X-Payments:KOUNT Antifraud screening

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X-Payments user manual
  1. X-Payments:General information
  2. What's New
  3. System requirements
  4. Installation
  5. Two-factor user authentication
  6. Configuring X-Payments
  7. Managing users
  8. Customizing the interface
  9. Managing payments
  10. Unistalling X-Payments
  11. Upgrading
  12. Moving X-Payments from one host to another
  13. Viewing X-Payments logs
  14. FAQ
  15. Troubleshooting
  16. Glossary
  17. Supported payment gateways
  18. Popular Payment Methods Configuration Instructions


To help you protect your business against fraud, X-Payments versions 2.1 and later provide integration with a powerful fraud detection and prevention solution by Kount. Kount delivers an all-in-one, SaaS model fraud and risk management platform for merchants operating in card-not-present (CNP) environments and looking to root out fraudsters and increase revenue. For each transaction, Kount’s real-time "decisioning" engine analyzes hundreds of relevant variables and activity across the globe. Kount applies a multitude of proven and patented technologies including Multi-layered Device Fingerprinting®, Proxy Piercer® geolocation tools, statistical scoring, rules-based fraud detection, cross-merchant linking, and Persona behavioral modeling. Kount's proprietary technology has reviewed hundreds of millions of transactions and provides maximum protection for some of the world's best-known brands.

For more information or to request a personal demo of Kount, contact Kyle Allred at KBA@Kount.com or call 208-489-2773.

To start using Kount for online payment fraud screening in X-Payments, complete the following steps:

  1. Sign up for a Merchant account with Kount at http://www.kount.com. You will be provided with some credentials that you will need to configure Kount fraud screening in X-Payments: your Merchant ID and your Site ID. Take note of this information.
  2. In the Kount Agent Web Console (AWC), create your API Key(s).
    Kount api keys.png
    API Keys are required to authenticate to Kount. Note that Kount has separate environments for testing and production, and API Keys must be created and used for each of the environments separately. Kount's instructions for creating API Keys can be found here: https://support.kount.com/s/article/Create-an-API-Key.
  3. In the Kount Agent Web Console (AWC), adjust credit card validation rules for your online store.
  4. Log in to X-Payments and locate the payment configuration for which you want to use Kount fraud screening. For the sake of example, we are going to enable KOUNT for the payment configuration "First Data Payeezy Gateway (ex- Global Gateway e4)".
    Firstdata pconf.png
    Open the details of the chosen payment configuration for editing.
  5. In the payment configuration details, check the Antifraud service setting. If you haven't been using any antifraud service for the current payment configuration so far, this field will be set to "Not enabled".
    Antifraud service.png
    Reset this field to "KOUNT Antifraud screening".
    Kount selected.png
    Click Save to save the changes.
  6. Configure KOUNT for the current payment configuration:
    1. Click Configure.
      Kount configure.png
      The KOUNT settings page for the current payment configuration opens:
      Firstdata kount.png
    2. Adjust the KOUNT settings:
      Kount fd settings.png
      • Status (Not configured / Enable / Disable): This setting indicates whether KOUNT module is active. For now just leave it as is. After you provide the rest of the required settings (below) and save the changes, KOUNT module will be enabled automatically. You will then be able to use this setting to disable/re-enable KOUNT for your current payment configuration as you require

.

      • Merchant ID: Specify your Merchant ID as was provided to you by Kount.
      • Site ID: Specify your Site ID.
      • Test/Live mode: Use this to set the operation mode for Kount fraud screening service - Test or Live. For access to the Kount AWC in Live mode use the address https://awc.kount.net, in Test mode - the address https://awc.test.kount.net.
      • Description of products: Common name of the products sold by your store.
      • Mode for RIS update request: Choose one of the available options (X: Update data and re-validate transaction against rules or U: Update transaction data only). Mode X is recommended if rules are based on the AVS information returned from the payment gateway. Note that additional charges may apply for Mode X.
    1. Choose API key as your authentication method: on the API key tab, enter the API key you have created in the AWC.
      Kount api key tab.png
      Authenticating via an API key is the recommended method. There is also a separate tab with fields for RIS Certificates, but if you have an API key you do not want to use them as RIS Certificates are deprecated in Kount API and remain for backward compatibility only.
    2. Click Save to save your settings.
  1. Make sure Kount fraud screening is enabled:
    Kount enabled.png

Once Kount antifraud screening has been configured and enabled for a specific payment configuration, any new payment transactions for this payment configuration will be screened by Kount, and you will be able to view the screening results on the Payment details page:

Kount results.png


In X-Cart stores, it is also possible to view the results of screening by Kount in the order details via the store's back end. On the order details page, you will need to click the View payment information link:

View payment info Kount results.png

Kount screening results will be displayed in a popup window:

Kount xc results.png