Integration to Payments & Fraud is simple. Here's how.
- Sign up for a sandbox account.
- Place a JS Data Collector on your storefront (for gathering key machine data).
- Integrate to a few key APIs and you're set.
Our Payments & Fraud service will convert your order to a sale (or catch fraudsters in the act).
Here's how the APIs work.
Step 1: Payment authorization (credit card)
Let's get your customer authorized.
- At time of checkout capture the shopper’s payment information.
There are ways we can help you do this safely and securely to keep you PCI Compliant.
- Send the payment details to us using a CreditCardAuthRequest message.
- We’ll work with the banks to get the transaction authorized (and tokenize the response).
- We send back a tokenized response using a CreditCardAuthReply message.
- You present the response to the shopper in your checkout.
Check out some documentation on this step:
CreditCardAuthRequest CreditCardAuthReply Detailed technical flow
Step 2: Fraud Assessment
Let’s block the bad customers (and let in the good)!
- Shopper submits their order on your Webstore where you will capture environmental details about the customer's session using Radial Device Fingerprint, a Javascript function provided by Radial. This data is sent from the customer's browser to your webstore server
- Send us the environmental data and order details using a RiskAssessmentRequest message.
- We’ll instantly determine if it’s a good customer, a fraudster, or needs a quick review.
- We instantly send a message back to you using a RiskAssessmentReply message.
- Receive the message and disposition the order in your OMS (fulfill, cancel, or hold).
Check out some documentation on this step:
RiskAssessmentRequest RiskAssessmentReply Radial Device Fingerprint Detailed technical flow
Step 3: Ready to ship
Let's get you paid!
Right before you ship:
- Make sure the customer’s funds are still valid using ConfirmFunds.
- We'll confirm the funds with the bank and respond using ConfirmFundsReply.
When you ship:
- Send us the payment details using PaymentSettlementRequest (helps you get paid).
- Send us the order details using RiskOrderConfirmationRequest (helps us to track and cover any fraud).
- We’ll work with the bank to get your funds...
- And confirm using PaymentSettlementStatus.
Check out some documentation on this step:
PaymentSettlementRequest PaymentSettlementStatus
RiskOrderConfirmationRequest Detailed technical flow
Of course there’s lots of other cool things you can do:
Complete list of payment schema Complete list of fraud schemas Full library of response codes
Key alternate payment methods to boost site's conversion and AOV:
Up to 5.3% incremental new buyers. 2.7% more incremental spend from new buyers |
Recurring Payments | |||
Apple Pay user base growing, up 3 times with transaction volume up 500%. |
Private Label Credit Cards | |||
48% of merchants significantly improved average order value Coming soon! |
Gift Cards | |||
Open Invoice | ||||
#1 Preferred payment method for Chinese shoppers claiming 50% of all online transactions. |
Don’t see one you’re looking for? Don’t worry, we can build it (or may already be working on it).