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POST /pad/css
Request a risk assessment based on:
- Customer details and device fingerprint
- Order details
- Shipping address
- Gateway settings
The response contains:
- MultiSafepay's customer credibility score (CCS) (
data.score) for the order - Our recommendation (
data.accept) for Openbank to accept or decline the order - An overview of the data we examined (all data affect the CCS, and some directly affect our recommendation, e.g. stoplist hits)
For more information about CCBR, CIR, and PEP stoplists, see Trigger stoplists.
Authentication
Affiliated merchant's site-level API key
Request
billing_address
description: The customer's billing address.
type: object
Attributes
billing_address.apartment
description: The customer's apartment number, including block, floor, and/or door identifiers, e.g.:
34B17E32
type: string
billing_address.city
description: The customer's city of residence.
type: string
billing_address.country
description: The customer's country of residence.
type: string
billing_address.street
description: The customer's street name.
type: string
billing_address.zipcode
description: The customer's ZIP code.
type: string
browser_info
description: The customer's browser information.
To create a browser_info object from a customer's device, use the fingerprint function.
type: object
Attributes
browser_info.accept_header
description: The HTTP header of the Accept request.
For more information, see MDN – Accept
type: string
browser_info.cookies_enabled
description: description: Whether or not cookies are enabled on the customer's device.
type: boolean
browser_info.ip_address
description: The IP address of the customer's device.
type: string
browser_info.java_enabled
description: description: Whether or not java is enabled on the customer's device.
type: boolean
browser_info.javascript_enabled
description: description: Whether or not javascript is enabled on the customer's device.
type: boolean
browser_info.language
description: The preferred language of the customer's browser.
type: string
browser_info.platform
description: The operating system the customer's browser is running on.
type: string
browser_info.screen_color_depth
description: The color depth of customer's screen.
type: integer
browser_info.screen_height
description: The height (in pixels) of the customer's screen.
type: string
browser_info.screen_width
description: The width (in pixels) of the customer's screen.
type: string
browser_info.time_zone
description: The timezone of the customer's device.
type: string
browser_info.user_agent
description: The User-Agent request header. For more information, see MDN – User-Agent
type: string
customer_info
description: The customer's personal details.
For stoplists based on the customer_info object, see Trigger stoplists.
type: object
Attributes
customer_info.birthdate
description: The customer's apartment number.
type: string
format: YYYY-MM-DD
example: 2000-12-30
customer_info.email
description: The customer's email address.
type: string
customer_info.first_name
description: The customer's first name.
type: string
customer_info.last_name
description: The customer's last name.
- If the value contains "suspicious", a lower
scoreis assigned andacceptistrue. - If the value contains "fraud", a lower
scoreis assigned andacceptisfalse.
type: string
customer_info.phone
description: The customer's phone number.
type: string
format:
- You can supply phone numbers with or without whitespaces.
- description: The country code can be in the form of e.g.
+31or0031.
We sanitize the input by removing whitespaces. description: The example below shows the resulting format.
example: +31612345678
customer_reference
description: The merchant's unique customer identifier.
type: string
gateway
description: The payment flow.
For specific risk and tolerance settings per gateway.
type: string
options:
BNPL_INSTBNPL_OB
Note: If the gateway is not set, it will default to either BNPL_INST or BNPL_OB
order
description: Information about the order.
type: object
Attributes
order.amount
description: The total amount (in eurocents) of the shopping cart, e.g. for a payment of €14,95, set amount to 1495.
type: integer
order.currency
description: The currency of the shopping cart.
type: string
format: ISO-4217
example: EUR
order.description
description: A description of the shopping cart contents.
type: string
reusable (optional)
description: Whether the CCS ID can be used for more than one invoice order. type: boolean
default: false
shipping_address
description: The customer's shipping address.
type: object
Attributes
shipping_address.apartment
description: The apartment number in the shipping address.
This includes block, floor, and/or door identifiers.
Examples:
34B17E32
type: string
shipping_address.city
description: The city in the shipping address.
type: string
shipping_address.country
description: The country in the shipping address.
type: string
shipping_address.street
description: The street name in the shipping address.
type: string
shipping_address.zipcode
description: The ZIP code in the shipping address.
type: string
Examples
curl -X POST "https://api.acc.multisafepay.com/v1/json/pad/ccs?api_key={your-affiliate-api-key}" \
-H "accept: application/json" \
-H "Content-Type: application/json" \
-d '{
"billing_address": {
"apartment": "string",
"city": "string",
"country": "string",
"street": "string",
"zipcode": "string"
},
"browser_info": {
"accept_header": "string",
"cookies_enabled": true,
"ip_address": "string",
"java_enabled": true,
"javascript_enabled": true,
"language": "string",
"platform": "string",
"screen_color_depth": 0,
"screen_height": 0,
"screen_width": 0,
"time_zone": 0,
"user_agent": "string"
},
"customer_info": {
"birthdate": "2021-07-15",
"email": "[email protected]",
"first_name": "string",
"last_name": "string",
"phone": "string"
},
"customer_reference": "string",
"order": {
"amount": 0,
"currency": "string",
"description": "string"
},
"reusable": true,
"shipping_address": {
"apartment": "string",
"city": "string",
"country": "string",
"street": "string",
"zipcode": "string"
}
}'
curl -X POST "https://api.acc.multisafepay.com/v1/json/pad/ccs?api_key={your-affiliate-api-key}" \
-H "accept: application/json" \
-H "Content-Type: application/json" \
-d '{
"billing_address": {
"apartment": "43",
"city": "Vlaardingen",
"country": "NL",
"street": "Holyweg",
"zipcode": "3137KB"
},
"browser_info": {
"accept_header": "text/html,application/xhtml+xml,application/xml",
"cookies_enabled": true,
"ip_address": "77.163.73.160",
"java_enabled": true,
"javascript_enabled": true,
"language": "nl_NL",
"platform": "mac",
"screen_color_depth": 24,
"screen_height": 900,
"screen_width": 1440,
"time_zone": -120,
"user_agent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/93.0.4577.82 Safari/537.36"
},
"customer_info": {
"birthdate": "1937-04-28",
"email": "[email protected]",
"first_name": "Dimmu",
"last_name": "Borgir",
"phone": "+31653511576"
},
"customer_reference": "customer-123",
"reusable": true,
"order": {
"amount": 10000,
"currency": "EUR",
"description": "Some order"
},
"shipping_address": {
"apartment": "43",
"city": "Vlaardingen",
"country": "NL",
"street": "Holyweg",
"zipcode": "3137KB"
}
}'
curl -X POST "https://api.acc.multisafepay.com/v1/json/pad/ccs?api_key={your-affiliate-api-key}" \
-H "accept: application/json" \
-H "Content-Type: application/json" \
-d '{
"billing_address": {
"apartment": "43",
"city": "Amsterdam",
"country": "NL",
"street": "Kraanspoor",
"zipcode": "1033SC"
},
"browser_info": {
"accept_header": "text/html,application/xhtml+xml,application/xml",
"cookies_enabled": true,
"ip_address": "77.163.73.160",
"java_enabled": true,
"javascript_enabled": true,
"language": "nl_NL",
"platform": "mac",
"screen_color_depth": 24,
"screen_height": 900,
"screen_width": 1440,
"time_zone": -120,
"user_agent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/93.0.4577.82 Safari/537.36"
},
"customer_info": {
"birthdate": "1985-04-28",
"email": "[email protected]",
"first_name": "Michiel",
"last_name": "van Werkhoven",
"phone": "+31653511576"
},
"customer_reference": "customer-123",
"reusable": true,
"order": {
"amount": 10000,
"currency": "EUR",
"description": "Some order"
},
"shipping_address": {
"apartment": "43",
"city": "Amsterdam",
"country": "NL",
"street": "Kraanspoor",
"zipcode": "1033SC"
}
}'
curl -X POST "https://api.acc.multisafepay.com/v1/json/pad/ccs?api_key={your-affiliate-api-key}" \
-H "accept: application/json" \
-H "Content-Type: application/json" \
-d '{
"billing_address": {
"apartment": "1",
"city": "Gravenhage",
"country": "NL",
"street": "Neherkade",
"zipcode": "2521VA"
},
"browser_info": {
"accept_header": "text/html,application/xhtml+xml,application/xml",
"cookies_enabled": true,
"ip_address": "77.163.73.160",
"java_enabled": true,
"javascript_enabled": true,
"language": "nl_NL",
"platform": "mac",
"screen_color_depth": 24,
"screen_height": 900,
"screen_width": 1440,
"time_zone": -120,
"user_agent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/93.0.4577.82 Safari/537.36"
},
"customer_info": {
"birthdate": "1937-04-28",
"email": "[email protected]",
"first_name": "Dimmu",
"last_name": "Borgir",
"phone": "+31653511576"
},
"customer_reference": "customer-123",
"reusable": true,
"order": {
"amount": 10000,
"currency": "EUR",
"description": "Some order"
},
"shipping_address": {
"apartment": "1",
"city": "Gravenhage",
"country": "NL",
"street": "Neherkade",
"zipcode": "2521VA"
}
}'
Blacklisting
curl -X POST "https://api.acc.multisafepay.com/v1/json/pad/ccs?api_key={your-affiliate-api-key}" \
-H "accept: application/json" \
-H "Content-Type: application/json" \
-d '{
"billing_address": {
"apartment": "99",
"city": "Rotterdam",
"country": "NL",
"street": "Insulindestraat",
"zipcode": "3037PM"
},
"browser_info": {
"accept_header": "text/html,application/xhtml+xml,application/xml",
"cookies_enabled": true,
"ip_address": "1.2.3.4",
"java_enabled": false,
"javascript_enabled": true,
"language": "en-US",
"platform": "Win32",
"screen_color_depth": 24,
"screen_height": 1152,
"screen_width": 2048,
"time_zone": -120,
"user_agent": "Mozilla/5.0 (WindowsNT 6.1; Win64; x64; rv:47.0)"
},
"customer_info": {
"birthdate": "1994-10-23",
"email": "[email protected]",
"first_name": "Oussama Achraf",
"last_name": "Utrecht",
"phone": "+34 1234567"
},
"customer_reference": "customer-123",
"order": {
"amount": 100000,
"currency": "EUR",
"description": "Some order"
},
"reusable": true,
"shipping_address": {
"apartment": "99",
"city": "Rotterdam",
"country": "NL",
"street": "Insulindestraat",
"zipcode": "3037PM"
}
}'
curl -X POST "https://api.acc.multisafepay.com/v1/json/pad/ccs?api_key={your-affiliate-api-key}" \
-H "accept: application/json" \
-H "Content-Type: application/json" \
-d '{
"billing_address": {
"apartment": "37",
"city": "Pyongyang",
"country": "KP",
"street": "Sungri St.",
"zipcode": ""
},
"browser_info": {
"accept_header": "text/html,application/xhtml+xml,application/xml",
"cookies_enabled": true,
"ip_address": "1.2.3.4",
"java_enabled": false,
"javascript_enabled": true,
"language": "en-US",
"platform": "Win32",
"screen_color_depth": 24,
"screen_height": 1152,
"screen_width": 2048,
"time_zone": -120,
"user_agent": "Mozilla/5.0 (WindowsNT 6.1; Win64; x64; rv:47.0)"
},
"customer_info": {
"birthdate": "1994-10-23",
"email": "[email protected]",
"first_name": "Oussama Achraf",
"last_name": "Utrecht",
"phone": "+34 1234567"
},
"customer_reference": "customer-123",
"order": {
"amount": 100000,
"currency": "EUR",
"description": "Some order"
},
"reusable": true,
"shipping_address": {
"apartment": "37",
"city": "Pyongyang",
"country": "KP",
"street": "Sungri St.",
"zipcode": ""
}
}'
curl -X POST "https://api.acc.multisafepay.com/v1/json/pad/ccs?api_key={your-affiliate-api-key}" \
-H "accept: application/json" \
-H "Content-Type: application/json" \
-d '{
"billing_address": {
"apartment": "1C",
"city": "Amsterdam",
"country": "NL",
"street": "Main Ave.",
"zipcode": "3300BA"
},
"browser_info": {
"accept_header": "text/html,application/xhtml+xml,application/xml",
"cookies_enabled": true,
"ip_address": "1.2.3.4",
"java_enabled": false,
"javascript_enabled": true,
"language": "en-US",
"platform": "Win32",
"screen_color_depth": 24,
"screen_height": 1152,
"screen_width": 2048,
"time_zone": -120,
"user_agent": "Mozilla/5.0 (WindowsNT 6.1; Win64; x64; rv:47.0)"
},
"customer_info": {
"birthdate": "1994-10-23",
"email": "[email protected]",
"first_name": "Oussama Achraf",
"last_name": "Utrecht",
"phone": "+34 1234567"
},
"customer_reference": "customer-123",
"order": {
"amount": 100000,
"currency": "EUR",
"description": "Some order"
},
"reusable": true,
"shipping_address": {
"apartment": "1B",
"city": "Amsterdam",
"country": "NL",
"street": "Main Ave.",
"zipcode": "3300BA"
}
}'
curl -X POST "https://api.acc.multisafepay.com/v1/json/pad/ccs?api_key={your-affiliate-api-key}" \
-H "accept: application/json" \
-H "Content-Type: application/json" \
-d '{
"billing_address": {
"apartment": "14A",
"city": "Amsterdam",
"country": "KP",
"street": "Main Ave.",
"zipcode": "1111JD"
},
"browser_info": {
"accept_header": "text/html,application/xhtml+xml,application/xml",
"cookies_enabled": true,
"ip_address": "83.163.217.8",
"java_enabled": false,
"javascript_enabled": true,
"language": "en-US",
"platform": "Win32",
"screen_color_depth": 24,
"screen_height": 1152,
"screen_width": 2048,
"time_zone": -120,
"user_agent": "Mozilla/5.0 (Windows NT 6.1; Win64; x64; rv:47.0)"
},
"customer_info": {
"birthdate": "1994-10-23",
"email": "[email protected]",
"first_name": "Oussama Achraf",
"last_name": "Utrecht",
"phone": "+34 1234567"
},
"customer_reference": "customer-123",
"order": {
"amount": 100000,
"currency": "EUR",
"description": "Some order"
},
"shipping_address": {
"apartment": "14A",
"city": "Amsterdam",
"country": "NL",
"street": "Main Ave.",
"zipcode": "1111JD"
}
}'
Stoplists
curl -X POST "https://api.acc.multisafepay.com/v1/json/pad/ccs?api_key={your-affiliate-api-key}" \
-H "accept: application/json" \
-H "Content-Type: application/json" \
-d '{
"billing_address": {
"apartment": "1C",
"city": "Amsterdam",
"country": "NL",
"street": "Main Ave.",
"zipcode": "3300BA"
