGS - South Georgia and the South Sandwich Islands SHN - Saint Helena, Ascension and Tristan da Cunha SJM - Svalbard and Jan Mayen SLB - Solomon Islands SLE - Sierra Leone SLV - El Salvador SMR - San Marino SOM - Somalia SPM - Saint Pierre and Miquelon SRB - Serbia SSD - South Sudan STP - Sao Tome and Principe SUR - Suriname SVK - Slovakia SVN - Slovenia SWE - Sweden SWZ - Swaziland SXM- Sint Maarten (Dutch Region) SYC - Seychelles SYR - Syrian Arab Republic TCA - Turks and Caicos Islands TCD - Chad TGO - Togo THA - Thailand TJK - Tajikistan TKL - Tokelau TKM - Turkmenistan TLS - Timor-Leste TON - Tonga TTO - Trinidad and Tobago TUN - Tunisia TUR - Turkey TUV - Tuvalu TWN - Taiwan, Province of China TZA - Tanzania, United Republic of UGA - Uganda UKR - Ukraine UMI - United States Minor Outlying Islands (US Territory) URY - Uruguay USA - United States UZB - Uzbekistan VAT - Holy See (Vatican City State) VCT - Saint Vincent and the Grenadines VEN - Venezuela, Bolivarian Republic of VGB - Virgin Islands, British VIR - Virgin Islands, U.S. (US Territory) VNM - Viet Nam VUT - Vanuatu WLF - Wallis and Futuna WSM - Samoa XXK - Kosovo YEM - Yemen ZAF - South Africa ZMB - Zambia ZWE - Zimbabwe

Transaction Metrics

Click here to see all Sub-Decisions for Transaction Metrics

Sub-Decision	Description	Operators	Valid Values
Daily All Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Daily All Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Daily Card Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Daily Card Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Card Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Card Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Daily Cards Present Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Daily Cards Present Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Cards Present Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Cards Present Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Daily Cards-Not-Present Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Daily Cards-Not-Present Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Cards-Not-Present Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Cards-Not-Present Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Daily Bank Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Daily Bank Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Bank Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Bank Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Daily Refunds Count		Greater than or equal to threshold. Less than or equal to threshold.
Daily Refunds Amount		Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Refunds Count		Greater than or equal to threshold. Less than or equal to threshold.
Daily Declined Refunds Amount		Greater than or equal to threshold. Less than or equal to threshold.
Daily Sales		Greater than or equal to threshold. Less than or equal to threshold.
Daily Bad Authentications		Greater than or equal to threshold. Less than or equal to threshold.
Daily Successful Authentications		Greater than or equal to threshold. Less than or equal to threshold.
Weekly All Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Weekly All Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Declined Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Declined Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Card Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Card Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Declined Card Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Declined Card Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Cards Present Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Cards Present Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
WeeklyDeclined Cards Present Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Declined Cards Present Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Cards-Not-Present Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Cards-Not-Present Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Declined Cards-Not-Present Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Declined Cards Not Present Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Bank Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Bank Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Declined Bank Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Declined Bank Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Refunds Count		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Refunds Amount		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Declined Refunds Count		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Declined Refunds Amount		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Sales		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Bad Authentications		Greater than or equal to threshold. Less than or equal to threshold.
Weekly Successful Authentications		Greater than or equal to threshold. Less than or equal to threshold.
Monthly All Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Monthly All Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Monthly Declined Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Monthly Declined Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Monthly Card Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Monthly Card Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Monthly Declined Card Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Monthly Declined Card Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Monthly Cards Present Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Monthly Cards Present Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Monthly Declined Cards Present Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Monthly Declined Cards Present Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Monthly Cards-Not-Present Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Monthly Cards-Not-Present Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Monthly Declined Cards-Not-Present Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Monthly Declined Cards-Not-Present Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
MonthlyBank Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
MonthlyBank Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Monthly Declined Bank Transactions Count		Greater than or equal to threshold. Less than or equal to threshold.
Monthly Declined Bank Transactions Amount		Greater than or equal to threshold. Less than or equal to threshold.
Monthly Refunds Count		Greater than or equal to threshold. Less than or equal to threshold.
Monthly Refunds Amount		Greater than or equal to threshold. Less than or equal to threshold.
Monthly Declined Refunds Count		Greater than or equal to threshold. Less than or equal to threshold.
Monthly Declined Refunds Amount		Greater than or equal to threshold. Less than or equal to threshold.
Monthly Bad Authentications		Greater than or equal to threshold. Less than or equal to threshold.
Monthly Successful Authentications		Greater than or equal to threshold. Less than or equal to threshold.

