After sending your input to the API, you will receive a JSON Response. This response will give you the information you need to respond to the transaction.
Decision
The Decision field is the most important field. It determines whether you should Accept, Review or Deny the transaction.
A: Accept
D: Deny
R: Review
The Decision is influenced by Rules which are set by your Sales or Customer Service Representative. Don’t worry about how the Decision is made until you have successfully implemented the API. The default Rules set provided during the testing phase is unique and may not match with the needs of your organization.
Rules
Pinpoint uses a rules engine which is tailored to meet the customer’s needs. These rules affect the Decision.
Examples include:
Setting Accept, Deny or Review based on Score
Setting Accept, Deny or Review based on Location of Sales
Setting Accept, Deny or Review based on Number of Emails
Rules are set behind the scenes by your Sales or Customer Service Representative.
Score
The Score field represents an overall grade of the likelihood the transaction is fraudulent. Lower is better. The Score field is based on a proprietary algorithm that looks at all your submitted fields such as purchase location, credit card numbers, emails and name.
{
"SessionID": "uoaelc0f4qsr2bv6lmerm4qpl4", // unique 30-day session id
"PLoc": "US", // country with highest fraud percentage associated with persona
"Score": "65", // risk score based on request data
"Decision": "A", // A = Approve, D = Decline, R = Review, E = Escalate
"DecisionJust": null, // justification for decision
"JustCode": null, // id for triggered justification rule
"DBrowser": null, // device's web browser
"CCBrand": "AMEX", // card brand
"PNumC": "4", // number of cards associated with persona
"DCookies": null, // whether device has cookies enabled
"CountersNum": "0", // number of counters triggered
"CounterNames": null, // comma separated array of names of counters triggered
"CounterValues": null, // comma separated array of names of counters triggered
"DCountry": null, // device's two character ISO country code
"DStartDate": null, // date device was first logged into the system
"DLayers": "....", // 5 period separated ids which represent the OS, browser, javascript, and cookie settings; used in the creation of the device fingerprint.
"PDeviceNum": "1", // number of devices associated with persona
"DScreen": null, // device's screen resolution
"PEmails": "3", // unique email addresses associated with persona
"DFingerprint": null, // unique device identifier
"DFlash": null, // whether device has flash enabled
"DLoc": null, // country value set in user's control panel
"Proxy": null, // whether a proxy was used
"ProxyIp": null, // ipv4 address of the proxy
"ProxyLat": null, // latitude of the proxy ip
"ProxyLon": null, // longituted of the proxy ip
"ProxyCity": null, // city of the proxy ip
"ProxyOrg": null, // owner of the proxy ip
"ProxyCountry": null, // country of the proxy ip
"ProxyRegion": null, // region of the proxy ip
"DJavaScript": null, // whether device has javascript enabled
"DC": "N", // whether device data was successfully collected
"DLang": null, // device language
"DTime": " ", // local time on device
"ClientId": "96", // client id submitted in request
"Mobile": null, // whether device is mobile
"MFowarder": null, // whether mobile device is using a forwarder
"MType": null, // mobile device type (iphone, android)
"RiskNet": "A", // riskiest network persona has used within two weeks (A = Anonymous, H = High School, L = Library, N = Normal, O = Open Proxy, P = Prison, S = Satellite)
"OrdNum": null, // merchant's in-house order number
"DOs": null, // device os
"DRemote": null, // whether device has remote services enabled
"LocalIp": null, // ipv4 of the pierced ip address of the device
"LocalLat": null, // latitude of the local ip
"LocalLon": null, // longitude of the local ip
"LocalCountry": null, // country of the local ip
"LocalRegion": null, // repion of the local ip
"LocalCity": null, // city of the local ip
"DRegion": null, // region of device
"PRegion": null, // region of persona
"RulesNum": "7", // number of rules triggered by request
"RuleDescription": "Email Whitelist Approval", // comma separated array of triggered rule descriptions
"RuleId": "239775", // comma separated array of triggered rule ids
"SesId": "uoaelc0f4qsr2bv6lmerm4qpl4", // unique 30-day session id
"Site": "DEFAULT", // website id sent in request
"Status": null, // status returned by decision
"DTimeZone": null, // timezone of device
"TranId": "PK5V0M684SR9", // transaction id
"DUas": null, // user agent string of device
"PVelo": "28", // number of orders made by persona within two weeks
"PVMax": "7", // highest number of orders made by persona within six hours within the last two weeks
"MVoice": null // whether mobile device is voice activated
}