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Blocking rulesets

Last updated: 19-Sep-2022
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Overview

Verifone's Blocking Rulesets feature enables merchants to set certain rules, based on which transactions are automatically blocked by Verifone, without informing the cardholder of the transaction decline reason. As a result, merchants can save fees for transactions that are not forwarded for further processing. If the transaction activates a blocking ruleset, it is declined by Verifone.

Availability

The Blocking Rulesets in Verifone Central can be used by any user with a Merchant Admin role.

Blocking rulesets in Verifone Central

Blocking rulesets can be set for any merchant entity and can only be viewed by the merchant entity they were set up for.

Note that a child entity does not inherit the blocking rulesets of the ancestral entities.

Within a blocking ruleset, you can set any of the following rules:

  1. Amount  the rule is triggered if the transaction amount fulfils the operator criteria. 
    • The following operators are permitted:
      • is less than
      • is less than and equal to
      • equals to
      • is not equal to
      • is greater than or equal to
      • is greater than
    • The value field accepts any number.
  2. Currency Code the rule is triggered if the transaction currency code fulfils the operator criteria.
    • The following operators are permitted:
      • equals to
      • is not equal to
    • The value field is a drop-down of all transaction currency codes that Verifone accepts.
  3. Customer the rule is triggered if the shopper's name or email address fulfils the operator criteria. 
    • The following operators are permitted:
      • equals to
      • is not equal to
    • The value field accepts any text.
  4. Customer Country Code  the rule is triggered if the shopper's country code fulfils the operator criteria. 
    • The following operators are permitted:
      • equals to
      • is not equal to
    • The value field is a drop-down of all country codes that Verifone accepts. 
  5. Customer IP  the rule is triggered if the shopper's IP address fulfils the operator criteria. 
    • The following operators are permitted:
      • equals to
      • is not equal to
    • The value field accepts IP-formatted content.
  6. Customer IP Country  the rule is triggered if the country code of the shopper's IP address fulfils the operator criteria. 
    • The following operators are permitted:
      • equals to
      • is not equal to
    • The value field is a drop-down of all country codes that Verifone accepts. 
  7. Issuer Country  the rule is triggered if the country code of the shopper's payment card issuer fulfils the operator criteria. 
    • The following operators are permitted:
      • equals to
      • is not equal to
    • The value field of all country codes that Verifone accepts. 
  8. Entity  the rule is triggered if the merchant entity that initiated the transaction fulfils the operator criteria. 
    • The following operators are permitted:
      • equals to
      • is not equal to 
    • The value field accepts any number. 
  9. 3DS enrollment status - the rule is triggered if the 3DS enrolment status provided during the 3DS process fulfils the operator criteria.
    • The following operators are permitted:
      • equals to
      • is not equal to
    • The value field accepts the following values:
      • Y - Yes, Bank is participating in 3-D Secure protocol and will return the ACSUrl.
      • N - No, Bank is not participating in 3-D Secure protocol.
      • U - Unavailable, the DS or ACS is not available for authentication at the time of the request.
      • B - Bypass, merchant authentication rule is triggered to bypass authentication in this use case.
  10. 3DS authentication status - the rule is triggered if the 3DS authentication status provided during the 3DS process fulfils the operator criteria.
    • The following operators are permitted:
      • equals to
      • is not equal to
    • The value field accepts the following values:
      • Y - Successful Authentication.
      • N - Failed Authentication.
      • A - Successful Attempts Transaction.
      • C - Challenge Required for Authentication.
      • R - Authentication Rejected.
      • U - Unable to Complete Authentication
  11. 3DS signature verification - the Rule is triggered if the 3DS signature verification provided during the 3DS process fulfils the operator criteria.
    • The following operators are permitted:
      • equals to
      • is not equal to
    • The value field accepts the following values:
      • Y - Indicates that the signature of the PARes has been validated successfully and the message contents can be trusted.
      • N - Indicates that the PARes could not be validated. This result could be for a variety of reasons; tampering, certificate expiration, etc., and the result should not be trusted.
  12. 3DS error -  the Rule is triggered if an error value provided during the 3DS process fulfils the operator criteria.
    • The following operators are permitted:
      • equals to
      • is not equal to
    • The value field accepts any number
 You can set multiple blocking rulesets for a merchant entity. You can also combine multiple rules in a blocking ruleset, and all of them must be triggered for the blocking ruleset to be activated. If at least one blocking ruleset is activated for a merchant entity during a transaction, then the Verifone Validation Service blocks that transaction.

Workflow

Add a blocking ruleset

To add a blocking ruleset, follow these steps:

  1. Log in to your Verifone Central account.
  2. Navigate to Administration and click on Blocking Rulesets.

blocking rulesets 1

 3. Provide a label for your new ruleset and select the rules you want to add from the drop-down list. After you select a rule and its values, click on Add rule.

ruleset

4. After adding the desired rules to your new ruleset, click on Create ruleset.

ruleset2

 5. Your new ruleset is created.

blocking rulesets 6

 6. You can add a new ruleset by clicking on Add new ruleset. You can set multiple rulesets for a merchant entity.

blocking rulesets 2

Edit a blocking ruleset

To edit/change a ruleset, follow these steps:

  1. Log in to your Verifone Central account.
  2. Navigate to Administration and click on Blocking Rulesets.
  3. Click on the ruleset you want to edit.
  4. In the next window, click on Edit ruleset.
  5. Update the ruleset and click Save changes.

blocking rulesets 7

Verifone Validation Logic

To provide an example of the Verifone validation logic, let us assume that you set up the following two blocking rulesets for a given merchant entity:

  1. Blocking Ruleset A
    • Rule 1: Issuer Country equals to Country A
    • Rule 2: Amount is greater than 100
    • Rule 3: Currency Code equals to Currency Code B
  2. Blocking Ruleset B
    • Rule 1: Customer Country Code is not equal to Country Code C

After saving the blocking rulesets, transaction #001 is initiated with the merchant entity with the following properties:

  • 99 Currency Code B with Issuer Country A from Shopper Country D

And the following logic is applied by the Verifone Validation Service for Transaction #001:

  • Blocking Ruleset A, Rule 1 is triggered
  • Blocking Ruleset A, Rule 2 is not triggered
  • Blocking Ruleset A, Rule 3 is triggered
  • Blocking Ruleset A is not activated
  • Blocking Ruleset B, Rule 1 is triggered
  • Blocking Ruleset B is activated
  • Result: The Transaction is blocked by the Verifone Validation Service

Transaction #002 is initiated with the merchant entity with the following properties:

  • 101 Currency Code A with Issuer Country B from Shopper Country C

The following logic is applied by the Verifone Validation Service for transaction #002:

  • Blocking Ruleset A, Rule 1 is not triggered
  • Blocking Ruleset A, Rule 2 is triggered
  • Blocking Ruleset A, Rule 3 is not triggered
  • Blocking Ruleset A is not activated
  • Blocking Ruleset B, Rule 1 is not triggered
  • Blocking Ruleset B is not activated
  • Result: The transaction is not blocked by the Verifone Validation Service, and is sent for further processing
  The transaction might still be declined by other parties in the acquiring chain.

Blocking rulesets use cases

Amongst others, Verifone's blocking rulesets feature can be used for use cases such as:

  • If there are any IPs or customers known to be fraudulent, you can preemptively block them to avoid future fraudulent activities.
  • Also, as a merchant, you might be asked by an acquirer or by a local government to comply with regulations or national laws and not be in business with certain countries.
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