X-Payments:Signifyd fraud protection and chargeback prevention

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X-Payments 3.1.0 and later provides an integration with Signinfyd, a popular fraud protection solution for E-Commerce.

When a buyer places an order in a store connected to X-Payments making a payment via a payment method protected by Signifyd, the order information gets sent to Signifyd. Signifyd creates a case for the order within the Signifyd Console evaluating the respective payment transaction via its own proprietary algorithms. As a result of this evaluation, the transaction is assigned a certain score reflecting its level of safety/riskiness for the merchant. The merchant can set a specific score level that will enable them to know that a transaction is safe and may be processed automatically. If a transaction is deemed risky (potentially fraudulent), it will be marked as requiring manual review by the merchant. The merchant can then investigate the order information in the Signifyd Console and make an informed decision as to whether they should accept or decline the respective payment transaction.

More information on Signifyd is available on the Signifyd website:

Setting up your Signifyd integration

To start using Signinfyd to score the payment transactions that take place in your store connected to X-Payments, complete the following steps:

  1. Contact Signifyd Sales team to apply for a Signifyd account.
  2. Make sure you are using X-Payments 3.1.0 or later.
  3. Log in to your X-Payments.
  4. Make sure you have an online store configured in X-Payments (Settings > Online store).
  5. Set up an X-Payments payment configuration that you intend to use with Signifyd:
    In the Settings > Payment configurations section of X-Payments, add the payment configuration and adjust all the necessary settings for it. In the Antifraud service field, select "Signifyd - Guaranteed Fraud Protection":
    Xp31 signifyd option.png
    Click Save.
  6. Once the payment configuration details have been saved, a Configure link for Signifyd will be displayed near the Antifraud service field.
    Xp31 signifyd configure link.png
    Click on that link to access the Signifyd configuration settings page in X-Payments.
    As an alternative, you can access your Signifyd configuration settings via a link on the Payment Configurations page:
    Xp31 signifyd configure link2.png
    The Signifyd configuration settings page looks like the following:
    Xp31 signifyd configuration 4 auth net.png
  7. In a new browser tab or window, go to the Signifyd console at https://app.signifyd.com/
    Xp31 signifyd app login screen.png
    Make sure you have a team set up in your Signifyd account (See "How do I create a team"). Also make sure you have an API key generated for that team (See "How do I create an API key").
  8. On the page with Signifyd configuration settings in X-Payments, find a URL in the field marked "Enter the following URL in the Webhook Address field". The URL should look like https://<your_xpayments_domain>/callback.php. Copy this URL to clipboard, switch back to the browser tab or window where you have the Signifyd console open.
  9. Go to the Notifications page, scroll down to the Webhooks section.
  10. Use the Webhooks section to add some webhooks. To create a webhook, paste the URL you have copied into the Webhook Address field, then select the proper Team and Event Type values.
    Xp31 signifyd notifications webhooks.png
    You should create webhooks for each of the following event types:
    • Case Creation,
    • Case Rescore,
    • Case Review,
    • Guarantee Completion.
      As a result, your Webhooks section should look similar to the following:
      Xp31 signifyd notifications webhooks1.png
  11. Get the API key for your team

Xp31 signifyd configuration 4 auth net1.png

Xp31 signifyd enabled.png

Xp31 signifyd event successfully posted.png

Using Signifyd to score transactions (X-Cart 5)

Xp31 signifyd order list view.png

Xp31 signifyd check result manual review.png

How does Signifyd score a transaction?

Xp31 signifyd manual review.png

Xp31 signifyd accept decline.png

Xp31 signifyd payment info.png

Xp31 signifyd check result passed.png