},
"browser_info": {
"accept_header": "text/html,application/xhtml+xml,application/xml",
"cookies_enabled": true,
"ip_address": "1.2.3.4",
"java_enabled": false,
"javascript_enabled": true,
"language": "en-US",
"platform": "Win32",
"screen_color_depth": 24,
"screen_height": 1152,
"screen_width": 2048,
"time_zone": -120,
"user_agent": "Mozilla/5.0 (WindowsNT 6.1; Win64; x64; rv:47.0)"
},
"customer_info": {
"birthdate": "1994-11-07",
"email": "[email protected]",
"first_name": "Lisa Priscilla",
"last_name": "Musse",
"phone": "+34 1234567"
},
"customer_reference": "customer-123",
"order": {
"amount": 100000,
"currency": "EUR",
"description": "Some order"
},
"shipping_address": {
"apartment": "1B",
"city": "Amsterdam",
"country": "NL",
"street": "Main Ave.",
"zipcode": "3300BA"
}
}'
curl -X POST "https://api.acc.multisafepay.com/v1/json/pad/ccs?api_key={your-affiliate-api-key}" \
-H "accept: application/json" \
-H "Content-Type: application/json" \
-d '{
"billing_address": {
"apartment": "1C",
"city": "Amsterdam",
"country": "NL",
"street": "Main Ave.",
"zipcode": "3300BA"
},
"browser_info": {
"accept_header": "text/html,application/xhtml+xml,application/xml",
"cookies_enabled": true,
"ip_address": "1.2.3.4",
"java_enabled": false,
"javascript_enabled": true,
"language": "en-US",
"platform": "Win32",
"screen_color_depth": 24,
"screen_height": 1152,
"screen_width": 2048,
"time_zone": -120,
"user_agent": "Mozilla/5.0 (WindowsNT 6.1; Win64; x64; rv:47.0)"
},
"customer_info": {
"birthdate": "1946-07-12",
"email": "[email protected]",
"first_name": "Johanna",
"last_name": "Hartskamp",
"phone": "+341234567"
},
"customer_reference": "customer-123",
"order": {
"amount": 100000,
"currency": "EUR",
"description": "Some order"
},
"shipping_address": {
"apartment": "1B",
"city": "Amsterdam",
"country": "NL",
"street": "Main Ave.",
"zipcode": "3300BA"
}
}'
curl -X POST "https://api.acc.multisafepay.com/v1/json/pad/ccs?api_key={your-affiliate-api-key}" \
-H "accept: application/json" \
-H "Content-Type: application/json" \
-d '{
"billing_address": {
"apartment": "1C",
"city": "Amsterdam",
"country": "NL",
"street": "Main Ave.",
"zipcode": "3300BA"
},
"browser_info": {
"accept_header": "text/html,application/xhtml+xml,application/xml",
"cookies_enabled": true,
"ip_address": "1.2.3.4",
"java_enabled": false,
"javascript_enabled": true,
"language": "en-US",
"platform": "Win32",
"screen_color_depth": 24,
"screen_height": 1152,
"screen_width": 2048,
"time_zone": -120,
"user_agent": "Mozilla/5.0 (WindowsNT 6.1; Win64; x64; rv:47.0)"
},
"customer_info": {
"birthdate": "1959-05-19",
"email": "[email protected]",
"first_name": "Marc-Antoine",
"last_name": "Jamet",
"phone": "+341234567"
},
"customer_reference": "customer-123",
"order": {
"amount": 100000,
"currency": "EUR",
"description": "Some order"
},
"shipping_address": {
"apartment": "1B",
"city": "Amsterdam",
"country": "NL",
"street": "Main Ave.",
"zipcode": "3300BA"
}
}'
Response
If the request is successful, data is returned from:
- Experian (external risk service)
- Google Maps
- PostNL
- MessageBird
- Trigger stoplists
If the request is unsuccessful, see Errors.
accept
description: Our recommendation on whether to accept or decline the risk of the order:
true: Acceptfalse: Decline
type: boolean
anomalies
description: A list of anomalies detected that could indicate fraud.
type: array of objects
Attributes
anomalies.code
description: The code of the ruleset that was triggered in the risk assessment.
type: enum
Example anomalies:
- Incorrect order amount
- Duplicate orders
- Repeated order information
- Mismatched timezones, IP addresses, or countries between the customer's browser and device
The rules have weights that vary based on the anomaly detected. A higher weight indicates greater influence on the overall score.
code | Type | Description | Weight |
|---|---|---|---|
221 | duplicate | Exact order match | Normal |
222 | duplicate | Same customer within given period | Normal |
225 | repetition | Device and IP but different customer | High |
226 | conflict | Timezone and country mismatch | Normal |
anomalies.reason
description: A description of the score.
type: string
anomalies.type
description: The type of anomaly.
type: enum
options: anomaly conflict duplicate repetition
credibility
description: description: Historical payment data for the customer + address, based on all MultiSafepay PAD orders (including non-Openbank).
type: object
Attributes
credibility.address
description: Historical payment data for the shipping_address.
type: object
Attributes
credibility.address.avg_payment_days
description: The average number of days it took customers at this address to pay.
type: integer
credibility.address.credible
description: Whether the address is credible.
In accordance with the GDPR, we can only give a quantitative response to the addresses associated with the merchant (in this case openbank).
type: boolean
credibility.address.debt_history
description: The debt history of customers at this address.
type: array of objects
Attributes
credibility.address.debt_history.debt_status
description: The current status of the debt.
type: string
options: arrangements, closures, extrajudicial, handled at partner, judicial procedure, monitoring, reason close, requests, uploaded
credibility.address.debt_history.order_amount
description: The order amount of the debt.
type: integer
credibility.address.debt_history.order_created
description: The timestamp for when the order was created.
type: string
credibility.address.last_order_amount
description: The value (in eurocents) of the last order placed by customers at this address.
type: integer
credibility.address.last_order_date
description: The date when customers at this address last placed an order.
type: string
credibility.address.last_order_status
description: The status of the last order placed by customers at this address.
type: enum
options: completed, declined, expired, shipped, void
credibility.address.origin
description: Whether the address is new or existing, and if existing, whether the merchant was an Openbank affiliate or not.
| Origin | Address | Merchant |
|---|---|---|
new | New | N/A |
merchant | Existing | Openbank affiliate |
other | Existing | Non-affiliate |
mixed | Existing | Openbank affiliate and non-affiliate |
type: enum
options: mixed, new merchant, other
credibility.address.paid_amount
description: The total value (in eurocents) of payments completed by customers at this address.
type: integer
credibility.address.paid_orders
description: The number of payments completed by customers at this address.
type: integer
credibility.address.pending_amount
description: The total value (in eurocents) of outstanding payments for customers at this address.
type: integer
credibility.address.pending_orders
description: The number of orders with outstanding payments for customers at this address.
type: integer
credibility.customer
description: Historical payment data based on the customer_info.
type: object
Attributes
credibility.customer.avg_payment_days
description: The average number of days it takes the customer to pay.
type: integer
credibility.customer.credible
description: Whether the customer is credible.
In accordance with the GDPR, we can only give a quantitative response for customers associated with the merchant (in this case openbank).
type: boolean
credibility.customer.debt_history
description: The customer's debt history.
type: array of objects
Attributes
credibility.customer.debt_history.debt_status
description: The current status of the customer's debt:
type: enum
options: arrangements, closures, extrajudicial, handled at partner, judicial procedure, monitoring, reason close, requests, uploaded
credibility.customer.debt_history.order_amount
description: The order amount of the customer's debt.
type: integer
credibility.customer.debt_history.order_created
description: The timestamp for when the order was created.
type: string
credibility.customer.last_order_amount
description: The value (in eurocents) of the last order the customer placed.
type: integer
credibility.customer.last_order_date
description: The date of the last order the customer placed.
type: string
credibility.customer.last_order_status
description: The status of the last order the customer placed.
type: enum
options: completed, declined, expired, shipped, void
credibility.customer.origin
description: Whether the customer is new or existing, and if existing, whether the merchant was an Openbank affiliate or not.
| Origin | Customer | Merchant |
|---|---|---|
new | New | N/A |
merchant | Existing | Openbank affiliate |
other | Existing | Non-affiliate |
mixed | Existing | Openbank affiliate and non-affiliate |
type: enum
options: mixed, new merchant, other
credibility.customer.paid_amount
description: The value (in eurocents) of payments the customer completed.
type: integer
credibility.customer.paid_orders
description: The number of payments the customer completed.
type: integer
credibility.customer.pending_amount
description: The value (in eurocents) of outstanding payments for the customer.
type: integer
credibility.customer.pending_orders
description: The number of orders with outstanding payments for the customer.
type: integer
credibility.repeat_customer
description: Whether an order with the same shipping_address and customer_info has been created before.
type: boolean
diverted
description: Whether the decision to accept or decline the risk was fully automated (default) or whether it skipped manual review and was declined:
true: description: The decision skipped manual review and was declined.false: description: The decision was fully automated.
type: boolean
enriched_data
description: Data from the request, enriched with third-party data.
type: object
Attributes
enriched_data.billing_address
description: Enriched data based on the customer's billing address.
type: object
Attributes
enriched_data.billing_address.geocoding
description: Geocoding of the billing address.
type: object
Attributes
enriched_data.billing_address.geocoding.data
description: Geocoding data of the billing address.
type: array
enriched_data.billing_address.geocoding.valid
description: Whether the geocoding request was valid.
type: boolean
enriched_data.billing_address.post_nl
description:
type: object
Attributes
enriched_data.billing_address.post_nl.reason
description: A descriptor for the value of enriched_data.billing_address.post_nl.valid.
type: string
enriched_data.billing_address.post_nl.valid
description: Whether the address provided is valid.
type: string
enriched_data.external_providers
description:
type: object
Attributes
enriched_data.external_providers.is_used
description: Whether the data from this external risk assessor was used in the decision-making.
type: boolean
enriched_data.external_providers.provider
description: The name of the external risk assessor.
Fixed value: post_nl
type: string
enriched_data.external_providers.success
description: Whether the request to the external risk assessor was successful.
type: boolean
enriched_data.browser_info
description: Enriched data based on the customer's browser information.
type: object
Attributes
enriched_data.browser_info.fingerprint_uniqueness
description: A score from 0 to 100 indicating the uniqueness of the browser fingerprint.
A higher score indicates less commonality with historical data.
type: integer
enriched_data.browser_info.ip_address
description: Information about the customer's IP address.
type: object
Attributes
enriched_data.browser_info.ip_address_location
description: The location of the customer's IP address.
type: object
enriched_data.browser_info.ip_address_proxy_score
description: A score from 0.00-4.00 indicating the likelihood that the customer's IP address is an anonymous proxy, open proxy, or VPN.
type: integer
ip_address_proxy_score | Likelihood of fraud |
|---|---|
| 0.5 | 15% |
| 1.0 | 30% |
| 2.0 | 60% |
| 3.0+ | 90% |
For a corporate proxy or private IP, a proxyScore of 0 is returned.
For an invalid IP, an empty string is returned.
enriched_data.browser_info.time_zone_location
description: Locations that match the timezone of the browser information.
type: object
enriched_data.browser_info.user_agent_details
description: Enriched data based on the customer's user agent.
type: object
Attributes
enriched_data.browser_info.user_agent_details.browser
description: The web browser of the user agent.
type: string
enriched_data.browser_info.user_agent_details.browser_version
description: The web browser version of the user agent.
type: string
enriched_data.browser_info.user_agent_details.country
description: The country of the user agent.
type: string
enriched_data.browser_info.user_agent_details.device
description: The device type of the user agent.
type: enum
options: desktop, laptop, mobile
enriched_data.browser_info.user_agent_details.engine
description: The browser engine of the user agent.
type: string
enriched_data.browser_info.user_agent_details.engine_version
description: The browser engine version of the user agent.
type: string
enriched_data.browser_info.user_agent_details.language
description: The language of the browser's user interface.
type: enum
format: ISO 639-1
enriched_data.browser_info.user_agent_details.os
description: The operating system of the user agent.
type: string
enriched_data.browser_info.user_agent_details.robot
description: Whether the user agent is a registered crawler.
type: boolean
enriched_data.customer_info
description: Enriched data based on the customer_info.
type: object
Attributes
enriched_data.customer_info.email_details
description: Enriched data based on the customer's email address.
type: object
Attributes
enriched_data.customer_info.email_details.free
description: Whether the email domain is free to use.
type: boolean
enriched_data.customer_info.email_details.mx
description: Whether the domain has a registered mail server. See Wikipedia – MX record.
type: boolean
enriched_data.customer_info.email_details.quality
description: An assessment score of quality. Values range from 0 to 5. A higher score indicates lower risk.
type: integer
enriched_data.customer_info.phone_details
description: Enriched data based on the customer's phone number.
