FraudMind™ Fraud Prevention and Security

Block transactions and restrict ordering

Upmind includes a thorough fraud scanning system, FraudMind™. In this article, we explain how FraudMind™ works and how you can configure it for your needs.

As an online business, you need to protect yourself against fraudulent orders. You do not want malicious users using your products and services, and you do not want to allow payment from a stolen card or payment source which may later be charged back. The events can result in administration hassles and fines from your payment processors.

In addition, there may be certain clients you wish to block from placing new orders because of past history.

How FraudMind™ works

FraudMind™ scores every order placed by a client out of 100. The higher the score, the more likely the order is fraudulent.

To build a score, we look at a number of data points including:

  • Client location
  • Distance between profile address and IP address
  • IP owner (for instance are they using a proxy service)
  • Order history
  • Login history

Based on the FraudMind™ score, you can choose to block the order or allow it but flag the order for your attention (we call this latter option a 'review'). Thresholds for each option are configurable in the Settings area.

Blocks and reviews

Blocks and reviews have separate functions.

  • Blocking an order stops the client from completing payment and prevents order activation. The order must be approved by a staff member (see below) before the client can make payment.
  • Flagging an order for review allows the client to complete payment and order activation. However, Upmind flags the order in your staff dashboard. You can also configure a support ticket to be raised should an order be flagged or blocked.

In future developments, we imagine that the 'review' status will include further automatic client verification and KYC processes such as ID uploading.

Setting fraud thesholds

Configure your own FraudMind thresholds in the Fraud Settings tile under Settings. Use the sliding scale to set the threshold for what constitutes a possible fraud.

  • The lower the score, the more fraud warnings you receive.

There are threshold sliders to flag orders as needs manual review and fraud. When FraudMind detects a fraud order, the order is blocked and your store cannot process the payment.

Check a circle to set the reaction when FraudMind detects a fraud.

  • Check the first circle to open a ticket.
  • Check the second circle to ignore fraud detections.

Set reaction when fraud detected

Changing a client's fraud status

Each client has a fraud status: Approved, Review, or Blocked. The status is automatically set by FraudMind when an order is placed.

If you approve a blocked order, the client can continue and make payment.

You can change the fraud status of a client.

  1. Go to the Client overview page.
  2. Click the fraud status.

Change fraud status

  1. On the new window, click a tile to change the fraud status.
  2. To add more conditions, click the field and select an option on the drop-down menu.

Click tile to change fraud status

High level blocks

In addition to automated fraud scanning, you can configure manual country and IP blocks. On the Fraud settings page, in addition to the threshold scores, you can set:

  • Country rules
  • IP rules

These may not necessarily be blocks you put in place because of fraudulent orders, but you may want to block specific clients or locations from placing an order. These blocks prevent an order from being placed.

Creating country fraud rules

You may be forbidden from doing business with specific countries. For instance, the U.S. currently imposes an embargo against Crimea, Cuba, Iran, North Korea, and Syria.

In these cases, you might want to block any client in those countries from placing an order with you.

When adding the country, choose to blacklist the country. The grey list rule allows orders subject to manual review.


Block specific countries

Creating IP fraud rules

Create rules to white list, grey list or black list based on an IP.

  1. Click the Add IP rule button.
  2. Select a rule (white, grey or black list).
  3. Enter the IP.
  4. Click Add.

Block location based on IP