Smart Rules

When perpetrators gain access to cards and OTP or UPI details, they attempt to execute numerous transactions rapidly. Smart Rules offers a solution by allowing you to set restrictions on email address, mobile number, card details, and UPI within a defined time frame, thereby mitigating sudden increases in fraudulent activities. You can create a smart rule to block any transactions that exceed the set:

• Transaction limit
• Amount limit

Create a smart rule

Follow the instructions below to create a smart rule based on transactions:

1. Log in to the Payment Gateway dashboard using your credentials.
2. Click Riskshield > Smart Rules from the navigation pane on the left.
3. From the Smart Limits screen, click + Create a Smart Rule.

1. In the Create a Smart Rule popup, enter the following information:

   • Do not Allow - Use the radio button to create a smart rule.

     • Transactions Count - Select this option to create a smart rule based on the number of transactions.
     • Cumulative Amount (Total GMV) - Select this option to create a smart rule based on the total gross merchandise value (GMV).

   • More than - Enter the number of transactions or the amount allowed accordingly in this field.

   • Customer Identifier - Use this dropdown menu to choose between card number, mobile number, email address, and UPI VPA.

   • Duration - Use this dropdown menu to choose a duration.

     Duration	Meaning
     per 5 minutes	It looks at data for the past five minutes, with the window moving forward every hour to continuously analyse the most recent data.
     per Hour	It looks at data for the past hour, with the window moving forward every hour to continuously analyse the most recent data.
     per Day	Till 11:59PM of the current day.
     for Last 7 Days	Last 6 days + till 11:59PM of the current day.
     for Last 15 Days	Last 14 days + till 11:59PM of the current day.
     for Last 30 Days	Last 29 days + till 11:59PM of the current day.

   • Where individual transaction amount is greater than - Enter a value to restrict an individual transaction greater than the specified value.

   • Once limit is reached,

     • Block further transactions - Use the radio button to select this option if you want to block all the transactions that fall under the created rule.
     • Flag further transactions for Review - Use the radio button to select this option if you want to flag the transactions for review that fall under the created rule.

2. Click Show Impact Analysis. You can view the number of transactions that would be blocked or flagged based on the rule created.

3. Click Create Now

Recommended rules

Optimise your security strategy with our curated set of rules designed to proactively mitigate risks. These rules are tailored to detect and prevent potential fraud, ensuring robust protection for your business or organisation without compromising user experience.

Activate and deactivate a recommended rule

1. From the Smart Rules screen, use the toggle under the Status column to activate or deactivate a recommended rule.

The selected smart rule is activated or deactivated accordingly.

Update smart rule action

You can choose to block or flag the transactions for review that fall under the recommended rule(s).

1. From the Smart Rules screen, click the Edit icon under Recommended Rules for the rule you want to update.
2. The Update Smart Rule Action popup displays. Use the radio button to choose the following action:
   • Block further transactions - Select this option to block the transactions.
   • Flag further transactions for Review - Select this option to flag the transactions for review.
3. Click Update Risk Action.

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Flag transactions from past disputes

This recommended rule is based on the analysis of your past transactions that ended up in disputes and are suspicious.

Manage smart rules

Easily modify and delete smart rules ensuring flexible and effective fraud prevention management.

Activate and deactivate all smart rules

Follow the instructions below to activate or deactivate all smart rules:

1. From the Smart Rules screen, click Activate all Smart Rules or Deactivate all Smart Rules.

All the smart rules including the recommended rules get activated or deactivated accordingly.

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Shield Pro

Note that you cannot deactivate Shield Pro. It continues to detect fraudulent or risky transactions using the ML model.

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