What is Fraud Protection Advanced?
Fraud Protection Advanced (FPA) is an integrated risk management solution for medium to large merchants with dedicated resources to manage fraud. Fraud Protection Advanced includes all the capabilities offered by Fraud Protection and more. Fraud Protection Advanced helps you conduct in-depth risk analysis and investigations to fight payment fraud on your advanced credit and debit card payments.
How do I turn Fraud Protection Advanced on or off?
Here’s how to turn Fraud Protection Advanced on or off:
- Go to Business Tools.
- Go to the “Manage Risk” section.
- Click on Fraud Tools.
- Select Do it yourself with PayPal’s fraud tool and click Next.
- Select the Fraud Protection Advanced Tool and click Activate.
- Click Let’s Go.
- Configure the fraud filters.
For customers arriving from a partner site (such as Adobe):
Here’s how to turn Fraud Protection Advanced on or off:
- Click Set Up PayPal on the “Payment Provider” page.
- Enter your email address and click Next.
- In the “Recommended For You” section, click Activate Fraud Protection.
- Select Do it yourself with PayPal’s fraud tool.
- Select Fraud Protection Advanced Tool and click Activate.
- Click Let’s Go.
- Configure the fraud filters.
How much does Fraud Protection Advanced cost?
There's an additional cost per screened payment when using Fraud Protection Advanced. Please visit our Fees page for more information.
Fraud Protection
Advanced fees
owed for the previous month will be displayed in the Fee Transaction Report (FTR) and the Monthly Statement Report (MSR).
Where do I see the Fraud Protection Advanced fees I’m charged?
Merchants can see the fees associated with FPA on the PayPal Fees page and during the FPA setup and activation experience.
Merchants will receive FPA invoices during the first week of every month.
- FPA fees will be automatically debited from their bank accounts on the 10th of every month.
When will I receive the Fraud Protection Advanced fees invoice and be charged?
After you turn on Fraud Protection Advanced, you’ll receive an invoice for the fees.
From the seventh calendar day of every month, you will be able to see the FPA fees owed for the previous month in your Fee transaction report (FTR) and the Monthly Statement Report (MSR). The month after the actual transactions, invoices are generated, and PDF invoices are sent to the account email. You will receive these invoices during the first week of every month. FPA fees will be direct debited from your nominated bank account on the 10th of every month.
If you turn off Fraud Protection Advanced:
Invoices are generated the month after we calculate any live transactions. Invoices and debiting will occur independent of product deactivation. It’s specifically tied to services rendered.
What is the difference between Chargeback Protection, Fraud Protection, and Fraud Protection Advanced, and how do I decide which is best for my business?
Chargeback Protection, Fraud Protection, and Fraud Protection Advanced are all solutions that help you prevent fraud on your advanced credit and debit card payments.
Fraud Protection Advanced is typically used by larger merchants with dedicated fraud analysts to create and manage filters, manually review transactions, and optimize the tool based on your unique business needs. Fraud Protection Advanced has new features such as ‘allow’ and ‘block’ lists, which allow merchants to review and decide on specific transactions based on their risk level. Fraud Protection is our primary tool and doesn't require hands-on knowledge or intervention from merchants.
Chargeback Protection is usually used by smaller merchants who don't have the time, resources, or knowledge to manage fraud independently.
Is additional integration required to use Fraud Protection Advanced?
You must onboard to Advanced Checkout to enable Fraud Protection Advanced for your advanced credit and debit card payments. No additional integration is required to use Fraud Protection Advanced; however, if you pass device data, email, and phone fields, this may help to optimize fraud decision-making performance.
Does Fraud Protection Advanced protect all of my transactions?
Fraud Protection Advanced helps you make decisions about your advanced credit and debit card payments. It doesn’t enable you to make decisions about PayPal wallet transactions since Seller Protection protects eligible PayPal wallet transactions.
What filters are provided out-of-the-box?
An initial set of customized filters is provided to you out-of-the-box. You can enable and modify these filters or create your own. The filters you’ll see depend on your business metrics and may include the following:
- Transaction risk score - Rejection filter: A normalized risk threshold is suggested when onboarding. Risk scores range from 0 - 100, with 100 being highly risky and 0 less risky.
- High-velocity filters: To quickly stop a bot attack or multiple attempts from the same entity, such as using the same card, device, email, etc.
- Linking velocity filters: To identify users attempting to make suspicious transactions by changing their name, card, phone number, etc.
- High Issuer declines filters: To block users who have recently had a suspiciously high number of issuer declines.
- Bad entity filters: To stop transactions made by an entity, such as email, card, phone, etc., linked to fraudulent activity across the PayPal network.
- Blocklists: To block the known bad users based on their transactional information.
- AVS/CVV checks.
How can I increase my approval rate?
The Auth Attempt Report gives you insights into your approvals and declines. You can leverage this information to improve the success of your authorization.
Technical Issues
For technical issues, such as integration inquiries or API support, you can open a ticket with Merchant Technical Support (MTS) at https://www.paypal.com/mts.