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Warning and Caution Alerts  
The following table provides explanations about the Warning and Caution alerts issued to you by Risk Management Module (RMM), and recommends how you should respond.

Warning and Cautions are designed to help you identify payments that warrant further checks before making a decision about whether to proceed or not with the order or service.

The shopper is not informed about Warning and Caution alerts. If the payment has been authorised by the card issuer, the shopper will assume that the payment is being processed. Shoppers are alerted only if a transaction is actually blocked by the RMM and the payment does not proceed.

RMM result
what does it mean?
what do I do about it?

CAUTION
RMM checks indicate that a moderate level of risk exists.

This may be as the result of failures by the shopper to obtain an authorised payment and then retrying with a different payment method or details. There may be errors in the details provided by the shopper.
You may wish to carry out further checks before fulfilling the order.

For example, check the supplied information for errors, such as, an incorrectly formatted email address, a postcode included in the address as well as the postcode field, country incorrectly selected etc.

Refer to the Introduction to Fraud guide for other useful checks.

WARNING
RMM checks indicate that a high level of risk exists.

This may be as the result of potentially significant inconsistencies in location-based information, for example, the billing address country and the country of issue of the card are different, or by unusual recent activity by either the shopper or the card.
We strongly recommend that you carry out further checks before fulfilling the order.

Check the supplied information to ascertain if location information is consistent, such as, IP location country, card/account holder address, delivery address, domain of the email (.uk .us etc.), format of the telephone number.

Refer to the Introduction to Fraud guide for other useful checks.


The WorldPay Merchant Guarantee does not apply to transactions if you receive a 'Warning’ alert but still accept the order.


Unfortunately, we cannot provide you with additional information regarding the exact reason for an alert. The parameters used by the Risk Management Module provide you with alerts that may change over time, it is important that we protect the details of its operation to make it as difficult as possible for fraudsters to circumvent the system.

We are also prevented by Data Protection legislation from divulging details of specific shoppers' purchasing activities with other merchants other than to the proper authorities.


Shopper's IP Address, Shopper IP Country and Card Issuer Country Results
The Shopper's IP Address, Shopper's IP Country and Card Issuer Country are displayed for each transaction in the Risk Details section of the Payment and Order Details pop-up box, available from the Payments page. Refer to screen print in Where Risk Results are Displayed.

Using information held here you are able to check the country displayed in the Card Issuer Country field with the country displayed in the Customer Address field (under Payment Details) and investigate if no match is found. For further details about the checks you can make, refer to the Introduction to Fraud guide.

If you suspect transactions from a particular IP address are fraudulent, then you can use details held in the Shopper IP Address field to block further transactions from that IP address. Refer to the Purpose and Use - Risk Management page.

Geographic Regions
If you are having specific issues with fraud from one or more countries you can request to add specific country restrictions to the Risk Management Module. A country restriction can restrict all future orders where at least one of the following shopper details matches your country criteria:

billing country

card issue country

IP country.


Note that this may only be requested as an anti-fraud measure to address a specific fraud issue. It must not be used as part of a business process, for example, to limit your orders to regions where you have shipping options available.


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