Error messageTransaction blocked by Fraud Policy
DescriptionThis payment was blocked by the platform’s fraud prevention rules or Mangopay’s policy.
Categories
Fraud policy

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Causes

This error may occur when:
  • The transaction is blocked by Mangopay’s anti-fraud policy
  • The transaction is blocked by the platform’s fraud prevention rules

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What to do

In the Dashboard’s fraud prevention panel, you can find the inquiry linked to the transaction to see the logic to determine the cause of the refusal. Search on the transaction’s Id, which corresponds to the inquiry reference. If the refusal was caused by a rule set created by the platform, you can review the rule or rules that led to the Refuse recommendation. 

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Testing

Mangopay’s fraud prevention solution allows you to:
  • Test rules on historical data (backtesting)
  • Publish rules in Simulation mode to generate recommendations without triggering automated actions

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Example

In the following example, a direct card pay-in was refused because of Mangopay’s anti-fraud policy.
API response
{
    "Id": "4855823599",
    "Tag": "Created using the Mangopay API Postman collection",
    "CreationDate": 1710756355,
    "AuthorId": "3946356658",
    "CreditedUserId": "3946356658",
    "DebitedFunds": {
        "Currency": "GBP",
        "Amount": 3649
    },
    "CreditedFunds": {
        "Currency": "GBP",
        "Amount": 3649
    },
    "Fees": {
        "Currency": "GBP",
        "Amount": 0
    },
    "Status": "FAILED",
    "ResultCode": "008500",
    "ResultMessage": "Transaction blocked by Fraud Policy",
    "ExecutionDate": null,
    "Type": "PAYIN",
    "Nature": "REGULAR",
    "CreditedWalletId": "3316357763",
    "DebitedWalletId": null,
    "PaymentType": "CARD",
    "ExecutionType": "DIRECT",
    "SecureMode": "DEFAULT",
    "CardId": "4030432624",
    "SecureModeReturnURL": null,
    "SecureModeRedirectURL": null,
    "SecureModeNeeded": false,
    "Culture": "EN",
    "SecurityInfo": {
        "AVSResult": "NO_CHECK"
    },
    "StatementDescriptor": "Mangopay",
    "BrowserInfo": {
        "AcceptHeader": "text/html, application/xhtml+xml, application/xml;q=0.9, /;q=0.8",
        "JavaEnabled": true,
        "Language": "en",
        "ColorDepth": 4,
        "ScreenHeight": 1800,
        "ScreenWidth": 400,
        "TimeZoneOffset": 60,
        "UserAgent": "Mozilla/5.0 (iPhone; CPU iPhone OS 13_6_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/15E148",
        "JavascriptEnabled": true
    },
    "IpAddress": "658e:1b88:7f7a:a60b:32af:0b7f:56e1:2e9a",
    "Billing": {
        "FirstName": "Alex",
        "LastName": "Smith",
        "Address": {
            "AddressLine1": null,
            "AddressLine2": null,
            "City": null,
            "Region": null,
            "PostalCode": null,
            "Country": null
        }
    },
    "Shipping": {
        "FirstName": "Alex",
        "LastName": "Smith",
        "Address": {
            "AddressLine1": null,
            "AddressLine2": null,
            "City": null,
            "Region": null,
            "PostalCode": null,
            "Country": null
        }
    },
    "Requested3DSVersion": "V2_1",
    "Applied3DSVersion": null,
    "RecurringPayinRegistrationId": null,
    "PreferredCardNetwork": null,
    "PaymentCategory": "ECommerce",
    "CardInfo": {
        "BIN": "475141",
        "IssuingBank": "NATIONWIDE BUILDING SOCIETY",
        "IssuerCountryCode": "GB",
        "Type": "DEBIT",
        "Brand": "VISA",
        "SubType": "CLASSIC"
    }
}