Table of Contents

About Fraud prevention with IP tracking

General information about Fraud prevention

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Paygate supports different processes for fraud prevention. These include inquiries with credit agencies for the monitoring of the card's country of origin and payment guarantees for credit cards.

A large proportion of fraud attempts come from foreign countries. Paygate

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can check the country of origin and, in many cases the city of the IP address used. If the country of origin or the IP address of your customer is not one of your supplies countries or is not the same country as the credit card Issuer, Paygate

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can send an alert via e-mail or automatically refuse the payment.

75% of all fraud attempts are made with foreign credit cards. Paygate

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can check the card’s origin: If you enter the delivery country as a parameter, Paygate

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returns the country of origin of Visa and MasterCard issued cards and sends an e-mail if the delivery country differs from the card’s origin. You can then find out from the customer why the card’s origin differs from the delivery country to avoid fraud. Paygate

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can optionally refuse such payments immediately.

Additional parameters for Fraud prevention

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Additional parameters for calling

Paygate

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interface for credit cards

Fraud prevention via IP-tracking relates to VISA and MasterCard credit cards via Paygate

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interfaces payssl.aspx, paynow.aspx and direct.aspx.

For standard integration and other special parameters for making a credit card payment via the payssl.aspx, paynow.aspx and direct.aspx interfaces, please check the credit card handbook.

Notice: By default the fraud prevention functions are not activated. Computop Sales

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can activate these functions for you if required.

Notice: For security reasons, Paygate rejects all payment requests with formatting errors. Therefore, please use the correct data type for each parameter.

The following table describes the encrypted payment request parameters:

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Table Filter

default	Beschreibung
isFirstTimeEnter	false
hideColumns	true
sparkName	Sparkline
hidePane	true
datepattern	dd M yy
id	1623141048393_-915651337
worklog	365\|5\|8\|y w d h m\|y w d h m
isOR	AND
separator	Point (.)
order	0

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MultiExcerptName	fraud_request

Table Transformer

dateFormat	dd M yy
export-word	false
show-source	false
export-csv	false
id	1623141048395_1702829602
transpose	false
worklog	365\|5\|8\|y w d h m\|y w d h m
separator	.
export-pdf	false
sql	SELECT * FROM T*

Key

Parameter

	Format	CND	Description	Beschreibung
IPAddr	ans..15	O	IP address. If you transfer the IP address,

Paygate

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can determine in which country and in which town your customer has connected with the Internet (see also IPZone). Format: 123.456.789.012

IP-Adresse. Damit kann das

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ermitteln, in welchem Land und welcher Stadt Ihr Kunde mit dem Internet verbunden ist (vgl. IPZone). Format 123.456.789.012

IPZone

ans..1100

O

Codes of countries from which you accept orders, 3 digits numeric according to ISO 3166-1.

Separate several countries by commas: 036,040,124. If you transmit countries in IPZone,

Paygate

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checks the country of origin of your customer's IP address, whether it is included in your country list, and whether it corresponds to the country of the credit card (see below).

Paygate

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also transmits the IP-country to your shop (see below). If the IP-country is not in your list or does not match the credit

card Paygate

card

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can send a warning e-mail or refuse payments.

Codes der Länder, aus denen Sie Bestellungen akzeptieren, dreistellig numerisch gemäß ISO 3166-1.

Mehrere Länder durch Kommata trennen: 036,040,124. Wenn Sie Länder in IPZone übergeben, prüft das

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, aus welchem Land die IP-Adresse Ihres Kunden stammt, ob es in Ihrer Länderliste enthalten ist und ob es mit dem Land der Kreditkarte (s.u.) übereinstimmt. Das

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übergibt das IP-Land auch an Ihren Shop (s.u.). Wenn das IP-Land nicht in Ihrer Liste ist oder nicht zur Kreditkarte passt, kann das

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eine Warnung per E-Mail senden oder Zahlungen ablehnen.