See Messagebird – Request an HLR.
type: object
Attributes
enriched_data.customer_info.phone_details.country
description: The country where the phone number is registered.
type: string
enriched_data.customer_info.phone_details.digit_repetition
description: A score for how may digits in the phone number are repeated. A higher score indicates less repetition.
type: integer
enriched_data.customer_info.phone_details.imsi
description: The international mobile subscriber identity (IMSI) of the phone number.
type: string
enriched_data.customer_info.phone_details.msisdn
description: The MSISDN of the phone number.
type: string
enriched_data.customer_info.phone_details.network
description: The combination of the mobile country code and mobile network code ("MCC/MNC tuple") associated with the phone number.
type: string
enriched_data.customer_info.phone_details.ported
description: Whether the phone number is ported.
type: boolean
enriched_data.customer_info.phone_details.roaming
description: Whether at the time of the request the phone number was connected to a mobile network other than its carrier (i.e. the phone number is roaming).
type: boolean
enriched_data.customer_info.phone_details.status
description: The status of the phone number.
type: enum
options: absent, active, failed, sent, unknown
enriched_data.customer_info.phone_details.valid
description: Whether the request to enrich the phone number data was valid.
type: boolean
enriched_data.customer_info.phone_details.location
description: Enriched location data of the phone number.
type: object
Attributes
enriched_data.customer_info.phone_details.location.country
description: The country where the phone number is currently located.
type: string
enriched_data.customer_info.phone_details.location.msc
description: The mobile switching center of the phone number.
type: string
enriched_data.summary
description: A list of services used to enrich the data.
type: array of objects
Attributes
enriched_data.summary.provider
description: The name of the service used to enrich the data.
type: string
enriched_data.summary.success
description: Whether the request was successful. False means insufficient data is available for enrichment.
type: boolean
id
description: The identifier of the PAD CCS request.
When you create an invoice order, specify the identifier as gateway_info.ccs_id.
type: string
external_providers
description: Raw data from external risk assessors.
type: array of objects
Attributes
external_providers.data
description: Data received from Experian.
type: object
Attributes
external_providers.data.E-COMMERCESCORE
description: Data associated with Experian's ecommerce score.
For Experian's documentation and full list of search keys, see Experian – Manual e-Commerce Check V3.3.
type: object
Attributes
external_providers.data.E-COMMERCESCORE.ADDRESSEXISTS
description: The reliability of the address data supplied.
type: enum
external_providers.data.E-COMMERCESCORE.BANKRUPTCYONADDRESS_MATCHKEYN
description: Whether bankruptcy was found at the address on search key N.
type: enum
external_providers.data.E-COMMERCESCORE.BANKRUPTCYONADDRESS_MATCHKEYO
description: Whether bankruptcy was found at the address on search key O.
type: enum
external_providers.data.E-COMMERCESCORE.BANKRUPTCYONPERSON_MATCHKEYF
description: Whether bankruptcy was found at the address on search key F.
type: enum
external_providers.data.E-COMMERCESCORE.BANKRUPTCYONPERSON_MATCHKEYG
description: Whether bankruptcy was found at the address on search key G.
type: enum
external_providers.data.E-COMMERCESCORE.BANKRUPTCYONPERSON_MATCHKEYH
description: Whether bankruptcy was found at the address on search key H.
type: enum
external_providers.data.E-COMMERCESCORE.CAPS30DAYS
description: The number of subscription applications to telecom providers in the last 30 days before the check. description: The greater the number of requests to telecom providers, the greater the default risk.
type: string
external_providers.data.E-COMMERCESCORE.DAYSATADDRESS
description: The number of days that the customer's name has been recognised at the address. description: The longer the customer has been recognised at the address, the lower the payment risk. Note: If the customer is not recognised at the address, the value is -999.
type: string
external_providers.data.E-COMMERCESCORE.DECEASEDNODAYS
description: The number of days since the customer's death.
type: string
external_providers.data.E-COMMERCESCORE.DECEASEDONPERSON_MATCHKEY_F
description: Whether the person is registered as deceased on search key F.
type: string
external_providers.data.E-COMMERCESCORE.DECEASEDONPERSON_MATCHKEY_G
description: Whether the person is registered as deceased on search key G.
type: string
external_providers.data.E-COMMERCESCORE.DECEASEDONPERSON_MATCHKEY_H
description: Whether the person is registered as deceased on search key H.
type: string
external_providers.data.E-COMMERCESCORE.DECEASEDONADDRESS_MATCHKEY_N
description: Whether the person is registered as deceased on search key N.
type: enum
external_providers.data.E-COMMERCESCORE.DECEASEDONADDRESS_MATCHKEY_O
description: Whether the person is registered as deceased on search key O.
type: enum
external_providers.data.E-COMMERCESCORE.ECOMMERCESCORE
description: A score that predicts the customer's credit-worthiness in the ecommerce market.
The score is between 0 and 1018. The higher the score, the lower the likelihood of default.
The relative risk rate is the relative chance of default between two score bands, i.e. the ratio compared to the highest score band.
Example: Applications in score band 0-741 have more than 40 times chance of default compared to applications in score band 994-1018.
Scores up to 741 are considered high-risk applications.
type: string
external_providers.data.E-COMMERCESCORE.ERRORCODE
description: Whether an error occured in the Experian assessment.
type: string
external_providers.data.E-COMMERCESCORE.ERRORDESCRIPTION
description: If relevant, a descriptor for the error.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYBANKRUPTCYONADDRESSN
description: The number of personal bankruptcies in the last 18 months on search key N.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYBANKRUPTCYONPERSONB
description: The number of personal bankruptcies in the last 18 months on search key B.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYBANKRUPTCYONPERSONG
description: The number of personal bankruptcies in the last 18 months on search key G.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYIDENTITYFOUNDA
description: The number of times that an identity (name, address, city, phone number and/or date of birth) with search key A appears in Experian's data sources.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYIDENTITYFOUNDB
description: The number of times that an identity (name, address, city, phone number and/or date of birth) with search key B appears in Experian's data sources.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYIDENTITYFOUNDC
description: The number of times that an identity (name, address, city, phone number and/or date of birth) with search key C appears in Experian's data sources.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYIDENTITYFOUNDD
description: The number of times that an identity (name, address, city, phone number and/or date of birth) with search key D appears in Experian's data sources.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYIDENTITYFOUNDE
description: The number of times that an identity (name, address, city, phone number and/or date of birth) with search key E appears in Experian's data sources.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYIDENTITYFOUNDF
description: The number of times that an identity (name, address, city, phone number and/or date of birth) with search key F appears in Experian's data sources.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYIDENTITYFOUNDG
description: The number of times that an identity (name, address, city, phone number and/or date of birth) with search key G appears in Experian's data sources.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYIDENTITYFOUNDH
description: The number of times that an identity (name, address, city, phone number and/or date of birth) with search key H appears in Experian's data sources.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYIDENTITYFOUNDI
description: The number of times that an identity (name, address, city, phone number and/or date of birth) with search key I appears in Experian's data sources.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYIDENTITYFOUNDJ
description: The number of times that an identity (name, address, city, phone number and/or date of birth) with search key J appears in Experian's data sources.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYIDENTITYFOUNDK
description: The number of times that an identity (name, address, city, phone number and/or date of birth) with search key K appears in Experian's data sources.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYIDENTITYFOUNDL
description: The number of times that an identity (name, address, city, phone number and/or date of birth) with search key L appears in Experian's data sources.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYIDENTITYFOUNDM
description: The number of times that an identity (name, address, city, phone number and/or date of birth) with search key M appears in Experian's data sources.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYNEGATIVEREGISTRATIONSADDRESSN
description: The number of debt collection registrations with search key N.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYNEGATIVEREGISTRATIONSPERSONB
description: The number of debt collection registrations with search key B.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYNEGATIVEREGISTRATIONSPERSONC
description: The number of debt collection registrations with search key C.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYNEGATIVEREGISTRATIONSPERSONE
description: The number of debt collection registrations with search key E.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYNEGATIVEREGISTRATIONSPERSONG
description: The number of debt collection registrations with search key G.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYNEGATIVEREGISTRATIONSPERSONH
description: The number of debt collection registrations with search key H.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYNEGATIVEREGISTRATIONSPERSONJ
description: The number of debt collection registrations with search key J.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYPAYMENTSONADDRESSN
description: The number of payments from this address in the last 18 months. This is positive data; a customer has had a product delivered and paid for it.
type: string
external_providers.data.E-COMMERCESCORE.FREQUENCYPAYMENTSONINDIVIDUALJ
description: The number of payments found for the customer in the last 18 months. This is positive data; a customer has had a product delivered and paid for it.
type: string
external_providers.data.E-COMMERCESCORE.HIGHRISKADDRESS
description: The risk associated with the address.
type: string
external_providers.data.E-COMMERCESCORE.HIGHRISKAREA
description: The risk associated with the ZIP code.
The default level is expressed per ZIP code area as a fraction.
The number of people with a negative registration divided by the number of households.
Example: There are five people with a negative registration at ZIP code 1012 RX and there are 20 households. The value is 0.25 (5/20).
type: string
external_providers.data.E-COMMERCESCORE.IDENTITYFOUND
description: Whether the combination of the customer name and address appears in Experian's data sources.
type: string
external_providers.data.E-COMMERCESCORE.MOSAICINCOMECLASS
description: An estimate of the income of the head of the household.
-
0: Unknown -
1: Below average -
2: Average -
3: 1.5 times the average -
4: Twice the average -
5: More than twice the average
type: string
external_providers.data.E-COMMERCESCORE.NAMEFOUND
description: Whether the customer's last name appears in Experian's sources.
type: string
external_providers.data.E-COMMERCESCORE.NAMEONADDRESS
description: Whether the name and address together appear in Experian's data sources.
type: string
external_providers.data.E-COMMERCESCORE.NEGATIVEDATAFLAG
description: Whether negative data is found for the customer or address.
0: No negative data found1: Negative data for post code found2: Negative data for address found3: Negative data for customer found
type: string
external_providers.data.E-COMMERCESCORE.NEGATIVEREGISTRATIONSADDRESS
description: The number of debt collection registrations Experian found at the address in the last 18 months.
type: string
external_providers.data.E-COMMERCESCORE.NEGATIVEREGISTRATIONSPERSON
description: The number of debt collection registrations Experian found for the customer in the last 18 months.
type: string
external_providers.data.E-COMMERCESCORE.PAYMENTSONADDRESS
description: Whether payments have been made from the address.
type: string
external_providers.data.E-COMMERCESCORE.PAYMENTSONINDIVIDUAL
description: Whether payments have been made by the customer name and address combination.
type: string
external_providers.data.E-COMMERCESCORE.PROOFPLUS16
description: If known, whether the customer is 16 years or older.
type: string
options: Y, N, Unknown
external_providers.data.E-COMMERCESCORE.PROOFPLUS18
description: If known, whether the person is 18 years or older.
type: string
options: Y, N, Unknown
external_providers.data.E-COMMERCESCORE.PROPERTYVALUECLASS
description: The valuation of the dwelling at the address supplied according to the Dutch Valuation of Immovable Property Act.
There are 45 defined value classes:
| Class | Lower border | Upper border |
|---|---|---|
| 1 | 0 | 50.000 |
| 2 | 25.000 | 75.000 |
| 3 | 50.000 | 100.000 |
| 4 | 75.000 | 125.000 |
| 5 | 100.000 | 150.000 |
| 6 | 125.000 | 175.000 |
| 7 | 150.000 | 200.000 |
| 8 | 175.000 | 225.000 |
| 9 | 200.000 | 250.000 |
| 10 | 225.000 | 275.000 |
| 11 | 250.000 | 325.000 |
| 12 | 275.000 | 350.000 |
| 13 | 325.000 | 400.000 |
| 14 | 350.000 | 450.000 |
| 15 | 400.000 | 500.000 |
| 16 | 450.000 | 575.000 |
| 17 | 500.000 | 625.000 |
| 18 | 575.000 | 725.000 |
| 19 | 625.000 | 775.000 |
| 20 | 725.000 | 900.000 |
| 21 | 775.000 | 950.000 |
| 22 | 900.000 | 1.100.000 |
| 23 | 950.000 | 1.175.000 |
| 24 | 1.100.000 | 1.350.000 |
| 25 | 1.175.000 | 1.450.000 |
| 26 | 1.350.000 | 1.650.000 |
| 27 | 1.450.000 | 1.800.000 |
| 28 | 1.650.000 | 2.050.000 |
| 29 | 1.800.000 | 2.200.000 |
| 30 | 2.050.000 | 2.500.000 |
| 31 | 2.200.000 | 2.700.000 |
| 32 | 2.500.000 | 3.050.000 |
| 33 | 2.700.000 | 3.300.000 |
| 34 | 3.050.000 | 3.700.000 |
| 35 | 3.300.300 | 4.000.000 |
| 36 | 3.700.000 | 4.500.000 |
| 37 | 4.000.000 | 4.900.000 |
| 38 | 4.500.000 | 5.500.000 |
| 39 | 4.900.000 | 6.000.000 |
| 40 | 5.500.000 | 6.700.000 |
| 41 | 6.000.000 | 7.300.000 |
| 42 | 6.700.000 | 8.200.000 |
| 43 | 7.300.000 | 9.000.000 |
| 44 | 8.200.000 | 10.000.000 |
| 45 | 10.000.000 | - |
type: string
external_providers.data.E-COMMERCESCORE.SURSEANCENODAYS
description: The number of days since the most recent surseance (suspension of payment) file was opened or closed.
type: string
external_providers.data.E-COMMERCESCORE.SURSEANCEONADDRESS_MATCHKEY_F
description: Whether someone registered at the address is in suspension of payment on search key F.
type: string
external_providers.data.E-COMMERCESCORE.SURSEANCEONADDRESS_MATCHKEY_G
description: Whether someone registered at the address is in suspension of payment on search key G.
type: string
external_providers.data.E-COMMERCESCORE.SURSEANCEONADDRESS_MATCHKEY_H
description: Whether someone registered at the address is in suspension of payment on search key H.
type: string
external_providers.data.E-COMMERCESCORE.SURSEANCEONADDRESS_MATCHKEY_N
description: Whether someone registered at the address is in suspension of payment on search key N.
type: string
external_providers.data.E-COMMERCESCORE.SURSEANCEONADDRESS_MATCHKEY_O
description: Whether someone registered at the address is in suspension of payment on search key O.
type: string
external_providers.data.E-COMMERCESCORE.TELCOARREARSTATUS
description: The payment status of the customer with their phone provider.