TIN Check

Click here to see all Sub-Decisions for TIN Check

Sub-Decision	Description	Operators	Valid Values
TIN Score	A score indicating the confidence in the TIN Match Code	Greater than or equal to threshold. Less than or equal to threshold.
Status Code	A status code indicating the match or mismatch of the TIN Matching service.	Matches Value	0 2 3 4 5 9 10 100

Trulioo Identity Document Verification (IDV)

Click here to see all Sub-Decisions for Identity Document Verification

Sub-Decision	Operators	Valid Values
Record Status	Matches Value No Match	No Match Match Missing
Surname	Matches Value No Match	No Match Match Missing
Given Name	Matches Value No Match	No Match Match Missing
Address Line 1	Matches Value No Match	No Match Match Missing
Postal Code	Matches Value No Match	No Match Match Missing
Day of Birth	Matches Value No Match	No Match Match Missing
Month of Birth	Matches Value No Match	No Match Match Missing
Year of Birth	Matches Value No Match	No Match Match Missing
Telephone Number	Matches Value No Match	No Match Match Missing
State or Province Code	Matches Value No Match	No Match Match Missing
Email Address	Matches Value No Match	No Match Match Missing

Trulioo Business Verification

Click here to see all Sub-Decisions for Trulioo Business Verification

Sub-Decision	Description	Operators	Valid Values
Record Status		Matches Value No Match	No Match Match Missing
Address Line 1		Matches Value No Match	No Match Match Missing
Postal Code		Matches Value No Match	No Match Match Missing
City		Matches Value No Match	No Match Match Missing
State or Province Code		Matches Value No Match	No Match Match Missing
Business Name		Matches Value No Match	No Match Match Missing
Business Registration Number		Matches Value No Match	No Match Match Missing
Jurisdicition of Incorporation		Matches Value No Match	No Match Match Missing
TIN	Tax ID Number	Matches Value No Match	No Match Match Missing
Found in Directors Officers		Truthy Falsy	No value. Operators serves as the value.
Found in Company Ownership		Truthy Falsy	No value. Operators serves as the value.

Trulioo Async Business Verification

Click here to see all Sub-Decisions for Async Business Verification

Sub-Decision	Description	Operators	Valid Values
Record Status		Matches Value No Match	No Match Match Missing
Address Line 1		Matches Value No Match	No Match Match Missing
Postal Code		Matches Value No Match	No Match Match Missing
City		Matches Value No Match	No Match Match Missing
State or Province Code		Matches Value No Match	No Match Match Missing
Business Name		Matches Value No Match	No Match Match Missing
Business Registration Number		Matches Value No Match	No Match Match Missing
Jurisdicition of Incorporation		Matches Value No Match	No Match Match Missing
TIN	Tax ID Number	Matches Value No Match	No Match Match Missing
Found in Directors Officers		Truthy Falsy	No value. Operators serves as the value.
Found in Company Ownership		Truthy Falsy	No value. Operators serves as the value.

Trulioo Anti-Money Laundering Identity Document Verification (AML IDV)

Click here to see all Sub-Decisions for Trulioo Anti-Money Laundering Identity Document Verification

Sub-Decision	Operators	Valid Values
Record Status	Matches Value No Match	No Match Match Missing
Surname	Matches Value No Match	No Match Match Missing
Given Name	Matches Value No Match	No Match Match Missing
Address Line 1	Matches Value No Match	No Match Match Missing
Postal Code	Matches Value No Match	No Match Match Missing
Day of Birth	Matches Value No Match	No Match Match Missing
Month of Birth	Matches Value No Match	No Match Match Missing
Year of Birth	Matches Value No Match	No Match Match Missing
Telephone Number	Matches Value No Match	No Match Match Missing
State or Province Code	Matches Value No Match	No Match Match Missing
Email Address	Matches Value No Match	No Match Match Missing