Zone

ans..1100

O

Codes of countries where you accept credit cards, 3 digits numeric or alphanumeric according to ISO 3166-1.

Separate several countries by commas: 036,040,124. If you transmit countries in Zone,

Paygate

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checks the country of origin of your customer's credit card (MasterCard, Visa) and whether it is included in your approved country list.

Paygate

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also transmits the card’s country to your shop (see below). If the card’s-country is not in your list or does not match your customer's IP address,

Paygate

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can send a warning e-mail or refuse payments. In order to refuse cards from particular countries (negative list) enter an exclamation mark before that country code: !036,!040,!124.

Please note, there is a maximum length of 1100 characters.

Codes der Länder, in denen Sie Kreditkarten akzeptieren, dreistellig numerisch oder alphanumerisch gemäß ISO 3166.1.

Mehrere Länder durch Kommata trennen: 036,040,124. Wenn Sie Länder in Zone übergeben, prüft das

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, aus welchem Land die Kreditkarte (MasterCard, Visa) Ihres Kunden stammt und ob es in Ihrer Länderliste enthalten ist. Das

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übergibt das Kartenland auch an Ihren Shop (s.u.). Wenn das Kartenland nicht in Ihrer Liste ist oder nicht zur IP-Adresse des Kunden passt, kann das

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eine Warnung per E-Mail senden oder Zahlungen ablehnen. Um Karten aus bestimmten Ländern abzulehnen (Negativliste), geben Sie vor dem Ländercode ein Ausrufezeichen an: !036,!040,!124.

Bitte beachten Sie die Längenbegrenzung auf max. 1100 Zeichen.

Additional parameters for Fraud prevention for credit card payments

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Table Filter

default	Beschreibung
isFirstTimeEnter	false
hideColumns	true
sparkName	Sparkline
hidePane	true
datepattern	dd M yy
id	1623141515850_378638292
worklog	365\|5\|8\|y w d h m\|y w d h m
isOR	AND
separator	Point (.)
order	0

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MultiExcerptName	fraud_response

Table Transformer

dateFormat	dd M yy
export-word	false
show-source	false
export-csv	false
id	1623141515852_1008240893
transpose	false
worklog	365\|5\|8\|y w d h m\|y w d h m
separator	.
export-pdf	false
sql	SELECT * FROM T*

Key

The following table gives the parameters with which Paygate responds:

Parameter

	Format	CND	Description	Beschreibung
Zone	a..7	O	If country codes have been entered in Zone

Paygate

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returns the country code for the credit card or "UNKNOWN"

Falls bei der Anfrage Ländercodes in Zone übergeben wurden, gibt das

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den Ländercode der Kreditkarte oder "UNKNOWN" zurück

IPZone

a..7

O

If IP-countries are transmitted in IPZone in the case of the inquiry

Paygate

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returns the country code of the IP address or "UNKNOWN"

Falls bei der Anfrage IP-Länder in IPZone übergeben wurden, gibt das

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den Ländercode der IP-Adresse oder "UNKNOWN" zurück

IPZoneA2

a..7

O

If IPZone is submitted within the request

Paygate

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returns the two-character country code of the IP address or "UNKNOWN" (DE=Germany, FR=France etc.)

Falls bei der Anfrage IPZone übergeben wurde, gibt das

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den zweistelligen Ländercode der IP-Adresse oder "UNKNOWN" zurück (DE=Deutschland, FR=Frankreich etc.)

IPState

a..32

O

If IPZone is submitted in the request

, Paygate

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returns the federal state from which the IP address of your customer originates.

Falls bei der Anfrage IPZone übergeben wurde, gibt das

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das Bundesland zurück, aus der die IP-Adresse Ihres Kunden stammt

IPCity

a..32

O

If IPZone is submitted in the request

, Paygate

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returns the town/city from which the IP address of your customer originates.