Unknown: There is no information available at ExperianGood: There is an ongoing contract without arrearsClosed: The contract is terminated without defaultArrear: The contract is terminated with an outstanding debt
type: string
external_providers.data.E-COMMERCESCORE.TELCOARREAR_DATE_MKJ
description: The date of the last registered Telco Arrear Status found on search key J.
type: string
format: YYYYMMDD
external_providers.data.E-COMMERCESCORE.TELEPHONEONADDRESS
description: Whether the telephone number the customer supplied with their application is registered at the address provided.
options: Y, N
type: string
external_providers.data.E-COMMERCESCORE.TENURE
description: Code indicating the ownership of the dwelling at the address supplied.
options:
0: Unknown1: Dwelling is privately owned (private housing)2: Dwelling is rented (rented accommodation)3: Other (private rent, second home)
Note: Code 1 does not necessarily mean that the person in question is the owner of the dwelling. description: The code only indicates that the dwelling at the address is private housing.
type: string
external_providers.data.E-COMMERCESCORE.TYPEOFRESIDENCE
description: A four-figure number which indicates the type (use) of the dwelling/building at the address supplied. For all options, see Experian – Manual e-Commerce Check V3.3.
type: string
external_providers.data.E-COMMERCESCORE.WSNPNODAYS
description: The number of days since the most recent WSNP (debt settlement) file was opened or closed.
type: string
external_providers.data.E-COMMERCESCORE.WSNPONPERSON_MATCHKEY_F
description: Whether the person on search key F is registered in the WSNP (debt settlement).
type: string
options: Y, N
external_providers.data.E-COMMERCESCORE.WSNPONPERSON_MATCHKEY_G
description: Whether the person on search key G is registered in the WSNP (debt settlement).
type: string
options: Y, N
external_providers.data.E-COMMERCESCORE.WSNPONPERSON_MATCHKEY_H
description: Whether the person on search key H is registered in the WSNP (debt settlement).
type: string
options: Y, N
external_providers.data.E-COMMERCESCORE.WSNPONADDRESS_MATCHKEY_N
description: Whether a person registered at the address on search key N is registered in the WSNP (debt settlement).
type: string
options: Y, N
external_providers.data.E-COMMERCESCORE.WSNPONADDRESS_MATCHKEY_O
description: Whether a person registered at the address on search key O is registered in the WSNP (debt settlement).
type: string
options: Y, N
external_providers.data.GUARDIANSHIP
description: Data associated with Experian's guardianship scoring.
For Experian's full documentation and their full list of search keys, see Experian – Manual e-Commerce Check V3.3.
type: object
Attributes
external_providers.data.GUARDIANSHIP.GUARDIANSHIPERRORCODE
description: Whether the response is successful.
-
0: Failed response -
1: Successful response
type: enum
external_providers.data.GUARDIANSHIP.GUARDIANSHIPONPERSON_MATCHKEYB
description: Whether the person on search key B has been placed under guardianship.
options: Y, N
type: string
external_providers.data.GUARDIANSHIP.GUARDIANSHIPERRORCODEDESC
description: If relevant, a descriptor for the error.
type: string
external_providers.data.GUARDIANSHIP.GUARDIANSHIPONPERSON_MATCHKEYG
description: Whether the person on search key G has been placed under guardianship.
options: Y, N
type: string
external_providers.provider
description: The name of the external risk provider.
Fixed value: experian
type: string
external_providers.success
description: Whether the request to the external risk provider was successful.
type: string
merchant_statistics
description: Details and settings of the affiliated merchant associated to the request.
type: object
Attributes
merchant_statistics.allowed_countries
description: The countries in which the affiliated merchant is permitted to accept payments.
type: array
merchant_statistics.average_basked_amount
description: The average past order value (in eurocents) of the affiliated merchant.
type: integer
merchant_statistics.first_transaction_max_amount
description: The maximum order value (in eurocents) for first-time customers of the affiliated merchant.
type: integer
merchant_statistics.first_transaction_max_proc_average
description: The percentage by which order values may exceed the maximum order value (in eurocents) for first-time customers, depending on the assessed risk.
type: integer
merchant_statistics.max_age
description: The maximum age for customers of the affiliated merchant.
type: integer
merchant_statistics.max_amount
description: The maximum order value (in eurocents) for first-time customers of the affiliated merchant.
type: integer
merchant_statistics.merchant_risk_level
description: The merchant risk level of the affiliated merchant. Risk levels range from 0 to 10. Higher risk levels inflict stricter fraud filtering.
type: integer
merchant_statistics.min_age
description: The minimum age for customers of the affiliated merchant.
type: integer
merchant_statistics.min_amount
description: The minimum order value (in eurocents) of the affiliated merchant.
type: integer
merchant_statistics.open_transaction_amount
description: The total value (in eurocents) of outstanding payments for the affiliated merchant.
type: integer
merchant_statistics.open_transaction_count
description: The number of outstanding payments for the affiliated merchant.
type: integer
reasoning
description: A list of recommendations based on internal and external risk assessments.
type: array of objects
Attributes
reasoning.code type: enum
description: The code of the ruleset that has been triggered during the risk assessment.
The rules have weights that may vary based on the merchant's site risk level.
A higher weight indicates more influence on the overall score.
Attributes
code | Type | Description | Weight |
|---|---|---|---|
100 | Location | Shipping country validity | |
101 | Customer | Phone number formatting validity | |
102 | Customer | Birth day formatting validity | |
103 | Customer | Age validity | |
104 | Order | Order amount validity | |
106 | Location | Zipcode validity | |
109 | Location | Apartment validity | |
111 | Location | Browser IP address validity versus Shipping address | |
113 | Location | Apartment and zipcode validity | |
116 | Location | Billing and shipping address are equal.{{< br >}} Note: Differences are currently not supported. | |
199 | Stoplist | Blacklist hit | |
301 | Experian | Experian ecommerce score too low | |
302 | Experian | Experian ecommerce score lower boundary | |
303 | Experian | Experian no result | |
304 | Algorithm | High risk residence type | |
305 | Algorithm | High risk address exists | |
306 | Algorithm | Fraud alert - No address match on customer and negative registration on both customer and address. | High |
307 | Algorithm | Only for mechant risk level < 5. High risk - No address match on customer and low income class. | Medium - depending on merchant risk appetite |
308 | Algorithm | High risk - Negative registration on address or Negative registration on person combined with a high risk area. Can be combined with low email quality score. | Medium / high - depending on merchant risk appetite. If email quality score is low: high |
309 | Algorithm | High risk - Negative registration on both address and the customer. combined with high risk area and low email quality | High |
310 | Algorithm | High risk area combined with high volume of identity found. Can be combined with negative registration on both person and address. | Medium / high - depending on merchant risk appetite. If combined with negative registration: high |
311 | Algorithm | High risk - area too high risk | High |
312 | Algorithm | High volume of identity found | Low |
313 | Algorithm | High risk - bankruptcy declared on person | High |
314 | Algorithm | High risk - Order value is higher than average first order value and there are negative registrations on either address or person. | Medium / high - depending on merchant risk appetite |
315 | Algorithm | Only for merchant risk level > 7. No address match on customer and no previous valid history. | |
316 | Algorithm | Only for merchant risk level > 7. Negative registrations on address and or customer. | High |
317 | Algorithm | High risk - Negative registrations on customer with high accuracy. | High |
318 | Algorithm | High risk - Negative registrations on customer with high accuracy and high order amount | High |
319 | Algorithm | Negative registration on person with high accuracy | |
320 | Algorithm | Low customer accuracy and and risk on income class. | High |
322 | Algorithm | High risk - Arreas on customer. | High |
323 | Algorithm | Activity on bankruptcy case. Check order amount and other arreas. | |
324 | Algorithm | Potential match on debt write off | Low |
325 | Algorithm | Fraud alert High accuracy on customer being deceased. | High |
327 | Algorithm | Medium accuracy on customer with high volume of negative registrations. | |
333 | Algorithm | Medium amount and medium Experian score and low accuracy on customer. | |
600 | Algorithm | Repeating Customer. | |
601 | Algorithm | Customer credibility: has pending orders. | |
603 | Algorithm | Customer credibility: has paid orders. | |
605 | Algorithm | Customer credibility: last order is completed. | |
606 | Algorithm | Customer credibility: last order amount is higher than current. | |
607 | Algorithm | Customer credibility: debt history. | |
621 | Algorithm | Address credibility: has pending orders | |
623 | Algorithm | Address credibility: has paid orders | |
625 | Algorithm | Address credibility: last order is completed | |
626 | Algorithm | Address credibility: last order amount is higher than current | |
627 | Algorithm | Address credibility: debt history |
reasoning.reason
description: Descriptor for the score.
type: string
reasoning.score
description: A score from 0 to 1000.
type: integer
reasoning.type
description: Sign of the reasoning.score.
- Score
500and typenegativemeans-500. - Score
800and typepositivemeans800.
A higher score indicates a lower assessed risk.
type: enum
score
description: A number from 0 to 1000 indicating the overall score of the risk assessment.
A higher score indicates a lower assessed risk.
type: integer
stop_lists
description: A list of responses from stoplist providers.
type: array of objects
Attributes
stop_lists.data
description: The data returned from the stoplists.provider.
If this array is empty, the stoplist has not been triggered.
For more information about triggering stoplists, see Trigger stoplists.
type: array of objects
options: blacklist_address, blacklist_country, blacklist_email, blacklist_ip
Provider responses
blacklist_address, blacklist_country, blacklist_email, blacklist_ip
The response format is the same for providers.
stop_lists.data.description
description: A description of why the request triggered a stoplist alert.
type: string
stop_lists.data.id
type: string
NET
stop_lists.data.added
description: The place of birth.
type: string
stop_lists.data.alias
description: Any aliases for the stoplist entry.
type: string
stop_lists.data.dob
description: The date of birth.
type: string
format: YYYY-MM-DD
stop_lists.data.first_name
description: The first name in the stoplist entry.
type: string
stop_lists.data.last_name
description: The last name in the stoplist entry.
type: string
stop_lists.data.published
description: The date of ministerial decision.
format: DD-MM-YYYY
type: string
stop_lists.data.uid
description:
type: integer
CCBR
stop_lists.data.Geregistreerde
type: string
Geboorte
description: The birth record details.
stop_lists.data.Geregistreerde.Geboorte.BuitenlandsePlaats
description: Whether the birthplace is in the Netherlands.
type: boolean
stop_lists.data.Geregistreerde.Geboorte.Datum
description: The date of birth.
type: string
format: ISO-8601
stop_lists.data.Geregistreerde.Geboorte.Jaar
description: The year of birth.
type: string
format: YYYY
stop_lists.data.Geregistreerde.Geboorte.Land
description: The country of birth.
type: string
stop_lists.data.Geregistreerde.Geboorte.Woonplaats
description: The place of birth.
type: string
SamengesteldeNaam
stop_lists.data.Geregistreerde.SamengestedldeNaam.Geslachtsnaam
description: The last name in the stoplist entry.
type: string
stop_lists.data.Geregistreerde.SamengestedldeNaam.Voornamen
description: The first names in the stoplist entry.
type: string
stop_lists.data.Geregistreerde.SamengestedldeNaam.Voorvoegsel
description: The surname prefix in the stoplist entry, if applicable.
type: string
stop_lists.data.HonderdProcentMatch
description: Whether the last name and date of birth are a perfect match to the registry entry (registerkaart).
type: boolean
stop_lists.data.Registerkaartidentificatie
description: Details about the registry entry (registerkaart).
type: string
Registerkaartidentificatie
stop_lists.data.Registerkaartidentificatie.RegisterkaartAanduiding
description: The validation code that can be used to prove the authenticity of the entry (validatiecode).
type: string
stop_lists.data.Registerkaartidentificatie.RegisterkaartIndentificatieCode
description: The registry entry number (registerkaartnummer).
