runBeforeCharge.
Para runBeforeCharge=false, o ciclo de vida de uma transação com avaliação antifraude percorre três etapas:
- Pré Autorização
- Análise Antifraude
- Captura
O comportamento automatizado do ciclo de vida da transação pode ser escolhido
utilizando as configurações de
captureOnApprove e refundOnReprove feitas
diretamente no setup de provedor de antifraude para uso na Malga.runBeforeCharge=true, o ciclo de vida de uma transação com avaliação antifraude percorre duas etapas:
- Análise Antifraude
- Captura
Exemplos de uso do antifraude
Para utilizar análises antifraude em suas transações basta estar credenciado em um provedor antifraude e configurá-lo em seu fluxo de pagamentos. Assim, será possível processar uma transação enviando as informações adicionais de antifraude.Exemplo de cobrança com Antifraude aprovado
Após a pré autorização, se a cobrança passar pela avaliação de risco, é aprovada e capturada na sequência.curl --location --request POST 'https://api.malga.io/v1/charges' \
--header 'x-client-id: <YOUR_CLIENT_ID>' \
--header 'x-api-key: <YOUR_API_KEY>' \
--header 'Content-Type: application/json' \
--data-raw '{
"merchantId": "5002bdcd-e816-4741-871c-6de4f31ea966",
"amount": 100,
"currency": "BRL",
"statementDescriptor": "Pedido #231 loja joão",
"capture": true,
"paymentMethod": {
"paymentType": "credit",
"installments": 1
},
"paymentSource": {
"sourceType": "card",
"card": {
"cardHolderName": "JOSE DAS NEVES",
"cardNumber": "4929564637987814",
"cardCvv": "120",
"cardExpirationDate": "12/2026"
}
},
"fraudAnalysis": {
"sla": 10,
"customer": {
"name": "Joao Torres",
"phone": "11 99329899",
"email": "joao@gmail.com",
"identity": "45762964851",
"identityType": "CPF",
"registrationDate": "2022-07-26T16:11:35.756Z",
"billingAddress": {
"street": "Rua Um",
"number": "200",
"zipCode": "02010010",
"country": "BR",
"state": "SP",
"district": "Jardim Paraiso",
"city": "Sao Paulo",
"complement": "ap 10"
},
"browser": {
"browserFingerprint": "074c1ee676ed4998ab66491013c565e2",
"cookiesAccepted": false,
"email": "comprador@test.com.br",
"hostName": "google.com",
"ipAddress": "127.0.0.1",
"type": "Chrome"
}
},
"cart": {
"items": [
{
"name": "ItemTeste1",
"quantity": 1,
"sku": "20170511",
"unitPrice": 100,
"risk": "High",
"locality": "Local do evento",
"date": "2017-03-21T22:36:53",
"type": 1,
"genre": "Concerto de música",
"tickets": {
"quantityTicketSale": 800,
"quantityEventHouse": 2,
"convenienceFeeValue": 0,
"quantityFull": 100,
"quantityHalf": 50,
"batch": 1234123
},
"location": {
"country": "BR",
"street": "Rua Um",
"number": "2",
"complement": "ap 1",
"zipCode": "02417140",
"city": "Sao Paulo",
"state": "SP",
"district": "Bairro"
}
}
]
}
}
}'
< HTTP/2 201
< content-type: application/json; charset=utf-8
{
"id": "713d1e9d-3e05-4258-9c38-d5b474cdca7f",
"clientId": "<YOUR_CLIENT_ID>",
"merchantId": "5002bdcd-e816-4741-871c-6de4f31ea966",
"description": null,
"orderId": null,
"createdAt": "2022-08-25T20:56:37.265Z",
"amount": 100,
"originalAmount": 100,
"currency": "BRL",
"statementDescriptor": "Pedido #231 loja joão",
"capture": true,
"status": "authorized",
"paymentMethod": {
"installments": 1,
"paymentType": "credit"
},
"paymentSource": {
"sourceType": "card",
"cardId": "2aba421f-db81-4c2d-a6e8-3379c192a7c5"
},
"fraudAnalysisMetadata": {
"sla": 10,
"customer": {
"name": "Joao Torres",
"identity": "45762964851",
"identityType": "CPF",
"birthdate": null,
"phone": "11 99329899",
"billingAddress": {
"street": "Rua Um",
"number": "200",
"complement": "ap 10",
"zipCode": "02010010",
"city": "Sao Paulo",
"state": "SP",
"district": "Jardim Paraiso"
}
},
"cart": {
