Managing Scams

When Scam Transaction Monitoring has been set up successfully, any suspected scams can be sent to Fraud Portal to be assessed. Scams appear in Fraud Portal in the same way as fraud events do, and are managed the same way too.

If the incident is a scam, the Scam Detect Score displays on the activity. Navigate to the Incidents page in Fraud Transaction Monitoring Portal by clicking on the Incidents tab.

Figure 3: Viewing the Scam Detect Score field for a potential scam incident

Scam activities work in the same way as fraud activities, where a risk analyst should review the activity and decide whether there is a risk there. For more information on how to manage risks, see the Fraud Transaction Monitoring Portal Guide.

Scam Transaction Monitoring Webhook Notification

The Scam Transaction Monitoring webhook notification enables you to action your pending payments based on the outcome of the manual review. When the webhook service has been successfully set up, notifications will be sent when:

  • There is a payment event only. For example, a non-card event

  • An incident is reviewed (one message per alert reviewed) and set to Risk or No Risk

To use these notifications, you must first set up a webhook using the webhook event that allows for scam alerts to be sent. Scam alerts are sent using the 105 event code. When an event is processed in Scam Transaction Monitoring, a message is sent in near real time using the webhook.

See the following example of an API request to create a webhook to support scam notifications.

Copy 
{
  "programManagerCode" : "TRD",  
  "productId": 12345,
  "events": [105],
  "webhookStatus": "active",  
  "config": {
    "url": "https://client_domain.com/webhook",
    "customHeaders": {
      "header1": "value_1",
      "header2": "value_2"
    }
  }
}

When the webhook is created, the notification is sent with details of the transaction, the event id, the review status and review date. The following example shows the response of a 105 event code.

Copy 
{
  "context": {
    "programManagerId": 16,
    "eventCode": 105,
    "eventVersion": "v1",
    "notificationTime": "2024-11-24T11:20:28Z",
  },
  "payload": 
   {
      "transactionId": "123412341234",
      "eventid": "55221979-a4cd-4d7a-bb0c-1b3f0b7cb92c",
      "reviewStatus": "no-risk",
      "reviewDate": "2024-11-24T09:15:10.086Z"
   },
  "messageHeaders": {
    "schemaId": 1
  }

For more information on creating and managing webhooks, see Introduction to Webhooks.