Falls bei der Anfrage IPZone übergeben wurde, gibt das

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die Stadt zurück, aus der die IP-Adresse Ihres Kunden stammt

IPLongitude

n..20

O

If IPZone is submitted in the request

, Paygate

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returns the geographical longitude (floating point, decimal) of the dial-in node (PoP) of your customer.

Falls bei der Anfrage IPZone übergeben wurde, gibt das

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den geographischen Längengrad (Fließkomma, dezimal) des Internet-Einwahlknotens Ihres Kunden zurück

IPLatitude

n..20

O

If IPZone is submitted in the request

Paygate

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returns the geographical latitude (floating point, decimal) of the dial-in node (PoP) of your customer

Falls bei der Anfrage IPZone übergeben wurde, gibt das

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den geographischen Breitengrad (Fließkomma, dezimal) des Internet-Einwahlknotens Ihres Kunden zurück

fsStatus

ans..9

OC

only

Only via direct.aspx, only with EVO Payments International: ACCEPT=no suspicion of card fraud, DENY=refusal recommended, CHALLENGE= verification recommended, NOSCORE=No risk analysis, ENETFP=Exceptional error in the network, ERROR=Error in the data processing centre, ETMOUT=Timeout	Nur über direct.aspx, nur bei EVO Payments International: ACCEPT=Kein Verdacht auf Kartenbetrug, DENY=Abweisen empfohlen, CHALLENGE=Prüfung empfohlen, NOSCORE= keine Risikobewertung, ENETFP=Ausnahmefehler im Netzwerk, ERROR=Fehler im Rechenzentrum, ETMOUT=Timeout
fsCode	n4	OC

only

Only via direct.aspx, only with EVO Payments International: Recommended action: <0000> no result, <0100> accept, <0150> always accept, <0200> deny, <0250> always deny, <0300> suspicious, <0330> please check, <0400> suspicious ReD blacklist, <0500> questionable, <0600> questionable ReD blacklist, <0700> threshold exceeded, <0800> unusual usage, <901> intern ebitGuard error, <902> format error

Nur über direct.aspx, nur bei EVO Payments International: Handlungsempfehlung: <0000> keine Bewertung, <0100> annehmen, <0150> immer annehmen, <0200> ablehnen, <0250> immer ablehnen, <0300> verdächtig, <0330> überprüfen, <0400> verdächtig ReD-Blacklist, <0500> fragwürdig, <0600> fragwürdig ReD-Blacklist, <0700> Schwellwert überschritten, <0800> ungewöhnliches Nutzungsmuster, <901> interner ebitGuard-Fehler, <902> Formatfehler

Additional response parameters for fraud prevention for credit card payments

Calling the interface for editing a Blacklist

In order to create, read, update or delete a blacklist entry via a Server-to-Server connection, call the following URL:

https://www.computop-paygate.com/BlackList.aspx

Notice: For security reasons, Paygate rejects all payment requests with formatting errors. Therefore, please use the correct data type for each parameter.

The following table describes the encrypted payment request parameters:

Parameter

Format

CND

Description

MerchantID

ans..30

M

MerchantID, assigned by Computop. Additionally this parameter has to be passed in plain language too.

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BlackList.aspx

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MultiExcerptName	Request_Intro
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Table Filter

inverse	false
sparkName	Sparkline
hidePane	true
separator	Point (.)
ddSeparators	true
default	Beschreibung
isFirstTimeEnter	false
hideColumns	true
datepattern	dd M yy
id	1628770053899_-1755451085
worklog	365\|5\|8\|y w d h m\|y w d h m
isOR	AND
order	0

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MultiExcerptName	blacklist_request

Table Transformer

dateFormat	dd M yy
export-word	false
show-source	false
export-csv	false
id	1623142300320_1788005710
transpose	false
worklog	365\|5\|8\|y w d h m\|y w d h m
separator	.
export-pdf	false
sql	SELECT * FROM T*

Table Excerpt Include

static	true
name	MerchantID
page	MerchantID
type	page

Table Excerpt Include

static	true
name	MAC
page	MAC
type	page

Key	Format	CND	Description	Beschreibung

MAC

an64

M

Hash Message Authentication Code (HMAC) with SHA-256 algorithm


EventToken	enum	M	Abbreviation of the action to be done: <Create>, <Read>, <Update> or <Delete>	Abkürzung der auszuführender Aktion: <Create>, <Read>, <Update> oder <Delete>
BlackListInfo	ans

.

