Fraud Score API: Verify Customer Before Payment 🛡️

Introduction

Chargebacks are an e-commerce nightmare. If your rate exceeds 1%, Stripe or PayPal may ban your merchant account. The solution? Automated pre-check via Fraud Score API.

How It Works

When a user clicks "Pay", your backend sends data (IP, Email, User-Agent) to the Risk API. You get a Score (0-100).

• 0-30: Clean.
• 30-70: Suspicious (Force 3D Secure).
• 70-100: Fraud (Block).

Node.js Integration Example

const checkFraud = async (userIp, userEmail) => {
  const response = await fetch('https://api.mmas.shop/v1/fraud-score', {
    method: 'POST',
    body: JSON.stringify({ ip: userIp, email: userEmail })
  });
  
  if (data.score > 75) {
    return 'BLOCK_TRANSACTION';
  }
};

Key Checks

1. IP Reputation: Is it in spam blacklists?
2. Email Domain: Is it a disposable email?
3. Geo Mismatch: IP in Nigeria, Shipping in USA?
4. Proxy: Is VPN/Tor used?

Conclusion

Integration takes 30 mins but saves thousands in fines.

👉 Get API Key