Here's an example of passing device data with a transaction:
$result = $gateway->transaction()->sale([ 'amount' => "1000.00", 'paymentMethodNonce' => nonceFromTheClient, 'options' => [ 'submitForSettlement' => true ], 'deviceData' => $_POST['device_data'] ]);
And here's an example of passing device data with a payment method creation (thus triggering a verification request):
$result = $gateway->paymentMethod()->create([ 'customerId' => '12345', 'paymentMethodNonce' => nonceFromTheClient, 'options' => [ 'verifyCard' => true ], 'deviceData' => $_POST['device_data'] ]);
In general, we strongly recommend including device data on any event where:
- a customer adds credit card data to your Vault
- a customer initiates a transaction
We use both transactions and verification request data to ensure that you get the most comprehensive fraud protection possible. Our Advanced Fraud Management Tools use device data to more accurately identify fraudulent requests.
This is especially important on verifications: verifying cards is the best way to stop fraudsters from getting into your Vault. Sending the verification with device data will ensure that preliminary fraud checks are being run in addition to normal AVS/CVV/risk threshold checks you may have enabled. This further augments the level of protection you have, helping to identify fraudulent patterns linked to a device sooner than if you only passed device data with transaction requests.
If you do not want to perform Advanced Fraud Management Tools checks on a specific transaction, pass options.skipAdvancedFraudChecking when creating the transaction via the API.
Passing a customer email is optional. If the customer does not provide an email, we recommend that you do not pass the parameter at all.
However, if you are using Kount Custom and your system requires a customer email address, pass the dummy address
firstname.lastname@example.org. With Kount, if multiple orders are made using the same email address but different card numbers or devices, Kount will flag these orders, which can lead to a high decline rate. Using
email@example.com instead of your own dummy address (e.g.
firstname.lastname@example.org) will prevent Kount from linking orders based on the email address and will reduce the likelihood of false positives. Kount's system requires an email address, so when you do not pass a customer email, we will pass
email@example.com for you.
We return the risk data on credit card verifications and on transactions with all compatible payment methods. The data includes the fraud service provider, the risk identifier, the device data captured flag, and the risk decision, which can provide further context on how a verification or transaction was scored by our Advanced Fraud Management Tools.
$result->transaction->riskData->fraudServiceProvider # "Kount" $result->transaction->riskData->id # "1SG23YHM4BT5" $result->transaction->riskData->decision # "Decline" $result->transaction->riskData->deviceDataCaptured # True
The possible values of the risk decision are Not Evaluated, Approve, Review, and Decline.