GIACT Fraud Service for ACH Transactions

A new feature has been added to enable fraud validation for ACH transactions using the GIACT service. The System now allows to configure fraud service policies to validate bank account and bank account ownership in ACH transactions and automatically decline those that meet certain criteria.  

To enable fraud validation for ACH transactions, users need to follow these steps:  

1. Configure a fraud service policy at the Service Provider level. To do this:  
   • Navigate to the Service Providers page and select the desired service provider. 
     
     
   • select the Fraud Services action and then click on the Add Fraud Service Policy button.
     
     
   • fill in all the necessary fields, including:  
     • Policy name (must be unique);  
     • Fraud service (currently only GIACT is available);
     • Credentials;  
     • Decline conditions. Choose when the transaction should be declined. Available options:  
       1. connectivity issues (service not available, insufficient permissions, invalid credentials, errors in the request itself); 
       2. specific response codes (from the gVerify service or its combination with gAuthenticate);  
       3. unknown response code (or if no response code is received, although the service run successfully)  
2. Link configured Fraud Service Policy to the Sub-Account in the Sub-Account wizard, Processing step, by selecting the desired fraud service policy in the Fraud Service Policy field of ACH configuration. At this stage, only policies with the GIACT service are available for ACH transactions.

After applying the fraud service policy to the Sub-Account, the system will validate ACH Charge transactions using the GIACT fraud service. 

• If the response codes received from GIACT meet the Decline transaction condition, the system will decline the transaction. 

• If according to the received response codes the verification is successful, the system will continue with the transaction processing. 

Transactions report updates 

1. If an ACH transaction is verified through the fraud service, a new Fraud Services Details section will appear in the Transactions report, showing the validation results.  
2. If a transaction is declined due to fraud service validation, the response codes received from GIACT will be included in the error description. This is also relevant for the Reports API.  

Management API updates 

A new optional parameter, fraudServicePolicyId, has been added to the ACH object.

For additional information please refer to our Developer Portal. 

Gateway updates 

See the separate section Gateway Updates