..1024

M

Information about the blacklist entry as JSON string in the Base64 format. See table BlackListInfo below.

Information über den Blacklist-Eintrag als JSON-String im Base64-Format. Siehe Tabelle BlackListInfo unten.

Parameters for calling the blacklist editing

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inverse	false
sparkName	Sparkline
hidePane	true
separator	Point (.)
ddSeparators	true
default	Beschreibung
isFirstTimeEnter	false
hideColumns	true
datepattern	dd M yy
id	1628073960744_-1908477973
worklog	365\|5\|8\|y w d h m\|y w d h m
isOR	AND
order	0

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MultiExcerptName	blacklist_response

Table Transformer

dateFormat	dd M yy
export-word	false
show-source	false
export-csv	false
id	1623142603250_-540472738
transpose	false
worklog	365\|5\|8\|y w d h m\|y w d h m
separator	.
export-pdf	false
sql	SELECT * FROM T*

Table Excerpt Include

static	true
name	MID
page	mid
type	page

Table Excerpt Include

static	true
name	MAC
page	MAC
type	page

Table Excerpt Include

static	true
name	Status_OK_FAILED
page	Status
type	page

Table Excerpt Include

static	true
name	Description
page	Description
type	page

Key	Format		CND	Description	Beschreibung

The following table gives the parameters with which Paygate responds:

Parameter

Format

CND

Description

MID

ans..30

M

Merchant ID, assigned by Computop

MAC

an64

M

Hash Message Authentication Code (HMAC) with SHA-256 algorithm

Status

a..30

M

OK or FAILED

Description

ans..1024

C

Further details, if Status=FAILED


BlackListInfo		ans..1024	C	Information about the blacklist entry as JSON string in the Base64 format, if Status=OK. See table BlackListInfo below.	Information über den Blacklist-Eintrag als JSON-String im Base64-Format, wenn Status=OK. Siehe Tabelle BlackListInfo unten.

Result parameters for calling the blacklist editing

BlackListInfo

Following table describes the BlackListInfo object for EventToken Insert:

Parameter

Table Filter

default	Beschreibung
isFirstTimeEnter	false
hideColumns	true
sparkName	Sparkline
hidePane	true
datepattern	dd M yy
id	1623143161172_1145726656
worklog	365\|5\|8\|y w d h m\|y w d h m
isOR	AND
separator	Point (.)
order	0

Multiexcerpt

MultiExcerptName	blacklistinfo_insert

Table Transformer

dateFormat	dd M yy
export-word	false
show-source	false
export-csv	false
id	1623143161173_-540472738
transpose	false
worklog	365\|5\|8\|y w d h m\|y w d h m
separator	.
export-pdf	false
sql	SELECT * FROM T*

Key

Format

CND

Description

Beschreibung

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About Fraud prevention with IP tracking

General information about Fraud prevention

Additional parameters for Fraud prevention

Additional parameters for calling

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interface for credit cards

Calling the interface for editing a Blacklist

BlackListInfo

Paygate

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Old Version 3

New Version Current

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About Fraud prevention with IP tracking

General information about Fraud prevention

Additional parameters for Fraud prevention

Additional parameters for calling

Multiexcerpt includeSpaceWithExcerptENMultiExcerptNamePlatform-NamePageWithExcerptWording interface for credit cards

Calling the interface for editing a Blacklist

BlackListInfo

Multiexcerpt include
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MultiExcerptName Platform-Name
PageWithExcerpt Wording
interface for credit cards