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Configuring Gateways

Fraud Management

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API Integration

Third Party Integrations

Stripe Radar 

Introduction 

In today's world, it is pertinent to evaluate every transaction to weed out the fraudulent ones.
Chargebee integrates with Stripe Radar to prevent fraudulent transactions through Stripe's Payment Gateway.
Stripe Radar is powered by advanced machine learning algorithms that automatically learns from Stripe's global network of businesses to help identify and prevent fraud in real time.
With the integration, Chargebee intends to track fraudulent transactions which in turn reduces chargebacks.
To know more about how Stripe Radar works, refer Stripe's webpage.
With Stripe Radar Integration, Chargebee allows you to deal with suspicious and fraudulent transactions on Transaction level, as well as Customer level.

Note

Stripe Radar works only for transactions that go through Stripe's Payment Gateway.

Every Chargebee transaction that goes through Stripe's payment gateway will be evaluated by Radar and is categorized into three:

  1. Safe: An ordinary transaction made by an upright source
  2. Suspicious: Stripe Radar marks a transaction as ‘Suspicious' when it has an increased chance of being fraudulent. There are a two factors that could make a transaction suspicious: Stripe's Risk Evaluation and Stripe Radar Rules. After evaluating the transaction, you can mark it either safe or fraudulent.
  3. Fraudulent: A transaction is marked ‘Fraudulent' based on the aforementioned risk evaluation and rules set by Stripe Radar. The fraudulent transaction will be blocked by Stripe.

Suspicious Transactions 

When a transaction is marked Suspicious by Stripe Radar, the same will reflect in your Chargebee App and you will also receive an email notification about it.
You can locate the suspicious transaction either by clicking on the link you received via email or by navigating to Subscriptions > Transactions, where you can filter the transactions using the ‘Is Suspicious' filter. Selecting the suspicious transaction will take you to the transactions details page with a screen as below:

Based on the customer who made the transaction and his transaction history, you can conclude whether or not the transaction is legit.
If you're convinced that the transaction is fraudulent, click on Confirm & Refund and the transaction will be marked Fraudulent in Chargebee as well as Stripe and a credit note will be created for refunded amount.

Note
  • Due to certain accounting practices, to void the invoice without creating a Credit Note, you can remove the payment from the invoice and refund the transaction from the transaction details page.
  • If the refund is done through Stripe, the refund should be recorded in Chargebee manually.
  • To makes things easier it is highly recommended to process a refund through Chargebee.

If you know that the transaction is genuine, to mark it safe, click on Mark as Safe in Stripe and you'll be redirected to your Stripe Dashboard (Stripe does not have an API to automatically make the transaction as safe) to make the change. Once marked safe in Stripe, the change will reflect automatically in your Chargebee app.

Suspicious Customers 

Stripe Radar provides transaction level security where all your transactions are monitored and tagged accordingly. Additionally, Chargebee provides customer level security based on Stripe Radar's notifications.

Note
  • Customer level operations are available only in selected plans. To know more, visit Chargebee's Plans and Pricing page.

  • To enable the feature which displays the details of a suspicious customer, navigate to Settings > Site Settings > Site Info & Billing rules > Fraud Monitor Settings.

  • Here, you can also choose to enable/ disable emails from Chargebee on detection of any suspicious or fraudulent activities.

  • Once enabled, Chargebee notifies on any fraudulent events that can occur in your site.

  • Emails are sent every 24 hours to your site's administrator and customer support team.

When the customer makes a transaction, Stripe flags the suspicious transaction and reports it to Chargebee. Now Chargebee will mark the customer as suspicious and you can later mark him as safe or fraudulent.
You can locate the suspicious customer either by clicking on the link you received via email or by navigating to Subscriptions > Customers, where you can filter the customers using ‘Is Suspicious' filter. Selecting the suspicious customer will take you to the customer details page with a screen as below:

Mark as Safe

To mark the customer as safe after verifying the transaction that was made, click on ‘Mark as Safe'. This will mark the current and all future transactions as safe. Once marked safe, Chargebee will ignore all future fraud/suspicious alerts from Stripe Radar for this customer. This change will not reflect in Stripe automatically. You will have to manually mark the transaction as safe in your Stripe dashboard.

Mark as Fraudulent

After verifying the transaction, if you find the customer as fraudulent, click on ‘Mark as Fraudulent'. This will mark the current transaction as fraudulent. A credit note will be created for the transaction and his self-service portal(if available) will be disabled. Moreover, customer will not be able to reactivate his canceled subscription.

After which, you will be asked whether you want to cancel all other subscriptions of the same customer. If ‘No, Keep Them' is selected, other subscriptions remain active. If ‘Yes, Cancel All' is selected, all other subscriptions get cancelled.

If you decide not to cancel the subscription, the customer has to use another mode of payment for the renewal of the subscription.

Ignore

Clicking on ‘Ignore' will ignore the current transaction made by the Customer. However, you will be notified of the fraud transactions in future.

FAQ 

  • Where do I find the list of suspicious customers?

Navigate to Subscriptions > Customers in your Chargebee app and you will find an option in the filter which will display the list of suspicious customers.

  • How would you conclude if a customer is fraudulent?
    Here are a few tips to conclude if the customer is fraudulent:

    • Check the transaction history of the customer
    • Verify the customer's contact details and check with him directly
  • How do I mark a fraudulent customer as safe?

Navigate to Subscriptions > Customers > Select the Customer in your Chargebee app and you'll find the option to mark him safe. When he's marked safe, all the future fraud/suspicious alerts from Stripe Radar will be ignored.

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