Fraud Management

Recurly is committed to supporting our customers by providing the tools you need to continue to grow - and protect your business from fraud. In addition to our native Fraud Velocity Checks, we partner with Kount, the leading fraud management platform, to give you superior fraud-fighting capabilities directly within Recurly.

Kount’s Risk Inquiry Services

Risk Inquiry Services (RIS) is the foundation of Kount’s fraud mitigation technology. Recurly offers one path for integration, Kount Enterprise (see below).

Notable Benefits

  • Reduce Manual Reviews
  • Accept More Good Orders
  • Decrease Chargebacks
  • Reduce False Positives
  • Improve the User Experience
  • Lower Operational Costs

Note for merchants who utilize a Content Security Policy (CSP)

If you use a CSP on your site, you will need to add the script below to your CSP for device fingerprinting to work correctly. If you do not use a CSP, you do not need to make this change.

<meta http-equiv="Content-Security-Policy" content="img-src https://DATA_COLLECTOR_URL;connect-src 'self' 'unsafe-eval' 'unsafe-inline' https://DATA_COLLECTOR_URL; script-src 'unsafe-eval' 'unsafe-inline' https://DATA_COLLECTOR_URL; child-src https://DATA_COLLECTOR_URL">

You will need to replace the DATA_COLLECTOR_URL fields above with Recurly provided values. Please contact Recurly support to obtain the correct URL to use.

Kount Basic

When enabled, Recurly invokes Kount’s Risk Inquiry Service (RIS). This services sends IP address, email address, card details, billing info, and transaction details, for each new card verification (new sign-up and billing info update) prior to contacting the payment gateway for verification.

If the risk decision is to decline the transaction, then Recurly will terminate the transaction and it will not be submitted to the payment gateway. It’s important to note, the more aggressive your fraud settings are, the higher the transaction decline rate will be. The more relaxed your fraud settings are, the lower the transaction decline rate will be. Thus, it is essential to find the right balance in your configuration.

Kount Enterprise

Kount Enterprise is the most powerful and customizable fraud management option available. Kount Enterprise provides you with the same leading digital fraud prevention technology as Kount Basic but with the added benefit of direct access to your own Kount Control Center and a dedicated Kount Customer Success Manager. Kount Enterprise provides you with the necessary tools to fight fraud by giving you the capability to create custom rules based off fraud trends and business policies, access to Kount’s business intelligence tool to perform in-depth analysis, ability to conduct manual reviews, and the utilization of Kount's next-generation artificial intelligence scoring.

How does it work?

When enabled, Recurly will invoke Kount’s Risk Inquiry Service (sending IP address, email address, shipping address, card details, billing info, and order details, etc to Kount) for each new card prior to contacting the payment gateway.

Kount responds with a risk decision based on their proprietary artificial intelligence and applies your custom rules. Recurly will honor the risk decision returned by Kount’s service. If the risk decision is to decline the transaction then Recurly will terminate this transaction and not contact the payment gateway. Otherwise, Recurly will continue with the transaction processing by submitting the details to the payment gateway.

Contact Recurly's Enablement Team to get started.

Kount Enterprise Fraud Management is available on Recurly's Elite and Enterprise Plan.