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Fabrick Advice

Fabrick Advice is the complementary service to Fabrick Guaranteed payments that allows performing a Transaction Risk Analysis (TRA) to benefit from PSD2 exemptions
(Powered by Riskified).

The risk analysis with Fabrick Advice is twofold:

  • a first pre-authorization analysis, aimed at evaluating the transaction's eligibility for exclusion from the authentication process
  • a second analysis, more accurate, applied to exempted transactions and aimed at guaranteeing them against potential chargebacks.

Exemptions are applicable to transactions with amounts within the thresholds of 100 / 250 / 300 €, based on the fraud rates of the reference acquirer.

Fabrick Advice - Transactional Scenarios​

Fabrick Advice

Placed in the context of the entire transactional flow, Fabrick Advice can determine the following scenarios.

Fabrick Advice

Transaction not eligible for TRA application​

The transaction is normally processed through a 3DS flow.

Transaction eligible for TRA application​

The transaction is analyzed by Fabrick Advice, which can return one of the following outcomes.

Possible outcomes​

  • Fraud
    Transaction with a high risk of fraud.
    The transaction process is interrupted with a dedicated KO.

  • 3DS2
    The transaction presents a moderate risk of fraud.
    Proceeds with authentication.

  • Exemption
    The transaction presents a low risk of fraud.
    It is possible to proceed with an exemption request:

    • Exemption accepted
      The transaction is processed under exemption and, upon a positive outcome, Fabrick Guaranteed Payments is applied, guaranteeing the transaction in the event of fraud.
    • Soft decline
      The issuer rejects the exemption request.
      The transaction is subject to security protocols.

Service Activation​

Fabrick Advice activation can be requested from your commercial representative.
Fabrick Guaranteed Payments must already be active.

Implementation​

For implementation, the same steps required for Fabrick Guaranteed Payments must be followed.

The main differences compared to that service are that, in addition to the approved or declined outcomes:

  • it may be required to authenticate the transaction (soft error 8006 for API Only integrations, automatically handled in others).
  • the transaction may not be authorized due to a high fraud risk (error 7422).

Supported Integrations

✓HPPO
✗Pay By Link
✓Web Component
✓Lightbox
✓API Only
✓Plugin (Check the dedicated page)

3DS Authentication Verification​

Enable the ThreeDS field​

By enabling the ThreeDS field on the Fabrick Payment Orchestra Merchant Back Office
(NO DISPLAY > API Only or Payment page > Other integrations), it is possible to verify whether a transaction has been authenticated.

The field is located in the two pages of the dropdown menu under Payment Page → Fields&Parameters Advice_MBO_1.png

Advice_MBO_2.png

Advice_MBO_3.png

Authentication Details​

An authenticated transaction may have:

  • authenticationLevel: 2C, 2F, 1F, 1H
  • authenticationStatus: Y or A

A transaction with a failed authentication may have:

  • authenticationLevel: 2C, 2F, 1F
  • authenticationStatus: null or values other than Y and A

A transaction for which authentication was requested but the card is not 3DS enrolled may have:

  • authenticationLevel: 1H
  • authenticationStatus: null
    In this case, as with authenticated transactions, since the merchant is 3D-enabled, liability falls on the issuer.

Testing Fabrick Advice in Sandbox​

In sandbox, for transactions with an amount below 250 EUR, it is possible to test the main production scenarios by populating the PrimaryEmail field:

{
	...
    "OrderDetails": {
		...
        "CustomerDetail": {
			...
            "PrimaryEmail": "",
			...
		}
		...
	}
...
}

and using the cards indicated as shown in this table.

EmailCardOutcome
tra.decline@sandbox.fabrick.com4012000000003101OK, No 3D – Rejected by Fabrick Guaranteed Payments
tra.approve@sandbox.fabrick.com4012000000003101OK, No 3D – Approved by Fabrick Guaranteed Payments
fraud@sandbox.fabrick.com4012000000003101KO – High Risk Profile (Fraud)
sca@sandbox.fabrick.com4012000000003101OK, 3D
sca@sandbox.fabrick.com4012000000003028KO – Authentication failed
sca@sandbox.fabrick.com4775718800003024KO – Authorization denied

Payloads and usage scenarios are available on Fabrick Guaranteed payments

Production Activation​

Before proceeding with production activation, as with Fabrick Guaranteed Payments, it is necessary to share with Fabrick some tests on standard scenarios.

Examples of required scenarios​

  • Transaction authorized and approved by the service, subsequently captured
  • Transaction authorized and approved by the service, subsequently cancelled
  • Transaction authorized and declined by the service, subsequently cancelled
  • Transaction authenticated and authorized, subsequently captured
  • Transaction declined by the service for "Transaction Rejected - High Risk Profile (Fraud)"