type: string
stop_lists.data.SoortRegister
description:
type: string
PEP
stop_lists.data.additional_information
description: A string containing additional information for the stoplist entry.
type: string
stop_lists.data.alternative_script
description: A string containing the stoplist entry name in non-roman characters.
type: object
stop_lists.data.category
description: The category of PEP.
type: string
stop_lists.data.country
description: The country of birth.
type: string
stop_lists.data.country_of_activity
description: The country of activity.
type: string
stop_lists.data.country_of_origin
description: The country of origin.
type: string
stop_lists.data.date_not_in_charge_since
description: The date the stoplist entry stopped being a PEP. If empty, they are currently a PEP.
type: string
stop_lists.data.dob
description: The date of birth.
type: string
format: YYYY-MM-DD
stop_lists.data.expeps
description: Whether the stoplist entry is a former PEP.
type: boolean
stop_lists.data.first_name
description: The first name in the stoplist entry.
type: string
stop_lists.data.full_name
description: The full name in the stoplist entry.
type: string
stop_lists.data.function
description: The general job function of the stoplist entry.
type: string
stop_lists.data.gender
description: The gender in the stoplist entry.
type: string
stop_lists.data.id
description: The PEP ID of the stoplist entry.
type: string
stop_lists.data.last_name
description: The last name in the stoplist entry.
type: string
stop_lists.data.other_names
Any other names in the stoplist entry.
type: string
stop_lists.data.pob
description: The place of birth.
type: string
stop_lists.data.record_type
description:
type: string
stop_lists.data.relative_id
description: The relative PEP ID of the stoplist entry.
type: string
stop_lists.data.specificfunction
description: The job title of the stoplist entry.
type: string
stop_lists.data.title
description: The personal title of the stoplist entry.
type: string
CIR
stop_lists.data.addressen
description: The address details of the stoplist entry.
type: object
Attributes
stop_lists.data.addressen.adres
description:
type: object
-
stop_lists.data.addressen.adres.adresType
description: The address type.
type: object -
stop_lists.data.addressen.adres.datumBegin
description: The date that the person began living at this address.
type: object -
stop_lists.data.addressen.adres.huisnummer
description: The house number.
type: object -
stop_lists.data.addressen.adres.plaats
description: The town.
type: object -
stop_lists.data.addressen.adres.postcode
description: The post code.
type: object -
stop_lists.data.addressen.adres.straat
description: The street name.
type: object
stop_lists.data.addressen.geheimAdres
description:
type: boolean
stop_lists.data.behandelendeInstantieCode
description: The instance code.
type: string
stop_lists.data.behandelendeInstantieNaam
description: The court of law.
type: string
stop_lists.data.behandelendeVestigingCode
description: The location code.
type: string
stop_lists.data.behandelendeVestigingNaam
description: The receiver name.
type: string
stop_lists.data.cbvers
description: The receiver details.
type: string
Attributes
stop_lists.data.cbvers.CB
description:
type: string
stop_lists.data.cbvers.achternaam
description: The receiver surname.
type: string
stop_lists.data.cbvers.adres
description: The receiver address details.
type: string
stop_lists.data.cbvers.datumBegin
description: The receiver start date.
type: string
stop_lists.data.cbvers.datumEind
description: The receiver end date.
type: string
stop_lists.data.insolventienummer
description: The insolvency reference number.
type: string
stop_lists.data.isPreHGKGepubliceerd
description: Whether published before judicial review (Herziening Gerechtelijke Kaart (HGK)).
type: boolean
stop_lists.data.persoon
description: The personal details of the stoplist entry.
type: object
Attributes
stop_lists.data.persoon.achternaam
description: The last name.
type: string
stop_lists.data.persoon.geboortedatum
description: The date of birth.
type: string
format: YYYY-MM-DD
stop_lists.data.persoon.geboorteplaats
description: The place of birth.
type: string
stop_lists.data.persoon.rechtspersoonlijkheid
description: The legal status.
type: string
stop_lists.data.persoon.voornaam
description: The first name.
type: string
stop_lists.data.persoon.voorvoegsel
description: The surname prefix, if applicable.
type: string
stop_lists.data.preHGKInsolventienummer
description: The insolvency reference number before judicial review (Herziening Gerechtelijke Kaart (HGK)).
type: string
stop_lists.data.publicatiegeschiedenis
description: Information about the publication history.
type: string
Attributes
stop_lists.data.publicatiegeschiedenis.instroomLegacy
description:
type: boolean
stop_lists.data.publicatiegeschiedenis.publicatie
description: The publication entries.
type: object
-
stop_lists.data.publicatiegeschiedenis.publicatie.publicatieDatum
description: The date of publication.
type: string
format: YYYY-MM-DD -
stop_lists.data.publicatiegeschiedenis.publicatie.publicatieKenmerk
description: The publication reference (attribute).
type: string -
stop_lists.data.publicatiegeschiedenis.publicatie.publicatieOmschrijving
description: The publication description.
type: string -
stop_lists.data.publicatiegeschiedenis.publicatie.publicatieSoortCode
description:
type: string -
stop_lists.data.publicatiegeschiedenis.publicatie.publicatieInstantieCode
description: The instance code.
type: string
stop_lists.data.ssrNummer type: string
description: The debt settlement number (schuldsaneringsnummer).
stop_lists.provider
description: The stoplist provider.
type: enum
options: blacklist_address, blacklist_country, blacklist_email, blacklist_ip, ccbr, cir, net, pep
stop_lists.success
description: Whether a response was successfully received from the stoplist provider.
type: boolean
success
description: Whether the PAD CCS request was successful.
type: boolean
type
description: Whether the decision to accept or decline the risk was fully automated or whether it skipped manual review:
automatic: description: The decision was fully automated (default).manual: A rule that skips manual review (Uncleared order status) and goes straight to Declined.
Automatic response examples
Examples of automatic responses:
- Sample request
- blacklist_address
- blacklist_country
- blacklist_email
- blacklist_ip
- CCBR
- CIR
- PEP
- Experian ignored
Manual response examples
Examples of manual responses:
- High risk address
- Low Experian score
type: enum
Examples
{
"data": {
"accept": false,
"anomalies": [
{
"code": "225",
"reason": "{Description}",
"type": "repetition"
}
],
"credibility": {
"address": {
"avg_payment_days": null,
"credible": true,
"debt_history": [
{
"debt_status": "Uploaded",
"order_amount": 19000,
"order_created": "2021-11-02 17:20:58"
}
],
"last_order_amount": 0,
"last_order_date": null,
"last_order_status": null,
"origin": "new",
"paid_amount": 0,
"paid_orders": 0,
"pending_amount": 0,
"pending_orders": 0
},
"customer": {
"avg_payment_days": null,
"credible": true,
"debt_history": [
{
"debt_status": "Uploaded",
"order_amount": 26000,
"order_created": "2021-11-02 16:12:23"
}
],
"last_order_amount": 0,
"last_order_date": null,
"last_order_status": null,
"origin": "new",
"paid_amount": 0,
"paid_orders": 0,
"pending_amount": 0,
"pending_orders": 0
},
"repeat_customer": false
},
"diverted":"false",
"enriched_data": {
"billing_address": {
"geocoding": {
"data": [
{
"address_components": [
{
"long_name": "1",
"short_name": "1",
"types": [
"street_number"
]
},
{
"long_name": "Main Avenue",
"short_name": "Main Ave",
"types": [
"route"
]
},
{
"long_name": "Passaic",
"short_name": "Passaic",
"types": [
"locality",
"political"
]
},
{
"long_name": "Passaic County",
"short_name": "Passaic County",
"types": [
"administrative_area_level_2",
"political"
]
},
{
"long_name": "New Jersey",
"short_name": "NJ",
"types": [
"administrative_area_level_1",
"political"
]
},
{
"long_name": "United States",
"short_name": "US",
"types": [
"country",
"political"
]
},
{
"long_name": "07055",
"short_name": "07055",
"types": [
"postal_code"
]
}
],
"formatted_address": "1 Main Ave, Passaic, NJ 07055, USA",
"geometry": {
"bounds": {
"northeast": {
"lat": 40.8412877,
"lng": -74.1344687
},
"southwest": {
"lat": 40.8406289,
"lng": -74.1352856
}
},
"location": {
"lat": 40.8409789,
"lng": -74.1349149
},
"location_type": "ROOFTOP",
"viewport": {
"northeast": {
"lat": 40.8423072802915,
"lng": -74.1335281697085
},
"southwest": {
"lat": 40.8396093197085,
"lng": -74.1362261302915
}
}
},
"partial_match": true,
"place_id": "ChIJfaWptDD_wokRRxY_8p22L2o",
"types": [
"premise"
]
},
{
"address_components": [
{
"long_name": "Amsterdam",
"short_name": "Amsterdam",
"types": [
"locality",
"political"
]
},
{
"long_name": "Government of Amsterdam",
"short_name": "Government of Amsterdam",
"types": [
"administrative_area_level_2",
"political"
]
},
{
"long_name": "North Holland",
"short_name": "NH",
"types": [
"administrative_area_level_1",
"political"
]
},
{
"long_name": "Netherlands",
"short_name": "NL",
"types": [
"country",
"political"
]
}
],
"formatted_address": "Amsterdam, Netherlands",
"geometry": {
"bounds": {
"northeast": {
"lat": 52.4311573,
"lng": 5.0791619
},
"southwest": {
"lat": 52.278174,
"lng": 4.7287589
}
},
"location": {
"lat": 52.3675734,
"lng": 4.9041389
},
"location_type": "APPROXIMATE",
"viewport": {
"northeast": {
"lat": 52.4311573,
"lng": 5.0791619
},
"southwest": {
"lat": 52.278174,
"lng": 4.7287589
}
}
},
"partial_match": true,
"place_id": "ChIJVXealLU_xkcRja_At0z9AGY",
"types": [
"locality",
"political"
]
}
],
"valid": true
},
"post_nl": {
"reason": "Apartment not found in the zipcode.",
"valid": false
}
},
"browser_info": {
"fingerprint_uniqueness": 93,
"ip_address_location": {
"city": null,
"country": "AU"
},
"ip_address_proxy_score": 1,
"time_zone_location": {
"countries": [
"AD",
"AL",
"AQ",
"AT",
"BA",
"BE",
"BI",
"BW",
"CD",
"CH",
"CZ",
"DE",
"DK",
"EG",
"ES",
"FR",
"GI",
"HR",
"HU",
"IT",
"LI",
"LS",
"LU",
"LY",
"MC",
"ME",
"MK",
"MT",
"MW",
"MZ",
"NA",
"NL",
"NO",
"PL",
"RS",
"RU",
"RW",
"SD",
"SE",
"SI",
"SJ",
"SK",
"SM",
"SS",
"SZ",
"VA",
"ZA",
"ZM",
"ZW"
],
"names": [
"Africa/Blantyre",
"Africa/Bujumbura",
"Africa/Cairo",
"Africa/Ceuta",
"Africa/Gaborone",
"Africa/Harare",
"Africa/Johannesburg",
"Africa/Juba",
"Africa/Khartoum",
"Africa/Kigali",
"Africa/Lubumbashi",
"Africa/Lusaka",
"Africa/Maputo",
"Africa/Maseru",
"Africa/Mbabane",
"Africa/Tripoli",
"Africa/Windhoek",
"Antarctica/Troll",
"Arctic/Longyearbyen",
"Europe/Amsterdam",
"Europe/Andorra",
"Europe/Belgrade",
"Europe/Berlin",
"Europe/Bratislava",
"Europe/Brussels",
"Europe/Budapest",
"Europe/Busingen",
"Europe/Copenhagen",
"Europe/Gibraltar",
"Europe/Kaliningrad",
"Europe/Ljubljana",
"Europe/Luxembourg",
"Europe/Madrid",
"Europe/Malta",
"Europe/Monaco",
"Europe/Oslo",
"Europe/Paris",
"Europe/Podgorica",
"Europe/Prague",
"Europe/Rome",
"Europe/San_Marino",
"Europe/Sarajevo",
"Europe/Skopje",
"Europe/Stockholm",
"Europe/Tirane",
"Europe/Vaduz",
"Europe/Vatican",
"Europe/Vienna",
"Europe/Warsaw",
"Europe/Zagreb",
"Europe/Zurich"
]
},
"user_agent_details": {
"browser": "other",
"browser_version": "5.0",
"country": null,
"device": "desktop",
"engine": null,
"engine_version": "5.0",
"language": null,
"os": "windows",
"robot": false
}
},
"customer_info": {
"email_details": {
"free": false,
"mx": true,
"quality": 1
},
"phone_details": {
"country": null,
"digit_repetition": 100,
"imsi": null,
