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Beagle Anti-Fraud

Beagle is an extenstion of eWAY's standard Beagle Anti-Fraud system, and provides additional information to the merchant regarding the validity of each transaction, and the ability to block and be notified of transactions that they may deem to be risky. Beagle can be customised by each individual merchant, so the rules apply directly to your own unique business model.

3D-Secure

Setting Your Beagle Rules
Once you have activated Beagle, you will need to set the anti-fraud rules that best suit your own business model.

The following rules can be set by merchants to provide the level of fraud detection they need:

Rule Description Action
Country Matching Block transactions where the country of the IP address does not match the billing address. Block/Allow
Australia Only Transactions Block transactions where the country of the of the card issue, billing address of IP Address are not Australia. Block/Allow
High Risk Country Block transactions where the IP address country or billing address country is in a commonly regarded high-risk country (Egypt, Ghana, Indonesia, Lebanon, Macedonia, Morocco, Nigeria, Pakistan, Romania, Serbia and Montenegro, Ukraine, or Vietnam). Block/Allow
Anonymous Proxy Block transactions where IP address is Anonymous Proxy - Anonymous Proxies are used to attempt to bypass Geolocation controls (anonymous proxy = very high risk). Block/Allow
Transparent Proxy Block transactions where IP address is in our database of known transparent (high risk) proxy servers. Block/Allow
Free Email Block transactions where Email is from a free e-mail provider. Block/Allow
If a rule is set to be Block and a transaction breaches that rule, the transaction will be not be sent to your merchant bank for processing. As a merchant, you can also set a notification method for whenever each rule is breached. You can be notified by email and/or SMS, or not at all. This gives merchants the opportunity to contact the customer to determine if they are a bona fide purchaser, and refund them if they feel the transaction may be risky.

The above rules can be set in the eWAY Business Centre.

Using Beagle Platinum in Real-Time
To utilise Beagle, some additional information to our standard gateways must be passed to the Beagle gateway. Beagle is currently only available via an XML Gateway.

For the technical details on the Beagle XML Gateway, including field specifications and definitions, sample code and test account procedures, please see the Beagle XML Payment Technical Support Pages.

Viewing Beagle Details
The following informatin is recorded by Beagle, and can be viewed in the details of each transaction when Beagle is enabled by a merchant:

Field Format Description
Geographical & IP Address Location Checks
Country Match Yes or No Whether country of IP address matches billing address country (mismatch = higher risk)
Country Code Two-letter ISO-3166 code Country Code of the IP address
High Risk Country Yes or No Whether IP address or billing address country is in Egypt, Ghana, Indonesia, Lebanon, Macedonia, Morocco, Nigeria, Pakistan, Romania, Serbia and Montenegro, Ukraine, or Vietnam.
Distance Rounded integer Distance from IP address to Billing Location in kilometers (large distance = higher risk)
IP Region Two character string ISO-3166-2/FIPS 10-4 code Estimated State/Region of the IP address, ISO-3166-2/FIPS 10-4 code
IP City String Estimated city of the IP address
IP Latitude Degrees Estimated latitude of the IP address
IP Longitude Degrees Estimated longitude of the IP address
IP ISP String ISP of the IP address
IP Organization String Organization of the IP address
Proxy Detection
Anonymous Proxy Yes or No Whether IP address is an anonymous proxy (anonymous proxy = very high risk)
Proxy Score Decimal from 0 to 10 Likelihood of IP Address being an Open Proxy
Transparent Proxy Yes or No Whether IP address is in our database of known transparent proxy servers, returned if forwarded IP is passed as an input
E-mail Checks
Free Mail Yes or No Whether e-mail is from free e-mail provider (free e-mail = higher risk)
Carder Email Yes or No Whether e-mail is in database of high risk e-mails
Issuing Bank BIN Number Checks
BIN Country Two-letter ISO-3166 code Country code of the bank which issued the credit card based on BIN number
BIN Name String Name of the bank which issued the credit card based on BIN number. Available for approximately 96% of BIN numbers
BIN Phone String Customer service phone number listed on back of credit card. Available for approximately 75% of BIN numbers
Address & Phone Number Check
Shipping Forward Address Yes, No, or NA Shipping address is in database of known mail drops
Beagle Platinum Scores
Score Decimal from 0 to 10 Overall fraud score based on outputs listed above. This is the original fraud score, and is based on a simple formula
Explanation String A brief explanation of the score, detailing what factors contributed to it, according to our formula
Risk Score Decimal from 0 to 100 Fraud score representing the estimated probability that the order is fraud, based off of analysis of past Beagle transactions