"items": [
{
"name": "ItemTeste1",
"quantity": 1,
"sku": "20170511",
"unitPrice": 100,
"risk": "High",
"locality": "Local do evento",
"date": "2017-03-21T22:36:53",
"type": 1,
"genre": "Concerto de música",
"tickets": {
"quantityTicketSale": 800,
"quantityEventHouse": 2,
"convenienceFeeValue": 0,
"quantityFull": 100,
"quantityHalf": 50,
"batch": 1234123
},
"location": {
"country": "BR",
"street": "Rua Um",
"number": "2",
"complement": "ap 1",
"zipCode": "02417140",
"city": "Sao Paulo",
"state": "SP",
"district": "Bairro"
}
}
]
}
},
"transactionRequests": [
{
"id": "72e788f6-c767-4688-8b23-4f3c9313458f",
"createdAt": "2022-08-25T20:56:37.796Z",
"updatedAt": "2022-08-25T20:56:37.796Z",
"idempotencyKey": null,
"providerId": "5de239ec-b724-453a-96e1-229fe29cdedd",
"providerType": "SANDBOX",
"transactionId": "1737284",
"amount": 100,
"authorizationCode": "6076640",
"authorizationNsu": "3028818",
"requestStatus": "success",
"requestType": "capture",
"responseTs": "8ms",
"providerAuthorization": {
"networkAuthorizationCode": "7354551",
"networkResponseCode": "5759371"
}
},
{
"id": "f4c59668-c513-4e81-a5b2-9988866f3af4",
"createdAt": "2022-08-25T20:56:37.645Z",
"updatedAt": "2022-08-25T20:56:37.645Z",
"idempotencyKey": null,
"providerId": "5de239ec-b724-453a-96e1-229fe29cdedd",
"providerType": "ANTIFRAUD_SANDBOX",
"transactionId": "9475312",
"amount": 100,
"authorizationCode": null,
"authorizationNsu": null,
"requestStatus": "success",
"requestType": "anti_fraud",
"responseTs": "19ms",
"fraudAnalysis": {
"score": 85,
"status": "approved"
}
},
{
"id": "67a55426-defc-4f75-92d0-97f93ef55e39",
"createdAt": "2022-08-25T20:56:37.432Z",
"updatedAt": "2022-08-25T20:56:37.866Z",
"idempotencyKey": "97cfcd40-d9f0-469a-bc7f-b5cda1e2d8ac",
"providerId": "5de239ec-b724-453a-96e1-229fe29cdedd",
"providerType": "SANDBOX",
"transactionId": "6498444",
"amount": 100,
"authorizationCode": "3698706",
"authorizationNsu": "4897050",
"requestStatus": "success",
"requestType": "pre_authorization",
"responseTs": "36ms",
"providerAuthorization": {
"networkAuthorizationCode": "7376566",
"networkResponseCode": "2946159"
}
}
]
}
Exemplo de cobrança com Antifraude reprovado
Após a pré autorização, se a análise de risco for reprovada, a transação é rejeitada e a pré autorização é cancelada automaticamente.curl --location --request POST 'https://api.malga.io/v1/charges' \
--header 'x-client-id: <YOUR_CLIENT_ID>' \
--header 'x-api-key: <YOUR_API_KEY>' \
--header 'Content-Type: application/json' \
--data-raw '{
"merchantId": "2f837bc1-9dc5-4683-9610-6e75ed9e5aa5",
"amount": 991,
"currency": "BRL",
"statementDescriptor": "Pedido #231 loja joão",
"capture": true,
"paymentMethod": {
"paymentType": "credit",
"installments": 1
},
"paymentSource": {
"sourceType": "card",
"card": {
"cardHolderName": "JOSE DAS NEVES",
"cardNumber": "4929564637987814",
"cardCvv": "120",
"cardExpirationDate": "12/2026"
}
},
"fraudAnalysis": {
"sla": 10,
"customer": {
"name": "João Neves",
"identity": "62871519005",
"identityType": "CPF",
"birthdate": null,
"phone": "219988776654",
"billingAddress": {
"street": "Rua CJ-14",
"number": "100",
"zipCode": "69314702",
"country": "BR",
"state": "PR",
"district": "Jardim Tropical",
"city": "Boa vista",
"complement": "ap 110"
},
"browser":{
"browserFingerprint":"074c1ee676ed4998ab66491013c565e2",
"cookiesAccepted":false,
"email":"comprador@test.com.br",
"hostName":"google.com",
"ipAddress":"127.0.0.1",
"type":"Chrome"
}
},
"cart": {
"items": [
{
"name": "ItemTeste1",
"quantity": 1,
"sku": "20170511",
"unitPrice": 991,
"risk": "High"
}
]
}
}
}'
< HTTP/2 201
< content-type: application/json; charset=utf-8