"msisdn": null,
"network": null,
"ported": false,
"roaming": false,
"status": null,
"valid": false
}
},
"summary": [
{
"provider": "internal",
"success": true
},
{
"provider": "messagebird",
"success": true
},
{
"provider": "google",
"success": true
},
{
"provider": "post_nl",
"success": true
}
]
},
"external_providers": [
{
"data": {
"E-COMMERCESCORE": {
"ADDRESSEXISTS": "4",
"BANKRUPTCYNODAYS": "0",
"BANKRUPTCYONADDRESS_MATCHKEYN": "N",
"BANKRUPTCYONADDRESS_MATCHKEYO": "N",
"BANKRUPTCYONPERSON_MATCHKEYF": "N",
"BANKRUPTCYONPERSON_MATCHKEYG": "N",
"BANKRUPTCYONPERSON_MATCHKEYH": "N",
"CAPS30DAYS": "1",
"DAYSATADDRESS": "615",
"DECEASEDNODAYS": "0",
"DECEASEDONADDRESS_MATCHKEY_N": "N",
"DECEASEDONADDRESS_MATCHKEY_O": "N",
"DECEASEDONPERSON_MATCHKEY_F": "N",
"DECEASEDONPERSON_MATCHKEY_G": "N",
"DECEASEDONPERSON_MATCHKEY_H": "N",
"ECOMMERCESCORE": "932",
"ERRORCODE": "0",
"ERRORDESCRIPTION": "",
"FREQUENCYBANKRUPTCYONADDRESSN": "0",
"FREQUENCYBANKRUPTCYONPERSONB": "0",
"FREQUENCYBANKRUPTCYONPERSONG": "0",
"FREQUENCYIDENTITYFOUNDA": "0",
"FREQUENCYIDENTITYFOUNDB": "0",
"FREQUENCYIDENTITYFOUNDC": "0",
"FREQUENCYIDENTITYFOUNDD": "0",
"FREQUENCYIDENTITYFOUNDE": "2",
"FREQUENCYIDENTITYFOUNDF": "2",
"FREQUENCYIDENTITYFOUNDG": "3",
"FREQUENCYIDENTITYFOUNDH": "2",
"FREQUENCYIDENTITYFOUNDI": "2",
"FREQUENCYIDENTITYFOUNDJ": "2",
"FREQUENCYIDENTITYFOUNDK": "0",
"FREQUENCYIDENTITYFOUNDL": "0",
"FREQUENCYIDENTITYFOUNDM": "0",
"FREQUENCYNEGATIVEREGISTRATIONSADDRESSN": "0",
"FREQUENCYNEGATIVEREGISTRATIONSPERSONB": "0",
"FREQUENCYNEGATIVEREGISTRATIONSPERSONC": "0",
"FREQUENCYNEGATIVEREGISTRATIONSPERSONE": "0",
"FREQUENCYNEGATIVEREGISTRATIONSPERSONG": "0",
"FREQUENCYNEGATIVEREGISTRATIONSPERSONH": "0",
"FREQUENCYNEGATIVEREGISTRATIONSPERSONJ": "0",
"FREQUENCYPAYMENTSONADDRESSN": "0",
"FREQUENCYPAYMENTSONINDIVIDUALJ": "0",
"HIGHRISKADDRESS": "false",
"HIGHRISKAREA": "0.21",
"IDENTITYFOUND": "Y",
"MOSAICINCOMECLASS": "5",
"MOSAICTYPE": "J",
"NAMEFOUND": "Y",
"NAMEONADDRESS": "Y",
"NEGATIVEDATAFLAG": "1",
"NEGATIVEREGISTRATIONSADDRESS": "N",
"NEGATIVEREGISTRATIONSPERSON": "N",
"PAYMENTSONADDRESS": "",
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"WSNPONADDRESS_MATCHKEY_N": "N",
"WSNPONADDRESS_MATCHKEY_O": "N",
"WSNPONPERSON_MATCHKEY_F": "N",
"WSNPONPERSON_MATCHKEY_G": "N",
"WSNPONPERSON_MATCHKEY_H": "N"
},
"GUARDIANSHIP": {
"GUARDIANSHIPERRORCODE": "0",
"GUARDIANSHIPERRORCODEDESC": "Guardianship check not available",
"GUARDIANSHIPONPERSON_MATCHKEYB": "",
"GUARDIANSHIPONPERSON_MATCHKEYG": ""
}
},
"is_used": true,
"provider": "experian",
"success": true
}
],
"id": "5d9a68c2-3320-11ec-81ad-662d088b9ad1",
"merchant_statistics": {
"allowed_countries": [
"NL"
],
"average_basket_amount": 9500,
"first_transaction_max_amount": null,
"first_transaction_max_proc_average": null,
"max_age": 85,
"max_amount": 500000,
"merchant_risk_level": 5,
"min_age": 18,
"min_amount": 100,
"open_transaction_amount": null,
"open_transaction_count": null
},
"reasoning": [
{
"code": "302",
"reason": "Experian result manual: 742",
"score": 100,
"type": "negative"
},
{
"code": "100",
"reason": "Country: Billing country is valid",
"score": 100,
"type": "positive"
},
{
"code": "101",
"reason": "Phone: No phone is required.",
"score": 0,
"type": "positive"
},
{
"code": "103",
"reason": "Age: Age is valid",
"score": 100,
"type": "positive"
},
{
"code": "113",
"reason": "Zipcode Apartment: Apartment not found in the zipcode.",
"score": 100,
"type": "negative"
},
{
"code": "116",
"reason": "Billing shipping address different: Addresses match.",
"score": 100,
"type": "positive"
},
{
"code": "120",
"reason": "Email quality: overall",
"score": 80,
"type": "negative"
},
{
"code": "121",
"reason": "Phone quality",
"score": 0,
"type": "negative"
},
{
"code": "124",
"reason": "Phone quality: valid",
"score": 100,
"type": "negative"
},
{
"code": "127",
"reason": "Billing address: geocoding",
"score": 100,
"type": "positive"
},
{
"code": "128",
"reason": "Browser info: fingerprint uniqueness",
"score": 93,
"type": "positive"
},
{
"code": "129",
"reason": "Browser info: city",
"score": 100,
"type": "negative"
},
{
"code": "199",
"reason": "Black list: blacklist_country",
"score": 100,
"type": "positive"
},
{
"code": "199",
"reason": "Black list: blacklist_ip",
"score": 100,
"type": "positive"
},
{
"code": "199",
"reason": "Black list: blacklist_email",
"score": 100,
"type": "positive"
},
{
"code": "199",
"reason": "Black list: blacklist_address",
"score": 100,
"type": "positive"
},
{
"code": "199",
"reason": "Black list: cir",
"score": 100,
"type": "positive"
},
{
"code": "199",
"reason": "Black list: pep",
"score": 100,
"type": "positive"
},
{
"code": "199",
"reason": "Black list: net",
"score": 100,
"type": "positive"
},
{
"code": "199",
"reason": "Black list: ccbr",
"score": 100,
"type": "positive"
}
],
"score": 662,
"stop_lists": [
{
"data": [],
"provider": "blacklist_country",
"success": true
},
{
"data": [],
"provider": "blacklist_ip",
"success": true
},
{
"data": [],
"provider": "blacklist_email",
"success": true
},
{
"data": [],
"provider": "blacklist_address",
"success": true
},
{
"data": [],
"provider": "cir",
"success": true
},
{
"data": [],
"provider": "pep",
"success": true
},
{
"data": [],
"provider": "net",
"success": true
},
{
"data": [],
"provider": "ccbr",
"success": true
}
],
"type": "manual"
},
"success": true
}
Blacklisting
{
"data": {
"accept": false,
"anomalies": [
{
"code": "225",
"reason": "{Description}",
"type": "anomaly"
}
],
"credibility": {
"address": {
"avg_payment_days": null,
"credible": true,
"debt_history": [],
"last_order_amount": 0,
"last_order_date": null,
"last_order_status": null,
"origin": "new",
"paid_amount": 0,
"paid_orders": 0,
"pending_amount": 0,
"pending_orders": 0
},
"customer": {
"avg_payment_days": 0,
"credible": true,
"debt_history": [],
"last_order_amount": 57000,
"last_order_date": "2020-03-03 14:26:53",
"last_order_status": "completed",
"origin": "new",
"paid_amount": 57000,
"paid_orders": 1,
"pending_amount": 0,
"pending_orders": 0
},
"repeat_customer": true
},
"diverted":"false",
"enriched_data": {
"billing_address": {
"geocoding": {
"data": [
{
"address_components": [
{
"long_name": "99",
"short_name": "99",
"types": [
"street_number"
]
},
{
"long_name": "test-string",
"short_name": "test-string",
"types": [
"route"
]
},
{
"long_name": "test-string",
"short_name": "test-string",
"types": [
"political",
"sublocality",
"sublocality_level_1"
]
},
{
"long_name": "test-string",
"short_name": "test-string",
"types": [
"locality",
"political"
]
},
{
"long_name": "test-string",
"short_name": "test-string",
"types": [
"administrative_area_level_2",
"political"
]
},
{
"long_name": "test-string",
"short_name": "test-string",
"types": [
"administrative_area_level_1",
"political"
]
},
{
"long_name": "test-string",
"short_name": "test-string",
"types": [
"country",
"political"
]
},
{
"long_name": "test-string",
"short_name": "test-string",
"types": [
"postal_code"
]
}
],
"formatted_address": "test-string",
"geometry": {
"location": {
"lat": 52.3868522,
"lng": 4.6408082
},
"location_type": "ROOFTOP",
"viewport": {
"northeast": {
"lat": 52.3882011802915,
"lng": 4.6421571802915
},
"southwest": {
"lat": 52.3855032197085,
"lng": 4.6394592197085
}
}
},
"place_id": "ChIJGftHF27vxUcRWLx21ON_M2M",
"plus_code": {
"compound_code": "test-string",
"global_code": "test-string"
},
"types": [
"street_address"
]
}
],
"valid": true
},
"post_nl": {
"reason": "Apartment not found in the zipcode.",
"valid": false
}
},
"browser_info": {
"fingerprint_uniqueness": 99,
"ip_address_location": {
"city": "test-string",
"country": "XX"
},
"ip_address_proxy_score": 0,
"time_zone_location": {
"countries": [
"AD",
"AL",
"AQ",
"AT",
"BA",
"BE",
"BI",
"BW",
"CD",
"CH",
"CZ",
"DE",
"DK",
"EG",
"ES",
"FR",
"GI",
"HR",
"HU",
"IT",
"LI",
"LS",
"LU",
"LY",
"MC",
"ME",
"MK",
"MT",
"MW",
"MZ",
"NA",
"NL",
"NO",
"PL",
"RS",
"RU",
"RW",
"SD",
"SE",
"SI",
"SJ",
"SK",
"SM",
"SS",
"SZ",
"VA",
"ZA",
"ZM",
"ZW"
],
"names": [
"Africa/Blantyre",
"Africa/Bujumbura",
"Africa/Cairo",
"Africa/Ceuta",
"Africa/Gaborone",
"Africa/Harare",
"Africa/Johannesburg",
"Africa/Juba",
"Africa/Khartoum",
"Africa/Kigali",
"Africa/Lubumbashi",
"Africa/Lusaka",
"Africa/Maputo",
"Africa/Maseru",
"Africa/Mbabane",
"Africa/Tripoli",
"Africa/Windhoek",
"Antarctica/Troll",
"Arctic/Longyearbyen",
"Europe/Amsterdam",
"Europe/Andorra",
"Europe/Belgrade",
"Europe/Berlin",
"Europe/Bratislava",
"Europe/Brussels",
"Europe/Budapest",
"Europe/Busingen",
"Europe/Copenhagen",
"Europe/Gibraltar",
"Europe/Kaliningrad",
"Europe/Ljubljana",
"Europe/Luxembourg",
"Europe/Madrid",
"Europe/Malta",
"Europe/Monaco",
"Europe/Oslo",
"Europe/Paris",
"Europe/Podgorica",
"Europe/Prague",
"Europe/Rome",
"Europe/San_Marino",
"Europe/Sarajevo",
"Europe/Skopje",
"Europe/Stockholm",
"Europe/Tirane",
"Europe/Vaduz",
"Europe/Vatican",
"Europe/Vienna",
"Europe/Warsaw",
"Europe/Zagreb",
"Europe/Zurich"
]
},
"user_agent_details": {
"browser": "chrome",
"browser_version": "93.0",
"country": null,
"device": "desktop",
"engine": "webkit",
"engine_version": "93.0",
"language": null,
"os": "mac",
"robot": false
}
},
"customer_info": {
"email_details": {
"free": false,
"mx": true,
"quality": 2
},
"phone_details": {
"country": "XX",
"digit_repetition": 100,
"imsi": "204080000000000",
"msisdn": "31653511576",
"network": "20408",
"ported": false,
"roaming": false,
"status": "active",
"valid": true
}
},
"summary": [
{
"provider": "post_nl",
"success": true
},
{
"provider": "google",
"success": true
},
{
"provider": "messagebird",
"success": true
},
{
"provider": "internal",
"success": true
}
]
},
"external_providers": [
{
"data": {
"E-COMMERCESCORE": {
"ADDRESSEXISTS": "4",
"BANKRUPTCYNODAYS": "0",
"BANKRUPTCYONADDRESS_MATCHKEYN": "N",
"BANKRUPTCYONADDRESS_MATCHKEYO": "N",
"BANKRUPTCYONPERSON_MATCHKEYF": "N",
"BANKRUPTCYONPERSON_MATCHKEYG": "N",
"BANKRUPTCYONPERSON_MATCHKEYH": "N",
"CAPS30DAYS": "1",
"DAYSATADDRESS": "615",
"DECEASEDNODAYS": "0",
"DECEASEDONADDRESS_MATCHKEY_N": "N",
"DECEASEDONADDRESS_MATCHKEY_O": "N",
"DECEASEDONPERSON_MATCHKEY_F": "N",
"DECEASEDONPERSON_MATCHKEY_G": "N",
"DECEASEDONPERSON_MATCHKEY_H": "N",
"ECOMMERCESCORE": "932",
"ERRORCODE": "0",
"ERRORDESCRIPTION": "",
"FREQUENCYBANKRUPTCYONADDRESSN": "0",
"FREQUENCYBANKRUPTCYONPERSONB": "0",
"FREQUENCYBANKRUPTCYONPERSONG": "0",
"FREQUENCYIDENTITYFOUNDA": "0",
"FREQUENCYIDENTITYFOUNDB": "0",
"FREQUENCYIDENTITYFOUNDC": "0",
"FREQUENCYIDENTITYFOUNDD": "0",
"FREQUENCYIDENTITYFOUNDE": "2",
"FREQUENCYIDENTITYFOUNDF": "2",
"FREQUENCYIDENTITYFOUNDG": "3",
"FREQUENCYIDENTITYFOUNDH": "2",
"FREQUENCYIDENTITYFOUNDI": "2",
"FREQUENCYIDENTITYFOUNDJ": "2",
"FREQUENCYIDENTITYFOUNDK": "0",
"FREQUENCYIDENTITYFOUNDL": "0",
"FREQUENCYIDENTITYFOUNDM": "0",
"FREQUENCYNEGATIVEREGISTRATIONSADDRESSN": "0",
"FREQUENCYNEGATIVEREGISTRATIONSPERSONB": "0",
"FREQUENCYNEGATIVEREGISTRATIONSPERSONC": "0",
"FREQUENCYNEGATIVEREGISTRATIONSPERSONE": "0",
"FREQUENCYNEGATIVEREGISTRATIONSPERSONG": "0",
"FREQUENCYNEGATIVEREGISTRATIONSPERSONH": "0",
"FREQUENCYNEGATIVEREGISTRATIONSPERSONJ": "0",
"FREQUENCYPAYMENTSONADDRESSN": "0",
"FREQUENCYPAYMENTSONINDIVIDUALJ": "0",
"HIGHRISKADDRESS": "false",
"HIGHRISKAREA": "0.21",
"IDENTITYFOUND": "Y",
"MOSAICINCOMECLASS": "5",
"MOSAICTYPE": "J",
"NAMEFOUND": "Y",
"NAMEONADDRESS": "Y",
"NEGATIVEDATAFLAG": "1",
"NEGATIVEREGISTRATIONSADDRESS": "N",
"NEGATIVEREGISTRATIONSPERSON": "N",
"PAYMENTSONADDRESS": "",
"PAYMENTSONINDIVIDUAL": "",
"PROOFPLUS16": "Y",
"PROOFPLUS18": "Y",
"PROPERTYVALUECLASS": "13",
"SURSEANCENODAYS": "0",
