 Payment Optimization response fields are returned during the pre-authentication response.  These fields provide decision-support guidance for authentication behavior prior to authorization.

Payment Optimization Pre-Auth Response Values

 Below are the required fields and expected values.  To discuss how to populate these fields accurately, please contact your implementation specialist.

Payment Optimization Post-Auth Fields

 Below is an example JSON structure for the post-authorization update.

Payment Optimization Post-Auth Example

Payment Optimization Post-Auth Requirements

Data and Responses

repbuilder

passwordless

inrisk

passkey

gateway

deviceserver

mobile

browser

riskID

extract

profiles

index

documentationplatform

returnssolution

protectionproduct

chargebackproduct

fraudproduct

Provides mobile device identification and risk assessment via Software Development Kits (SDKs) for Android and iOS devices.

InMobile

Accertify's post-transaction product that manages the chargeback process for merchants.

Chargeback_Module

The act of a credit card company charging a merchant for goods that a merchant consumer claims they either did not purchase or did not receive. Onus is on the merchant to prove the consumer made the purchase and the merchant delivered the goods.

Chargeback

A service that lets you choose a key field (such as email address) and define the fields you want to collect alongside it to create new data points you can add to the Transaction Detail screen or write rules against.

Profile_Builder

Accertify's platform can monitor the entire fraud lifecycle, including pre-transaction, payment, and post-transaction risk.

Interceptas_Platform

platformname

Device (formerly known as InBrowser) is Accertify’s browser-based data collection solution that gathers transaction and device data from end-user browsers and transmits it to Accertify servers for risk analysis.

Device

A product that collects device attributes, user behavior data, and authentication signals via JavaScript to support risk analysis and decisioning.

Accertify_Data_Collector

A solution that pairs with Fraud Management to mitigate risk associated with claims, adjustments, refunds, returns, reshipping, and exchanges.


CARE

An Accertify product that uses the Interceptas® Data Management Platform to process transaction data and enable users to address their fraud risk.

Accertify_Fraud_Management

The Accertify Case Management feature is the user interface within the Interceptas Platform.

Case_Management

Accertify Risk ID. A cross-client consortium of positive and negative data points.

ARID

An Accertify product that streamlines all aspects of the chargeback management process from review of a client’s payment, to receiving the chargeback, and submitting a representment response

Accertify_Chargeback_Management

Accertify Chargeback Management (ACM) is our official product offering. It helps to streamline all aspects of the chargeback management process from review of a client’s payment, to receiving the chargeback and submitting a representment response. 

A historical reputational data set that produces a risk assessment between 0.000 and 1.000, with the higher probability indicating a higher risk of fraud.

Accertify_Index

A group of Accertify products that analyze device attributes, environmental signals, and behavioral patterns to support event and transactional fraud decisions.

Device_Intelligence

An Accertify product that combines continuous monitoring and machine-learning algorithms to identify risky events that occur on Client websites using the five pillars: Device, Connection, Location, Behavior, and Reputation.

Account_Protection

companyname

alldeviceproductname

supportEmail

APIs

API Reference Page

Documentation Structure

Getting Started

Shared Core Data Model

Industry Specialization

SCA Optimization

3DS Optimization

RiskBased Authentication (RBA)

Integration Requirements

Payment Optimization

Core Concepts

Authentication Methods

Importer ID and Endpoint Provisioning

Transaction Lifecycle Contexts

Hashing Requirements

Accertify Hash Algorithm

Error Handling

Global Constraints

Full Path

Retail API Changelog

Accertify Retail Fraud API

Accertify Retail Fraud API (EU)

Retail API Overview

Airline API Changelog

Accertify Airline Fraud API

Accertify Airline Fraud API (EU)

Airline API Overview

Gaming API Changelog

Event Overviews

Accertify iGaming API Account and Login

Accertify iGaming API Deposit and Withdrawal

Gaming API Overview

Travel API Changelog

Accertify Travel Fraud API

Accertify Travel Fraud API (EU)

Travel API Overview

Ticketing API Changelog

Accertify Ticketing Fraud API

Accertify Ticketing Fraud API (EU)

Ticketing API Overview

Theme Parks API Changelog

Accertify Theme Parks Fraud API

Accertify Theme Parks Fraud API (EU)

Theme Parks API Overview

Fraud APIs

Chargeback API Changelog

Transaction Matching

Exporting Transactions

Accertify Chargeback Management API

Chargeback API Overview

Chargeback Search API Changelog

Accertify Chargeback Search API

Chargeback Search API Overview

Dispute APIs

Account Protection API Changelog

Accertify Account Protection API

Account Protection API Overview

CARE API Changelog

Accertify CARE API

Accertify CARE API (EU)

CARE API Overview

Accertify Index API

Accertify Index API Overview

Accertify Data Privacy Request Submission API

Data Privacy API Overview

Risk and Intelligence APIs