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CyberSource Corporation HQ | P.O. Box 8999 | San Francisco, CA 94128-8999 | Phone: 800-530-9095 CyberSource Decision Manager Developer Guide Using the SCMP API May 2013 2 CyberSource Contact Information For general information about our company, products, and services, go to http://www.cybersource.com. For sales questions about any CyberSource Service, email sales@cybersource.com or call 650-432-7350 or 888-330-2300 (toll free in the United States). For support information about any CyberSource Service, visit the Support Center at http://www.cybersource.com/support. Copyright © 2013 CyberSource Corporation. All rights reserved. CyberSource Corporation ("CyberSource") furnishes this document and the software described in this document under the applicable agreement between the reader of this document ("You") and CyberSource ("Agreement"). You may use this document and/or software only in accordance with the terms of the Agreement. Except as expressly set forth in the Agreement, the information contained in this document is subject to change without notice and therefore should not be interpreted in any way as a guarantee or warranty by CyberSource. CyberSource assumes no responsibility or liability for any errors that may appear in this document. The copyrighted software that accompanies this document is licensed to You for use only in strict accordance with the Agreement. You should read the Agreement carefully before using the software. Except as permitted by the Agreement, You may not reproduce any part of this document, store this document in a retrieval system, or transmit this document, in any form or by any means, electronic, mechanical, recording, or otherwise, without the prior written consent of CyberSource. Restricted Rights Legends For Government or defense agencies. Use, duplication, or disclosure by the Government or defense agencies is subject to restrictions as set forth the Rights in Technical Data and Computer Software clause at DFARS 252.227-7013 and in similar clauses in the FAR and NASA FAR Supplement. For civilian agencies. Use, reproduction, or disclosure is subject to restrictions set forth in subparagraphs (a) through (d) of the Commercial Computer Software Restricted Rights clause at 52.227-19 and the limitations set forth in CyberSource Corporation's standard commercial agreement for this software. Unpublished rights reserved under the copyright laws of the United States. Trademarks CyberSource, The Power of Payment, CyberSource Payment Manager, CyberSource Risk Manager, CyberSource Decision Manager, CyberSource Connect, Authorize.Net, and ECheck.net are trademarks and/or service marks of CyberSource Corporation. All other brands and product names are trademarks or registered trademarks of their respective owners. Decision Manager Developer Guide Using the SCMP API | May 2013 3 CONTENTS Contents Recent Revisions to This Document 7 About This Guide 8 Audience 8 Purpose 8 Conventions 8 Related Documentation 9 Chapter 1 Introducing Decision Manager and Advanced Fraud Screen 11 Decision Manager 11 Advanced Fraud Screen 11 Service Processing Order 12 Chapter 2 Integrating Decision Manager Services 14 Score Service 14 Requesting the Score Service 14 Setting the Score Threshold 14 Adjusting the Hedge or Category Settings 15 Setting the Global Velocity Tests 15 Sending the Results of Address and Card Verification Tests 16 Scoring a Direct Debit Transaction 17 Interpreting the Reply 18 Score 18 Risk Factor Codes 18 Information Codes 19 Risk Update Service 20 Requesting the Service 21 Specifying Actions 21 Adding Customer Data to Lists 22 Interpreting the Reply 23 Negative List 23 Positive List 23 Decision Manager Developer Guide Using the SCMP API | May 2013 4 Contents Review List 23 Positive and Negative Lists 24 Duplicate Matches 24 Fraud Update Service 25 Requesting the Service 25 Specifying Actions 25 Adding Optional Data to Your Request 26 Interpreting the Reply 26 Case Management Action Service 27 Requesting the Service 27 Specifying Actions 27 Interpreting the Reply 28 Chapter 3 Testing 29 Requirements for Testing 29 Testing the Services 30 Appendix A API Fields 31 Formatting Restrictions 31 Data Type Definitions 31 Request-Level Fields 32 Offer-Level Fields 47 Reply Fields 51 Appendix B Reply Flags 58 Appendix C Mapping of Order Elements to API Fields 60 Appendix D Decision Manager Use Cases 64 Requesting Decision Manager for all Orders 65 Requesting Decision Manager for Selected Orders 65 Processing Authorizations Outside of CyberSource 65 Processing Orders Containing Travel Data 66 Order Information 66 Request Data 66 Offer-Line Data 67 Reply Information 68 Decision Manager Developer Guide Using the SCMP API | May 2013 5 Contents Using the Amount Fields 69 Receiving Detailed Information About Each Order 69 Using the Customer’s IP Address to Assess the Level of Risk 70 API Request 70 API Reply 71 IP Address Information 71 Routing Method Information 71 Information and Factor Reply Codes 72 Using Decision Manager to Score Direct Debit Transactions 75 Appendix E Request and Reply Examples 76 Decision Manager 76 Card Authorization 76 Travel Data 77 Score Service 78 Risk Update 79 Adding Data to a List 79 Adding Duplicate Information 80 