{
"id": "72dd8608-3741-48fd-9aab-5573408820fa",
"clientId": "<YOUR_CLIENT_ID>",
"merchantId": "2f837bc1-9dc5-4683-9610-6e75ed9e5aa5",
"description": null,
"orderId": null,
"createdAt": "2022-08-10T19:21:19.452Z",
"amount": 0,
"originalAmount": 991,
"currency": "BRL",
"statementDescriptor": "Pedido #231 loja joão",
"capture": true,
"status": "canceled",
"paymentMethod": {
"installments": 1,
"paymentType": "credit"
},
"paymentSource": {
"sourceType": "card",
"cardId": "4a986611-0534-4628-8c2e-2845a3f6d185"
},
"fraudAnalysisMetadata": {
"sla": 10,
"customer": {
"id": "c3eb8208-760d-4f21-b54f-70601db69aee",
"updatedAt": "2022-08-10T14:31:37.045Z",
"createdAt": "2022-08-10T14:31:37.045Z",
"idempotencyKey": null,
"requestId": null,
"name": "João Neves",
"identity": "62871519005",
"identityType": "CPF",
"birthdate": null,
"phone": "219988776654",
"billingAddress": {
"street": "Rua CJ-14",
"number": "100",
"zipCode": "69314702",
"country": "BR",
"state": "PR",
"district": "Jardim Tropical",
"city": "Boa vista",
"complement": "ap 110"
}
},
"cart": {
"items": [
{
"name": "ItemTeste1",
"quantity": 1,
"sku": "20170511",
"unitPrice": 991,
"risk": "High"
}
]
}
},
"transactionRequests": [
{
"id": "e03d2e8f-a279-4227-8753-ad7e248e242e",
"createdAt": "2022-08-10T19:21:21.910Z",
"updatedAt": "2022-08-10T19:21:21.910Z",
"idempotencyKey": null,
"providerId": "91d0191d-75fa-4abc-bc8b-f2c5d0170ebc",
"providerType": "PAGARME_V5",
"transactionId": "17979806",
"amount": 991,
"authorizationCode": "386630",
"authorizationNsu": "17979806",
"requestStatus": "success",
"requestType": "void",
"responseTs": "333ms",
"providerAuthorization": {
"networkAuthorizationCode": "386630",
"networkResponseCode": "authorized"
}
},
{
"id": "9e15983b-eb1f-4407-b00f-e28c2a98bd51",
"createdAt": "2022-08-10T19:21:21.393Z",
"updatedAt": "2022-08-10T19:21:21.393Z",
"idempotencyKey": null,
"providerId": "8355537a-1d61-4426-aa8e-8905c15a2489",
"providerType": "CLEARSALE",
"transactionId": "0AE2DE127C8242579EF7D192DC4EAB16",
"amount": 991,
"authorizationCode": null,
"authorizationNsu": null,
"requestStatus": "success",
"requestType": "anti_fraud",
"responseTs": "1340ms",
"fraudAnalysis": {
"score": 97,
"status": "reproved"
}
},
{
"id": "f3e23e9e-52ff-40e4-b858-cffa32f10622",
"createdAt": "2022-08-10T19:21:19.532Z",
"updatedAt": "2022-08-10T19:21:21.982Z",
"idempotencyKey": "c9b417bd-fd21-42fc-9123-88dcb035449a",
"providerId": "91d0191d-75fa-4abc-bc8b-f2c5d0170ebc",
"providerType": "PAGARME_V5",
"transactionId": "17979806",
"amount": 991,
"authorizationCode": "386630",
"authorizationNsu": "17979806",
"requestStatus": "success",
"requestType": "pre_authorization",
"responseTs": "418ms",
"providerAuthorization": {
"networkAuthorizationCode": "386630",
"networkResponseCode": "authorized"
}
}
]
}
Sempre que a transação for reprovada no antifraude, por padrão faremos o
cancelamento da pré autorização automaticamente. Caso a tentativa de
cancelamento falhe, a transação manterá o status
pre_authorized e poderá ser
cancelada ou capturada manualmente, de acordo com a sua preferência.Exemplo de cobrança com erro a acessar Antifraude
Caso um erro ocorra no provedor antifraude, o comportamento padrão do fluxo de pagamentos é retornar a transação ainda pré-autorizada.curl --location --request POST 'https://api.malga.io/v1/charges' \
--header 'x-client-id: <YOUR_CLIENT_ID>' \
--header 'x-api-key: <YOUR_API_KEY>' \
--header 'Content-Type: application/json' \
--data-raw '{
"merchantId": "2f837bc1-9dc5-4683-9610-6e75ed9e5aa6",
"amount": 991,
"currency": "BRL",
"statementDescriptor": "Pedido #231 loja joão",
"capture": true,