Plaid Get Identity

Click here to see all Sub-Decisions for Plaid Get Identity

Sub-Decision	Operators	Valid Values
Available	Greater than or equal to threshold. Less than or equal to threshold.
Current	Greater than or equal to threshold. Less than or equal to threshold.
ISO Currency Code	Matches Value No Match Is Empty	USA CAN
Unofficial Currency Code	Is Present Is Empty
Official Name	Matches Value No Match
Type	Matches Value No Match	Depository Credit Loan Investment Other
Depository Subtype	Matches Value No Match	Checking Savings Health Savings (HSA) Certificate of Deposit (CD) Money Market PayPal Prepaid Cash Management EBT Other
Phone-Email Mismatch	Truthy Falsy	No value. Operators serves as the value.
Email-Zip Code Mismatch	Truthy Falsy	No value. Operators serves as the value.

Plaid Identity Match

Click here to see all Sub-Decisions for Plaid Identity Match

Sub-Decision	Operators	Valid Values
Legal Name Score	Greater than or equal to threshold. Less than or equal to threshold.
Phone Number Score	Greater than or equal to threshold. Less than or equal to threshold.
Email Address Score	Greater than or equal to threshold. Less than or equal to threshold.
Address Score	Greater than or equal to threshold. Less than or equal to threshold.
Business Name Detected	Truthy Falsy	No value. Operators serves as the value.
First or Last Name Match	Truthy Falsy	No value. Operators serves as the value.
Postal Code Match	Truthy Falsy	No value. Operators serves as the value.

Plaid Transaction Identity Match

Click here to see all Sub-Decisions for Plaid Transaction Identity Match

Sub-Decision	Operators	Valid Values
Legal Name Score	Greater than or equal to threshold. Less than or equal to threshold.
Phone Number Score	Greater than or equal to threshold. Less than or equal to threshold.
Email Address Score	Greater than or equal to threshold. Less than or equal to threshold.
Address Score	Greater than or equal to threshold. Less than or equal to threshold.
Business Name Detected	Truthy Falsy	No value. Operators serves as the value.
First or Last Name Match	Truthy Falsy	No value. Operators serves as the value.
Postal Code Match	Truthy Falsy	No value. Operators serves as the value.

Plaid Transaction Get Identity

Click here to see all Sub-Decisions for Plaid Transaction Get Identity

Sub-Decision	Operators	Valid Values
Available	Greater than or equal to threshold. Less than or equal to threshold.
Current	Greater than or equal to threshold. Less than or equal to threshold.
ISO Currency Code	Matches Value No Match Is Empty	USA CAN
Unofficial Currency Code	Is Present Is Empty
Official Name	Matches Value No Match
Type	Matches Value No Match	Depository Credit Loan Investment Other
Depository Subtype	Matches Value No Match	Checking Savings Health Savings (HSA) Certificate of Deposit (CD) Money Market PayPal Prepaid Cash Management EBT Other
Phone-Email Mismatch	Truthy Falsy	No value. Operators serves as the value.
Email-Zip Code Mismatch	Truthy Falsy	No value. Operators serves as the value.

Plaid Transaction Get Authorization (Auth)

Click here to see all Sub-Decisions for Plaid Transaction Get Authorization (Auth)

Sub-Decision	Operators	Valid Values
Available	Greater than or equal to threshold. Less than or equal to threshold.
Current	Greater than or equal to threshold. Less than or equal to threshold.
Limit	Greater than or equal to threshold. Less than or equal to threshold.
ISO Currency Code	Matches Value No Match Is Empty	USA CAN
Unofficial Currency Code	Is Present Is Empty
Last Updated Date and Time	Greater than or equal to threshold. Less than or equal to threshold.
Official Name	Matches Value No Match
Type	Matches Value No Match	Depository Credit Loan Investment Other
Depository Subtype	Matches Value No Match	Checking Savings Health Savings (HSA) Certificate of Deposit (CD) Money Market PayPal Prepaid Cash Management EBT Other
Verification Status	Matches Value No Match	Automatically Verified Pending Automatic Verification Pending Manual Verification Manually Verified Verification Expired Verification Failed
Insufficient Funds	Truthy Falsy	No value. Operators serves as the value.

