Authorize.net’s Advanced Fraud Detection Suite (AFDS) is a powerful, rules-based set of transaction filters and Internet Protocol (IP) address tools designed to help online merchants identify, manage and prevent costly fraudulent transactions. You can learn more about AFDS on this page: https://www.authorize.net/en-us/resources/our-features/advanced-fraud-detection.html.

Authorize.net focuses on 4 major configurable fraud filter categories:

1. Velocity: Set daily and hourly limits on the number of transactions allowed to process through your account.
2. Transaction: Automatically identifies suspicious transactions using criteria learned of years of experience, while validating customer card information with the card issuer.
3. IP: Isolate suspicious activity from specific IP addresses, regions, or known fraudsters.
4. Shipping: Verify shipping addresses and compare the shipping address provided with an order to the IP address of where the order originated.

Please follow these steps to update your fraud filters:

1. Log into your Merchant Interface.
2. Click Fraud Detection Suite in the main left menu.
3. On the Fraud Detection Suite page, click Setup Wizard in right menu.
4. Follow every step in the Wizard, so your settings will be successfully applied.
   Note: You can navigate through the wizard using Save (to save the changes) or Back (to go back to a previous setting) buttons located at the bottom of the page. If you decide not to enable a certain filter or setting right away, simply click Skip›› at the bottom of the page. The only time settings are saved is when you click the Save button (regardless of whether you clicked the check box to enable the filter). You can click Exit at any time to leave the Wizard, or wait until the end to click Finish. Regardless of if you leave the Wizard early or not, any settings you save will stay saved.

Tip: You can update the filter actions to “Do not authorize, but hold for review”. When this action is selected, transactions that trigger this filter are placed in the Pending Review state prior to being sent for authorization. Once in Pending Review, you will have five days to manually review and either approve or decline the transaction.

Below are screenshots as an example of how a store has configured their fraud filters:

• The store has specified regions where orders can be processed and selected regions where orders should automatically decline using the IP.
• The IP velocity filter is set to only allow 4 transactions from the same IP within an hour.
• Transactions below $2 and above $10,000 are set to be flagged using the amount filter.