Fraud Update 81 Mark as Suspect 81 Remove from History 81 Case Management Action 82 Request 82 Reply 82 Appendix F Information and Reply Codes 83 Address Verification Codes 83 Codes for the American Express Phoenix Gateway Only 83 Codes for the International AVS 83 Codes for the Domestic AVS 84 Card Verification Numbers 86 Risk Factor Codes 86 Information Codes 88 Address Information Codes 88 Internet Information Codes 89 Customer Lists Information Codes 90 Phone Information Codes 92 Global Velocity Information Codes 93 Suspicious Data Information Codes 94 Excessive Identity Changes 95 Product Codes 96 Decision Manager Developer Guide Using the SCMP API | May 2013 6 Contents Appendix G Review Rates 97 Appendix H Required Bank Account Information by Country 101 Appendix I Countries Included in the European Union Risk Model 103 Index 105 Decision Manager Developer Guide Using the SCMP API | May 2013 7 REVISIONS Chapter 3 Recent Revisions to This Document Release Changes May 2013 Corrected possible values for the "decision_manager_enabled" request field. April 2013 Added information about testing the Case Management Action service. For more information, see the Important note in the section "Case Management Action Service," page 27 and in the section "Testing the Services," page 30. March 2013 Added information about new behavior for the shipping_method API field when you specify pickup as the method. For more information, see the description of "shipping_method," page 46. February 2013 Updated the link to the IATA list of airline and airport codes. For more information, see the descriptions of the following API fields: "decision_manager_travel_ complete_route," page 40 "decision_manager_travel_ leg#_dest," page 41 "decision_manager_travel_ leg#_orig," page 41 January 2013 Added information about the new Case Management Action service. For more information, see "Case Management Action Service," page 27. October 2012 Added the personal ID API field: "personal_id," page 44 to support integration with the third- party service Credilink. Added a note to the customer password API field description. Do not add random strings of characters to the passwords that are used with this field. See "customer_password," page 38. September 2012 Added information about the new support for up to 100 merchant-defined data fields. For more information, see "merchant_defined_data1 to merchant_defined_data100," page 43. Decision Manager Developer Guide Using the SCMP API | May 2013 8 ABOUT GUIDE About This Guide Audience This guide is written for application developers who want to use the CyberSource SCMP API to integrate Decision Manager services into their order management system. Implementing CyberSource Decision Manager Services requires software development skills. You must write code that uses the API request and reply fields to integrate Decision Manager Services into your existing order management system. Purpose This guide describes tasks you must complete to integrate Decision Manager Services into your existing order management system. Conventions The following special statements are used in this document: Note A Note contains helpful suggestions or references to material not contained in this document. Important An Important statement contains information essential to successfully completing a task or learning a concept. Decision Manager Developer Guide Using the SCMP API | May 2013 9 About This Guide The following text conventions are used in this document: Related Documentation  Getting Started with CyberSource Advanced for the SCMP API describes how to get started using the SCMP API:  PDF: http://apps.cybersource.com/library/documentation/dev_guides/Getting_ Started_SCMP/Getting_Started_SCMP_API.pdf  HTML: http://apps.cybersource.com/library/documentation/dev_guides/Getting_ Started_SCMP/html/  Credit Card Services Using the SCMP API describes how to integrate CyberSource payment processing services into your business:  PDF: http://apps.cybersource.com/library/documentation/dev_guides/CC_Svcs_ SCMP_API/Credit_Cards_SCMP_API.pdf  HTML: http://apps.cybersource.com/library/documentation/dev_guides/CC_Svcs_ SCMP_API/html/  Payer Authentication Using the SCMP API describes how to integrate CyberSource card authentication services with your web store, including Visa Verified by VisaSM, MasterCard® and Maestro® SecureCode™ (UK domestic and international), American Express SafeKeySM, and JCB J/Secure™:  PDF: http://apps.cybersource.com/library/documentation/dev_guides/Payer_ Authentication_SCMP_API/Payer_Authentication_SCMP_API.pdf  HTML: http://apps.cybersource.com/library/documentation/dev_guides/Payer_ Authentication_SCMP_API/html Table 1 Text Conventions Convention Meaning boldface Boldface type indicates graphical user interface elements that you must act upon. API field names. italic Italic type indicates book titles, first use of special terms, or placeholder variables for which you supply particular values. monospace Monospace type indicates XML elements within a paragraph, URLs, code in examples, text that appears on the screen, or text that you enter. Decision Manager Developer Guide Using the SCMP API | May 2013 10 About This Guide  uploads/s1/ cybersource-guide.pdf

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