Baseline Transaction Metrics Outlier Ticket Size

Click here to see all Sub-Decisions for Baseline Transaction Metrics Outlier Ticket Size

Sub-Decision	Operators	Valid Values
Outlier Ticket Size	Truthy Falsy	No value. Operators serves as the value.
Transaction Number	Greater than or equal to threshold. Less than or equal to threshold. Matches Value No Match
Transaction Percentile	Greater than or equal to threshold. Less than or equal to threshold. Matches Value No Match
Transaction Base	Greater than or equal to threshold. Less than or equal to threshold. Matches Value No Match

Match Rule

Match Rules are criteria deciding how the sub-decision will be applied based on who triggers it.

All - Requires every owner to meet the criteria for the action to be applied.
Any - Requires only one owner to meet the criteria for the action to be applied.

Risk Level

Risk Level sets an optional prioritization to apply the sub-decision action based on the Merchant’s Risk Score range, between 0 and 100, 0 being the highest risk and 100 being the lowest. This Merchant Risk Score is displayed on the Merchant Risk Management Details page:

Low - 67-100
Medium - 34 to 66
High - 0 to 33

Operators

Operators act as the criteria filter for each Sub-Decision to read the data provided and trigger the configured Decision action accordingly.

Operator	Description	Example
Truthy	The operator and the value of “True” in a true/false boolean to trigger the Decision action.	Conflict with DOB: Truthy - There is a conflict with the entity member’s date of birth.
Falsy	The operator and the value of “False” in a true/false boolean to trigger the Decision action.	Plaid Verification: Falsy - No Plaid Verification has occurred for the entity.
Is Present	If any result is present, trigger the Decision action.	OFAC Watch List Match: Is Present - Entity appeared on an OFAC Watch List.
Is Empty	If no result is present, trigger the Decision action.	Entity TC Date: Is Empty - No Entity Terms and Conditions Agreement Date was found.
Greater than or equal to threshold.	Sets a range above the preset threshold value to trigger the Decision action at or above.	Entity Score: Greater than or equal to 89.
Less than or equal to threshold.	Sets a range below the preset threshold value to trigger the Decision action at or below.	FICO Score: Less than or equal to 650.
Matches Value	If result is an exact match to the set value, trigger the Decision action.	Risk Indicator Code: Matches Value “10” - The input business name matches a name on the OFAC file.
No Match	If the result does not match the set value, trigger the Decision action.	[Charity] Subsection Code: No Match - The result does not match a valid non-profit entity type.

Value

Each Value will be dependent on the available Operators for each Subtype.

Truthy, Falsy, Is Present, and Is Empty Operators do not require a Value to be set.
Greater than or equal to threshold, Less than or equal to threshold, Matches Value, and No Match Operators require a specific Value to be set:

Applicable Values for each risk service being reviewed are available in the Subtypes sections above.

Actions

Decision Actions are set automated processes that take place when the specific Subtype’s Operator and Value criteria are met.

Action	Description
Skipped	The Sub-Decision will skip the transaction or Merchant without taking the specific action of that Sub-Decision, but may still apply to other Sub-Decision in a Policy.
Pass	The Merchant or Transaction meets the criteria and is allowed to pass without any action taking place.
None	No Action will occur.
Errored	Respond to Merchant Boarding or Transaction processing with an error.
Reserve	The funds for the transaction will not be released until the Transaction is manually reviewed.
Hold	The transaction not be captured until it is manually released.
Block	Block the Transaction from proceeding or Merchant from boarding. This returns an error.
Post Review Only	The Merchant or Transaction is flagged for review, but no immediate action is taken allowing for a Post Review decision to be made
Approve	The Merchant or Transaction is released from any holds and approved to board or process respectively.
Manual Review	The Merchant or Transaction in question is held for manual review.

Rules

Rules are additional Sub-Decision criteria that can be optionally applied in a series of and/or linking, similar to traditional Conditional Rules shown on Decisions.

Note: All additional criteria and parameters for Rules are the same as those available from the Sub-Decision

Dependencies

Each Decision supports other conditional Decisions known as Dependencies. All Dependencies of the Decision will execute first and the Decision itself will only run if all dependencies have passed.

There must be at least one Decision with no dependencies in the list of Decisions.

Failover Dependencies

An optional type of dependency in case of a timeout error from the initial subtype’s risk service.

Fail Reason	Description
Timeout	The service for another Decision in the Policy and Subtype criteria search has timed out.