"SURSEANCEONADDRESS_MATCHKEY_N": "N",
"SURSEANCEONADDRESS_MATCHKEY_O": "N",
"SURSEANCEONPERSON_MATCHKEY_F": "N",
"SURSEANCEONPERSON_MATCHKEY_G": "N",
"SURSEANCEONPERSON_MATCHKEY_H": "N",
"TELCOARREARSTATUS": "Unknown",
"TELCOARREAR_DATE_MKJ": "",
"TELEPHONEONADDRESS": "N",
"TENURE": "1",
"TYPEOFRESIDENCE": "1141",
"WSNPNODAYS": "0",
"WSNPONADDRESS_MATCHKEY_N": "N",
"WSNPONADDRESS_MATCHKEY_O": "N",
"WSNPONPERSON_MATCHKEY_F": "N",
"WSNPONPERSON_MATCHKEY_G": "N",
"WSNPONPERSON_MATCHKEY_H": "N"
},
"GUARDIANSHIP": {
"GUARDIANSHIPERRORCODE": "0",
"GUARDIANSHIPERRORCODEDESC": "Guardianship check not available",
"GUARDIANSHIPONPERSON_MATCHKEYB": "",
"GUARDIANSHIPONPERSON_MATCHKEYG": ""
}
},
"is_used": true,
"provider": "experian",
"success": true
}
],
"id": "fee8da00-2052-11ec-945d-2bceaa7e4a8d",
"merchant_statistics": {
"allowed_countries": [
"NL"
],
"average_basket_amount": 26000,
"first_transaction_max_amount": null,
"first_transaction_max_proc_average": null,
"max_age": 85,
"max_amount": 30000,
"merchant_risk_level": null,
"min_age": 16,
"min_amount": 1600,
"open_transaction_amount": null,
"open_transaction_count": null
},
"reasoning": [
{
"code": "100",
"reason": "Country: Billing country is valid",
"score": 100,
"type": "positive"
},
{
"code": "101",
"reason": "Phone: No phone is required.",
"score": 0,
"type": "positive"
},
{
"code": "103",
"reason": "Age: Age is valid",
"score": 100,
"type": "positive"
},
{
"code": "109",
"reason": "Apartment: No apartment provided.",
"score": 100,
"type": "positive"
},
{
"code": "111",
"reason": "Browser IP: IP country matches the billing country NL",
"score": 100,
"type": "positive"
},
{
"code": "113",
"reason": "Zipcode Apartment: Apartment not provided.",
"score": 100,
"type": "positive"
},
{
"code": "116",
"reason": "Billing shipping address different: Addresses match.",
"score": 100,
"type": "positive"
},
{
"code": "120",
"reason": "Email quality: overall",
"score": 50,
"type": "negative"
},
{
"code": "121",
"reason": "Phone quality",
"score": 0,
"type": "negative"
},
{
"code": "124",
"reason": "Phone quality: valid",
"score": 100,
"type": "positive"
},
{
"code": "125",
"reason": "Phone quality: active",
"score": 100,
"type": "positive"
},
{
"code": "126",
"reason": "Phone quality: country",
"score": 100,
"type": "positive"
},
{
"code": "127",
"reason": "Billing address: geocoding",
"score": 100,
"type": "positive"
},
{
"code": "128",
"reason": "Browser info: fingerprint uniqueness",
"score": 99,
"type": "positive"
},
{
"code": "130",
"reason": "Browser info: country",
"score": 100,
"type": "positive"
},
{
"code": "199",
"reason": "Black list: blacklist_country",
"score": 100,
"type": "positive"
},
{
"code": "199",
"reason": "Black list: blacklist_ip",
"score": 100,
"type": "positive"
},
{
"code": "199",
"reason": "Black list: blacklist_email",
"score": 100,
"type": "positive"
},
{
"code": "199",
"reason": "Black list: blacklist_address",
"score": 100,
"type": "negative"
},
{
"code": "199",
"reason": "Black list: ccbr",
"score": 100,
"type": "positive"
},
{
"code": "199",
"reason": "Black list: cir",
"score": 100,
"type": "positive"
},
{
"code": "199",
"reason": "Black list: pep",
"score": 100,
"type": "positive"
},
{
"code": "199",
"reason": "Black list: net",
"score": 100,
"type": "positive"
},
{
"code": "305",
"reason": "High risk address exists: 0",
"score": 100,
"type": "negative"
},
{
"code": "320",
"reason": "Too much negative rule 320: 0",
"score": 100,
"type": "negative"
},
{
"code": "600",
"reason": "Repeat customer",
"score": 100,
"type": "positive"
},
{
"code": "603",
"reason": "Customer credibilidy: has paid orders",
"score": 100,
"type": "positive"
},
{
"code": "605",
"reason": "Customer credibilidy: last order is completed",
"score": 100,
"type": "positive"
},
{
"code": "606",
"reason": "Customer credibilidy: last order amount is higher than current",
"score": 100,
"type": "positive"
}
],
"score": 755,
"stop_lists": [
{
"data": [],
"provider": "blacklist_country",
"success": true
},
{
"data": [],
"provider": "blacklist_ip",
"success": true
},
{
"data": [],
"provider": "blacklist_email",
"success": true
},
{
"data": [
{
"description": "Fraud filter hit on Zipcode/Housenumber.",
"id": 5
}
],
"provider": "blacklist_address",
"success": true
},
{
"data": [],
"provider": "cir",
"success": true
},
{
"data": [],
"provider": "pep",
"success": true
},
{
"data": [],
"provider": "net",
"success": true
},
{
"data": [],
"provider": "ccbr",
"success": true
}
],
"type": "automatic"
},
"success": true
}
{
"data": {
"accept": false,
"anomalies": [
{
"code": "225",
"reason": "{Description}",
"type": "anomaly"
}
],
"credibility": {
"address": {
"avg_payment_days": null,
"credible": true,
"debt_history": [],
"last_order_amount": 0,
"last_order_date": null,
"last_order_status": null,
"origin": "new",
"paid_amount": 0,
"paid_orders": 0,
"pending_amount": 0,
"pending_orders": 0
},
"customer": {
"avg_payment_days": 0,
"credible": true,
"debt_history": [],
"last_order_amount": 57000,
"last_order_date": "2020-03-03 14:26:53",
"last_order_status": "completed",
"origin": "new",
"paid_amount": 57000,
"paid_orders": 1,
"pending_amount": 0,
"pending_orders": 0
},
"repeat_customer": true
},
"diverted":"false",
"enriched_data": {
"billing_address": {
"geocoding": {
"data": [
{
"address_components": [
{
"long_name": "19",
"short_name": "19",
"types": [
"street_number"
]
},
{
"long_name": "test-string",
"short_name": "test-string",
"types": [
"route"
]
},
{
"long_name": "test-string",
"short_name": "test-string",
"types": [
"political",
"sublocality",
"sublocality_level_1"
]
},
{
"long_name": "test-string",
"short_name": "test-string",
"types": [
"locality",
"political"
]
},
{
"long_name": "test-string",
"short_name": "test-string",
"types": [
"administrative_area_level_2",
"political"
]
},
{
"long_name": "test-string",
"short_name": "test-string",
"types": [
"administrative_area_level_1",
"political"
]
},
{
"long_name": "test-string",
"short_name": "test-string",
"types": [
"country",
"political"
]
},
{
"long_name": "test-string",
"short_name": "test-string",
"types": [
"postal_code"
]
}
],
"formatted_address": "test-string",
"geometry": {
"location": {
"lat": 52.3868522,
"lng": 4.6408082
},
"location_type": "ROOFTOP",
"viewport": {
"northeast": {
"lat": 52.3882011802915,
"lng": 4.6421571802915
},
"southwest": {
"lat": 52.3855032197085,
"lng": 4.6394592197085
}
}
},
"place_id": "ChIJGftHF27vxUcRWLx21ON_M2M",
"plus_code": {
"compound_code": "test-string",
"global_code": "test-string"
},
"types": [
"street_address"
]
}
],
"valid": true
},
"post_nl": {
"reason": "Apartment not found in the zipcode.",
"valid": false
}
},
"browser_info": {
"fingerprint_uniqueness": 99,
"ip_address_location": {
"city": "test-string",
"country": "XX"
},
"ip_address_proxy_score": 0,
"time_zone_location": {
"countries": [
"AD",
"AL",
"AQ",
"AT",
"BA",
"BE",
"BI",
"BW",
"CD",
"CH",
"CZ",
"DE",
"DK",
"EG",
"ES",
"FR",
"GI",
"HR",
"HU",
"IT",
"LI",
"LS",
"LU",
"LY",
"MC",
"ME",
"MK",
"MT",
"MW",
"MZ",
"NA",
"NL",
"NO",
"PL",
"RS",
"RU",
"RW",
"SD",
"SE",
"SI",
"SJ",
"SK",
"SM",
"SS",
"SZ",
"VA",
"ZA",
"ZM",
"ZW"
],
"names": [
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"type": "positive"
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},
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},
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},
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},
{
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},
{
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{
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],
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},
{
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},
{
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},
{
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"success": true
},
{
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},
{
"data": [],
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}
],
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},
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}
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},
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},
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}
},
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},
{
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},
{
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},
{
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},
{
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}
],
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},
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}
},
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}
},
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},
{
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},
{
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},
{
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}
]
},
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},
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},
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},
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},
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},
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},
{
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"type": "positive"
},
{
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"type": "negative"
},
{
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"type": "positive"
},
{
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},
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"type": "positive"
},
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"type": "positive"
},
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"type": "positive"
},
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},
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},
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}
],
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},
{
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}
],
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},
{
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},
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},
{
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},
{
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},
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},
{
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}
],
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},
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}
Stoplists
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],
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},
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},
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},
{
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},
{
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},
{
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},
{
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},
{
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},
{
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}
],
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},
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}
},
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},
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}
],
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},
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}
},
