Card Fraud Outreach

Card Fraud Outreach is a customizable way to help your end-customers confirm or report suspicious card transactions.

When suspicious card activity is identified, you can programmatically notify your customers by sending them branded messages. These messages enable your customers to confirm or report any suspicious transactions.

Card Fraud Outreach is a part of our card fraud monitoring Card Fraud Monitoring experience. It substitutes communication done by Visa.

Card Fraud Case

When an authorization or transaction receives a Decline status with a SuspectedFraud reason (Authorization, Card Fraud Monitoring - Transaction Lifecycle, Card Fraud Monitoring - Visa Transaction Scoring), a Fraud Case is automatically created.

Each Fraud Case (Transaction / Authorization) is linked to a suspicious transaction and requires customer feedback for resolution within a specified timeframe, typically 72 hours.

This timeframe, referred to as the Fraud Case expiration period, is a customizable parameter (caseExpirationPeriodHours) defined by the Client within their Fraud Outreach Policy.

If no Customer feedback is received, the Fraud Case expires and cannot be acted upon.

Get Card Fraud Case by Id

Get a card fraud case by id.

Verb	`GET`
Url	`https://api.s.unit.sh/card-fraud-cases/{id}`
Timeout (Seconds)	`5`

curl -X GET 'https://api.s.unit.sh/card-fraud-cases/1' \
-H "Authorization: Bearer ${TOKEN}"

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	Authorization Card Fraud Case or Transaction Card Fraud Case	Card Fraud Case resource. Can be either `Authorization` or `Transaction` as indicated by the `type` field.

List Card Fraud Cases

List card fraud case resources. Paging can be applied.

Verb	`GET`
Url	`https://api.s.unit.sh/card-fraud-cases`
Timeout (Seconds)	`5`

Query Parameters

Field	Type	Default	Description
page[limit]	integer	100	Optional. Maximum number of resources that will be returned. Maximum is 10000 resources. See Pagination.
page[offset]	integer	0	Optional. Number of resources to skip. See Pagination.
filter[cardId]	string	(empty)	Optional. Filter by card id.
filter[accountId]	string	(empty)	Optional. Filter by account id.
filter[customerId]	string	(empty)	Optional. Filter by customer id.
filter[status][]	string	(empty)	Optional. Filter by case status. Can be one of the following values: `Created`, `Active`, `Closed`, `Expired`.
filter[decision][]	string	(empty)	Optional. Filter by case decision. Can be one of the following values: `Pending`, `Fraud`, `NoFraud`.
sort	string	`sort=-createdAt`	Optional. `sort=createdAt` for ascending order or `sort=-createdAt` (leading minus sign) for descending order.

curl -X GET 'https://api.s.unit.sh/card-fraud-cases?page[limit]=20&page[offset]=10' \
-H "Authorization: Bearer ${TOKEN}"

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	Array of Authorization Card Fraud Case or Transaction Card Fraud Case	Array of card fraud case resources. Each resource can be either `Transaction` or `Authorization`, as indicated by the `type` field.
meta	JSON object that contains pagination data	Pagination data includes offset, limit and total (estimated total items).

Example response:
{
  "data": [
    {
      "type": "authorizationCardFraudCase",
      "id": "9",
      "attributes": {
        "createdAt": "2024-07-31T11:02:27.355Z",
        "status": "Closed",
        "decision": "Fraud",
        "expiresAt": "2024-08-03T11:02:27.355Z",
        "cardActivities": [
          {
            "id": "15",
            "createdAt": "2024-07-31T11:02:27.355Z",
            "activityType": "Authorization",
            "cardActivityCreatedAt": "2024-07-31T11:02:27.270Z",
            "cardActivity": "8082294",
            "location": "Cupertino, CA, US",
            "merchant": "Apple Inc.",
            "amount": 2500,
            "decision": "Fraud",
            "updatedAt": "2024-07-31T11:04:43.696Z"
          },
          {
            "id": "16",
            "createdAt": "2024-07-31T11:02:27.355Z",
            "activityType": "Authorization",
            "cardActivityCreatedAt": "2024-07-30T14:40:13.147Z",
            "cardActivity": "8069211",
            "location": "Cupertino, CA, US",
            "merchant": "Apple Inc.",
            "amount": 100,
            "decision": "NoFraud",
            "updatedAt": "2024-07-31T11:04:43.696Z"
          },
          {
            "id": "17",
            "createdAt": "2024-07-31T11:02:27.355Z",
            "activityType": "Transaction",
            "cardActivityCreatedAt": "2024-07-30T14:40:07.534Z",
            "cardActivity": "8069210",
            "location": "Cupertino, CA, US",
            "merchant": "Apple Inc.",
            "amount": 100,
            "decision": "NoFraud",
            "updatedAt": "2024-07-31T11:04:43.696Z"
          }
        ],
        "updatedAt": "2024-07-31T11:04:43.696Z"
      },
      "relationships": {
        "card": {
          "data": {
            "type": "card",
            "id": "2200412"
          }
        },
        "account": {
          "data": {
            "type": "account",
            "id": "49230"
          }
        },
        "customer": {
          "data": {
            "type": "customer",
            "id": "49430"
          }
        },
        "authorization": {
          "data": {
            "type": "authorization",
            "id": "8082294"
          }
        }
      }
    },
    {
      "type": "transactionCardFraudCase",
      "id": "10",
      "attributes": {
        "createdAt": "2024-07-31T11:02:27.355Z",
        "status": "Closed",
        "decision": "NoFraud",
        "expiresAt": "2024-08-03T11:02:27.355Z",
        "cardActivities": [
          {
            "id": "20",
            "createdAt": "2024-07-31T11:02:27.355Z",
            "activityType": "Authorization",
            "cardActivityCreatedAt": "2024-07-31T11:02:27.270Z",
            "cardActivity": "8082294",
            "location": "Cupertino, CA, US",
            "merchant": "Apple Inc.",
            "amount": 2500,
            "decision": "Fraud",
            "updatedAt": "2024-07-31T11:04:43.696Z"
          },
          {
            "id": "21",
            "createdAt": "2024-07-31T11:02:27.355Z",
            "activityType": "Authorization",
            "cardActivityCreatedAt": "2024-07-30T14:40:13.147Z",
            "cardActivity": "8069211",
            "location": "Cupertino, CA, US",
            "merchant": "Apple Inc.",
            "amount": 100,
            "decision": "NoFraud",
            "updatedAt": "2024-07-31T11:04:43.696Z"
          },
          {
            "id": "22",
            "createdAt": "2024-07-31T11:02:27.355Z",
            "activityType": "Transaction",
            "cardActivityCreatedAt": "2024-07-30T14:40:07.534Z",
            "cardActivity": "8069210",
            "location": "Cupertino, CA, US",
            "merchant": "Apple Inc.",
            "amount": 100,
            "decision": "NoFraud",
            "updatedAt": "2024-07-31T11:04:43.696Z"
          }
        ],
        "updatedAt": "2024-07-31T11:04:43.696Z"
      },
      "relationships": {
        "card": {
          "data": {
            "type": "card",
            "id": "2200412"
          }
        },
        "account": {
          "data": {
            "type": "account",
            "id": "49230"
          }
        },
        "customer": {
          "data": {
            "type": "customer",
            "id": "49430"
          }
        },
        "transaction": {
          "data": {
            "type": "transaction",
            "id": "8069210"
          }
        }
      }
    }
  ],
  "meta": {
    "pagination": {
      "total": 1,
      "limit": 100,
      "offset": 0
    }
  }
}