"paymentMethod": {
"paymentType": "credit",
"installments": 1
},
"paymentSource": {
"sourceType": "card",
"card": {
"cardHolderName": "JOSE DAS NEVES",
"cardNumber": "4929564637987814",
"cardCvv": "120",
"cardExpirationDate": "12/2026"
}
},
"fraudAnalysis": {
"sla": 10,
"customer": {
"name": "João Neves",
"identity": "62871519005",
"identityType": "CPF",
"birthdate": null,
"phone": "219988776654",
"billingAddress": {
"street": "Rua CJ-14",
"number": "100",
"zipCode": "69314702",
"country": "BR",
"state": "PR",
"district": "Jardim Tropical",
"city": "Boa vista",
"complement": "ap 110"
}
},
"cart": {
"items": [
{
"name": "ItemTeste1",
"quantity": 1,
"sku": "20170511",
"unitPrice": 991,
"risk": "High"
}
]
}
}
}'
< HTTP/2 201
< content-type: application/json; charset=utf-8
{
"id": "9b7f2329-5f0b-417d-8e43-022a1057fded",
"clientId": "<YOUR_CLIENT_ID>",
"merchantId": "2f837bc1-9dc5-4683-9610-6e75ed9e5aa6",
"description": null,
"orderId": null,
"createdAt": "2022-08-10T19:26:55.701Z",
"amount": 991,
"originalAmount": 991,
"currency": "BRL",
"statementDescriptor": "Pedido #231 loja joão",
"capture": true,
"status": "pre_authorized",
"paymentMethod": {
"installments": 1,
"paymentType": "credit"
},
"paymentSource": {
"sourceType": "card",
"cardId": "d96fbcae-065e-4cd0-ac1e-b27714618c95"
},
"fraudAnalysisMetadata": {
"sla": 10,
"customer": {
"id": "c3eb8208-760d-4f21-b54f-70601db69aee",
"updatedAt": "2022-08-10T14:31:37.045Z",
"createdAt": "2022-08-10T14:31:37.045Z",
"idempotencyKey": null,
"requestId": null,
"name": "João Neves",
"identity": "62871519005",
"identityType": "CPF",
"birthdate": null,
"phone": "219988776654",
"billingAddress": {
"street": "Rua CJ-14",
"number": "100",
"zipCode": "69314702",
"country": "BR",
"state": "PR",
"district": "Jardim Tropical",
"city": "Boa vista",
"complement": "ap 110"
}
},
"cart": {
"items": [
{
"name": "ItemTeste1",
"quantity": 1,
"sku": "20170511",
"unitPrice": 991,
"risk": "High"
}
]
}
},
"transactionRequests": [
{
"id": "52efd018-c005-4b20-b28f-2cf390c794ef",
"createdAt": "2022-08-10T19:26:56.388Z",
"updatedAt": "2022-08-10T19:26:56.388Z",
"idempotencyKey": "11f4bd50-4110-43bf-91e7-28ae8d0d243b",
"providerId": "8355537a-1d61-4426-aa8e-8905c15a2489",
"providerType": "CLEARSALE",
"transactionId": null,
"amount": 991,
"authorizationCode": null,
"authorizationNsu": null,
"requestStatus": "timeout",
"requestType": "anti_fraud",
"responseTs": "9ms",
"providerError": {
"retryable": false,
"declinedCode": null,
"networkDeniedMessage": null,
"networkDeniedReason": null
}
},
{
"id": "65199fff-b961-473a-a75f-2b5717d73089",
"createdAt": "2022-08-10T19:26:55.802Z",
"updatedAt": "2022-08-10T19:26:56.412Z",
"idempotencyKey": "11f4bd50-4110-43bf-91e7-28ae8d0d243b",
"providerId": "91d0191d-75fa-4abc-bc8b-f2c5d0170ebc",
"providerType": "PAGARME_V5",
"transactionId": "17981570",
"amount": 991,
"authorizationCode": "430210",
"authorizationNsu": "17981570",
"requestStatus": "success",
"requestType": "pre_authorization",
"responseTs": "467ms",
"providerAuthorization": {
"networkAuthorizationCode": "430210",
"networkResponseCode": "authorized"
}
}
]
}
Caso ocorra alguma instabilidade com o provedor antifraude, existem duas
opções para lidar com este cenário que devem ser configuradas em seu fluxo de
pagamentos: -
captureOnError: Faz a captura mesmo que ocorra instabilidade
no provedor de antifraude. - refundOnError: Faz o estorno da transação em
caso de instabilidade no provedor de antifraude. Não pode ser ligada ao mesmo
tempo que captureOnError. Nos casos onde captureOnError e refundOnError
estão desligadas, a transação é retornada como pre_authorized.