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},
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{
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},
{
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{
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],
"names": [
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"Africa/Maseru",
"Africa/Mbabane",
"Africa/Tripoli",
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"Antarctica/Troll",
"Arctic/Longyearbyen",
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"Europe/Andorra",
"Europe/Belgrade",
"Europe/Berlin",
"Europe/Bratislava",
"Europe/Brussels",
"Europe/Budapest",
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"Europe/Copenhagen",
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"Europe/Kaliningrad",
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},
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},
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},
{
"long_name": "test-string",
"short_name": "test-string",
"types": [
"administrative_area_level_1",
"political"
]
},
{
"long_name": "test-string",
"short_name": "test-string",
"types": [
"country",
"political"
]
},
{
"long_name": "test-string",
"short_name": "test-string",
"types": [
"postal_code"
]
}
],
"formatted_address": "test-string",
"geometry": {
"location": {
"lat": 52.3868522,
"lng": 4.6408082
},
"location_type": "ROOFTOP",
"viewport": {
"northeast": {
"lat": 52.3882011802915,
"lng": 4.6421571802915
},
"southwest": {
"lat": 52.3855032197085,
"lng": 4.6394592197085
}
}
},
"place_id": "ChIJGftHF27vxUcRWLx21ON_M2M",
"plus_code": {
"compound_code": "test-string",
"global_code": "test-string"
},
"types": [
"street_address"
]
}
],
"valid": true
},
"post_nl": {
"reason": "Apartment not found in the zipcode.",
"valid": false
}
},
"browser_info": {
"fingerprint_uniqueness": 99,
"ip_address_location": {
"city": "test-string",
"country": "XX"
},
"ip_address_proxy_score": 0,
"time_zone_location": {
"countries": [
"AD",
"AL",
"AQ",
"AT",
"BA",
"BE",
"BI",
"BW",
"CD",
"CH",
"CZ",
"DE",
"DK",
"EG",
"ES",
"FR",
"GI",
"HR",
"HU",
"IT",
"LI",
"LS",
"LU",
"LY",
"MC",
"ME",
"MK",
"MT",
"MW",
"MZ",
"NA",
"NL",
"NO",
"PL",
"RS",
"RU",
"RW",
"SD",
"SE",
"SI",
"SJ",
"SK",
"SM",
"SS",
"SZ",
"VA",
"ZA",
"ZM",
"ZW"
],
"names": [
"Africa/Blantyre",
"Africa/Bujumbura",
"Africa/Cairo",
"Africa/Ceuta",
"Africa/Gaborone",
"Africa/Harare",
"Africa/Johannesburg",
"Africa/Juba",
"Africa/Khartoum",
"Africa/Kigali",
"Africa/Lubumbashi",
"Africa/Lusaka",
"Africa/Maputo",
"Africa/Maseru",
"Africa/Mbabane",
"Africa/Tripoli",
"Africa/Windhoek",
"Antarctica/Troll",
"Arctic/Longyearbyen",
"Europe/Amsterdam",
"Europe/Andorra",
"Europe/Belgrade",
"Europe/Berlin",
"Europe/Bratislava",
"Europe/Brussels",
"Europe/Budapest",
"Europe/Busingen",
"Europe/Copenhagen",
"Europe/Gibraltar",
"Europe/Kaliningrad",
"Europe/Ljubljana",
"Europe/Luxembourg",
"Europe/Madrid",
"Europe/Malta",
"Europe/Monaco",
"Europe/Oslo",
"Europe/Paris",
"Europe/Podgorica",
"Europe/Prague",
"Europe/Rome",
"Europe/San_Marino",
"Europe/Sarajevo",
"Europe/Skopje",
"Europe/Stockholm",
"Europe/Tirane",
"Europe/Vaduz",
"Europe/Vatican",
"Europe/Vienna",
"Europe/Warsaw",
"Europe/Zagreb",
"Europe/Zurich"
]
},
"user_agent_details": {
"browser": "chrome",
"browser_version": "93.0",
"country": null,
"device": "desktop",
"engine": "webkit",
"engine_version": "93.0",
"language": null,
"os": "mac",
"robot": false
}
},
"customer_info": {
"email_details": {
"free": false,
"mx": true,
"quality": 2
},
"phone_details": {
"country": "XX",
"digit_repetition": 100,
"imsi": "204080000000000",
"msisdn": "31653511576",
"network": "20408",
"ported": false,
"roaming": false,
"status": "active",
"valid": true
}
},
"summary": [
{
"provider": "post_nl",
"success": true
},
{
"provider": "google",
"success": true
},
{
"provider": "messagebird",
"success": true
},
{
"provider": "internal",
"success": true
}
]
},
"external_providers": [
{
"data": {
"E-COMMERCESCORE": {
"ADDRESSEXISTS": "4",
"BANKRUPTCYNODAYS": "0",
"BANKRUPTCYONADDRESS_MATCHKEYN": "N",
"BANKRUPTCYONADDRESS_MATCHKEYO": "N",
"BANKRUPTCYONPERSON_MATCHKEYF": "N",
"BANKRUPTCYONPERSON_MATCHKEYG": "N",
"BANKRUPTCYONPERSON_MATCHKEYH": "N",
"CAPS30DAYS": "1",
"DAYSATADDRESS": "615",
"DECEASEDNODAYS": "0",
"DECEASEDONADDRESS_MATCHKEY_N": "N",
"DECEASEDONADDRESS_MATCHKEY_O": "N",
"DECEASEDONPERSON_MATCHKEY_F": "N",
"DECEASEDONPERSON_MATCHKEY_G": "N",
"DECEASEDONPERSON_MATCHKEY_H": "N",
"ECOMMERCESCORE": "932",
"ERRORCODE": "0",
"ERRORDESCRIPTION": "",
"FREQUENCYBANKRUPTCYONADDRESSN": "0",
"FREQUENCYBANKRUPTCYONPERSONB": "0",
"FREQUENCYBANKRUPTCYONPERSONG": "0",
"FREQUENCYIDENTITYFOUNDA": "0",
"FREQUENCYIDENTITYFOUNDB": "0",
"FREQUENCYIDENTITYFOUNDC": "0",
"FREQUENCYIDENTITYFOUNDD": "0",
"FREQUENCYIDENTITYFOUNDE": "2",
"FREQUENCYIDENTITYFOUNDF": "2",
"FREQUENCYIDENTITYFOUNDG": "3",
"FREQUENCYIDENTITYFOUNDH": "2",
"FREQUENCYIDENTITYFOUNDI": "2",
"FREQUENCYIDENTITYFOUNDJ": "2",
"FREQUENCYIDENTITYFOUNDK": "0",
"FREQUENCYIDENTITYFOUNDL": "0",
"FREQUENCYIDENTITYFOUNDM": "0",
"FREQUENCYNEGATIVEREGISTRATIONSADDRESSN": "0",
"FREQUENCYNEGATIVEREGISTRATIONSPERSONB": "0",
"FREQUENCYNEGATIVEREGISTRATIONSPERSONC": "0",
"FREQUENCYNEGATIVEREGISTRATIONSPERSONE": "0",
"FREQUENCYNEGATIVEREGISTRATIONSPERSONG": "0",
"FREQUENCYNEGATIVEREGISTRATIONSPERSONH": "0",
"FREQUENCYNEGATIVEREGISTRATIONSPERSONJ": "0",
"FREQUENCYPAYMENTSONADDRESSN": "0",
"FREQUENCYPAYMENTSONINDIVIDUALJ": "0",
"HIGHRISKADDRESS": "false",
"HIGHRISKAREA": "0.21",
"IDENTITYFOUND": "Y",
"MOSAICINCOMECLASS": "5",
"MOSAICTYPE": "J",
"NAMEFOUND": "Y",
"NAMEONADDRESS": "Y",
"NEGATIVEDATAFLAG": "1",
"NEGATIVEREGISTRATIONSADDRESS": "N",
"NEGATIVEREGISTRATIONSPERSON": "N",
"PAYMENTSONADDRESS": "",
"PAYMENTSONINDIVIDUAL": "",
"PROOFPLUS16": "Y",
"PROOFPLUS18": "Y",
"PROPERTYVALUECLASS": "13",
"SURSEANCENODAYS": "0",
"SURSEANCEONADDRESS_MATCHKEY_N": "N",
"SURSEANCEONADDRESS_MATCHKEY_O": "N",
"SURSEANCEONPERSON_MATCHKEY_F": "N",
"SURSEANCEONPERSON_MATCHKEY_G": "N",
"SURSEANCEONPERSON_MATCHKEY_H": "N",
"TELCOARREARSTATUS": "Unknown",
"TELCOARREAR_DATE_MKJ": "",
"TELEPHONEONADDRESS": "N",
"TENURE": "1",
"TYPEOFRESIDENCE": "1141",
"WSNPNODAYS": "0",
"WSNPONADDRESS_MATCHKEY_N": "N",
"WSNPONADDRESS_MATCHKEY_O": "N",
"WSNPONPERSON_MATCHKEY_F": "N",
"WSNPONPERSON_MATCHKEY_G": "N",
"WSNPONPERSON_MATCHKEY_H": "N"
},
"GUARDIANSHIP": {
"GUARDIANSHIPERRORCODE": "0",
"GUARDIANSHIPERRORCODEDESC": "Guardianship check not available",
"GUARDIANSHIPONPERSON_MATCHKEYB": "",
"GUARDIANSHIPONPERSON_MATCHKEYG": ""
}
},
"is_used": true,
"provider": "experian",
"success": true
}
],
"id": "fee8da00-2052-11ec-945d-2bceaa7e4a8d",
"merchant_statistics": {
"allowed_countries": [
"NL"
],
"average_basket_amount": 26000,
"first_transaction_max_amount": null,
"first_transaction_max_proc_average": null,
"max_age": 85,
"max_amount": 30000,
"merchant_risk_level": null,
"min_age": 16,
"min_amount": 1600,
"open_transaction_amount": null,
"open_transaction_count": null
},
"reasoning": [
{
"code": "100",
"reason": "Country: Billing country is valid.",
"score": 100,
"type": "positive"
},
{
"code": "101",
"reason": "Phone: No phone is required.",
"score": 0,
"type": "positive"
},
{
"code": "103",
"reason": "Age: Age is valid",
"score": 100,
"type": "positive"
},
{
"code": "109",
"reason": "Apartment: No apartment provided.",
"score": 100,
"type": "negative"
},
{
"code": "111",
"reason": "Browser IP: IP country matches the billing country NL",
"score": 100,
"type": "positive"
},
{
"code": "113",
"reason": "Zipcode Apartment: Apartment not provided.",
"score": 100,
"type": "negative"
},
{
"code": "116",
"reason": "Billing shipping address different: Addresses match.",
"score": 100,
"type": "positive"
},
{
"code": "120",
"reason": "Email quality: overall",
"score": 50,
"type": "negative"
},
{
"code": "121",
"reason": "Phone quality",
"score": 0,
"type": "negative"
},
{
"code": "124",
"reason": "Phone quality: valid",
"score": 100,
"type": "positive"
},
{
"code": "125",
"reason": "Phone quality: active",
"score": 100,
"type": "positive"
},
{
"code": "126",
"reason": "Phone quality: country",
"score": 100,
"type": "positive"
},
{
"code": "127",
"reason": "Billing address: geocoding",
"score": 100,
"type": "positive"
},
{
"code": "128",
"reason": "Browser info: fingerprint uniqueness",
"score": 99,
"type": "positive"
},
{
"code": "130",
"reason": "Browser info: country",
"score": 100,
"type": "positive"
},
{
"code": "199",
"reason": "Black list: blacklist_country",
"score": 100,
"type": "positive"
},
{
"code": "199",
"reason": "Black list: blacklist_ip",
"score": 100,
"type": "positive"
},
{
"code": "199",
"reason": "Black list: blacklist_email",
"score": 100,
"type": "positive"
},
{
"code": "199",
"reason": "Black list: blacklist_address",
"score": 100,
"type": "positive"
},
{
"code": "199",
"reason": "Black list: ccbr",
"score": 100,
"type": "positive"
},
{
"code": "199",
"reason": "Black list: cir",
"score": 100,
"type": "positive"
},
{
"code": "199",
"reason": "Black list: pep",
"score": 100,
"type": "negative"
},
{
"code": "199",
"reason": "Black list: net",
"score": 100,
"type": "positive"
},
{
"code": "305",
"reason": "High risk address exists: 0",
"score": 100,
"type": "negative"
},
{
"code": "320",
"reason": "Too much negative rule 320: 0",
"score": 100,
"type": "negative"
},
{
"code": "600",
"reason": "Repeat customer",
"score": 100,
"type": "positive"
},
{
"code": "603",
"reason": "Customer credibilidy: has paid orders",
"score": 100,
"type": "positive"
},
{
"code": "605",
"reason": "Customer credibilidy: last order is completed",
"score": 100,
"type": "positive"
},
{
"code": "606",
"reason": "Customer credibilidy: last order amount is higher than current",
"score": 100,
"type": "positive"
}
],
"score": 755,
"stop_lists": [
{
"data": [],
"provider": "blacklist_country",
"success": true
},
{
"data": [],
"provider": "blacklist_ip",
"success": true
},
{
"data": [],
"provider": "blacklist_email",
"success": true
},
{
"data": [],
"provider": "blacklist_address",
"success": true
},
{
"data": [],
"provider": "cir",
"success": true
},
{
"data": [
{
"additional_information": "",
"alternative_script": null,
"category": "State Executive Functions, Government, Ministries",
"country": "European Union",
"country_of_activity": "European Union",
"country_of_origin": "Netherlands",
"date_not_in_charge_since": null,
"dob": [
"1967-02-14"
],
"dob_range": [
{
"date_from": "1967-02-14",
"date_till": "1967-02-14"
}
],
"expeps": "0",
"first_name": "Mark",
"full_name": "",
"function": "European Council",
"gender": "Male",
"id": "10101092346",
"last_name": "Rutte",
"other_names": [
"Rutte, M."
],
"pob": "description: The Hague, Netherlands",
"record_type": "Sec",
"relative_id": "10101092346",
"specificfunction": "Member",
"title": "Mr."
}
],
"provider": "pep",
"success": true
},
{
"data": [],
"provider": "net",
"success": true
},
{
"data": [],
"provider": "ccbr",
"success": true
}
],
"type": "automatic"
},
"success": true
}
Errors
If the request is unsuccessful, an error is returned.
errors
description: A list of error messages.
type: array
Attributes
errors.message
description: The error message.
type: string
message
description: The error message.
type: string
success
description: Whether the PAD CCS request was successful.
type: boolean
HTTP 408 request timeout
{
"errors": [
{
"message": "Request timeout"
}
],
"message": "Request timeout",
"success": false
}
This page is intended for informational purposes. No rights can be derived from the information provided.
Updated about 2 years ago