Whenever a transaction is processed through your account the information of the payment is passed through to Featurespace.

Featurespace will then use this information to perform checks and provide you with a score for the transaction. This score will then be displayed within MyOpayo as part of the fraud prevention checks available on your account.

Once a transaction has been processed through your account the details of the transaction are passed through to Featurespace for a score to be built.

Featurespace will use all transactional information to provide you with a score and a rating for each transaction. 

Have a look to see what checks are carried out by the Featurespace.

Once Featurespace have reviewed the transaction you will be given a numerical score, along with a rating.  

The available ratings are:

• OK    – Low Risk 
• REJECT    – High Risk

Along with the scoring, and ratings, Featurespace results will be available to you within MyOpayo using a traffic light display. 

The colour coding of each rating gives you a visual indication of the possible risk of each transaction.  

You can then decide what action you would like to against the transaction.

All transactions processed through the Opayo system are available to you within MyOpayo.

To view the scores that have been provided simply log into your MyOpayo and click on the “transactions” tab. 
 

You will then see your transaction list along with Featurespace rating.  

To view the scoring breakdown further you will need to click on the individual transaction followed by “fraud results” tab.  

• Helps to avoid fraud and chargebacks - By using Featurespace scoring system you will be able to identify transactions that are highlighted as risks and take steps to prevent fraud on your account. Featurespace provide you with more information about the person making the purchase and lets you identify fraud before it takes place.
• No integration and Easy to use - Featurespace is available to you as soon as your account is live within MyOpayo.  Also there is no integration that you need to take in order to have this on your account.
• Informative - the detailed risk analysis will provide you with the reasons why a transaction was given a particular fraud score. This will aid your decision making on whether or not you wish to accept or reject a transaction.

Some of the parameters that are screened are: 

• Multiple addresses used by the same person or card. 
• Repetitive names or addresses used. 
• Similar names or addresses used. 
• Repetitive card attempts. 
• Delivery to 3rd party or high-risk postal areas, etc.

Alongside the above information Featurespace also check over 100 different variables to provide you with a score, and a rating for each transaction.

As well as validating the details the shopper has provided Featurespace system also looks at a number of other parameters to build score:

• Who is making the transaction? 
• What are they buying? 
• Where is it to be delivered? 
• When was it ordered and when will it be delivered?

The information that is validated by Featurespace is solely based on details provided with the transaction.  

If any of the shopper’s information differs from the details they have provided with the transaction the score will not be valid.

The scores that are provided to you are based exclusively on the information that is submitted with the transaction.  

Details of the e-mail, delivery address, phone numbers, and IP addresses must be provided wherever possible. 

Please remember that the more transactional information you provide to us, the more accurate the risk score will be.