Risk Conditions

Yuno's Risk conditions empower merchants with advanced fraud prevention tools. This feature allows you to create and manage user lists and custom rules tailored to your business model, offering the flexibility to adapt protection strategies to your specific needs. Using the Risk conditions section reduces unnecessary requests to fraud prevention providers, optimizing resources and enhancing operational efficiency.

Currently, the Risk conditions section provides three main tabs:

• Rules
• Blocklists
• Allowlists

Rules

Yuno offers customizable velocity rules to help detect and respond to suspicious behaviour patterns, such as sudden surges in transaction volume over a short period. This proactive approach helps mitigate risks associated with stolen cards or compromised accounts exploited by cybercriminals.

With Yuno, you can create protection rules tailored to your specific business needs. These rules monitor transaction frequency and volume per individual account, allowing you to detect unusual activity in real time. You can select from multiple rule types and combine them to target specific fraudulent behaviours with precision.

In addition to blocking fraudulent payments, Yuno's rules also help identify secure transactions. You can automatically bypass Fraud Screening or 3DS for verified payments to streamline the user experience. However, it's important to configure these rules carefully, as incorrect settings may lead to security gaps or unintended transaction blocks.

Within the Rules tab, select Create rule to configure your own rules. Set the following parameters based on your needs:

• Name: Give your rule a memorable name and description.
• Rule type: Track the number of payments or cards used by a user within a specific timeframe. Add conditions to track shipping changes, IP addresses, card brands, and more.
• Settings: Define the parameter used to count users, the types of payments to include (succeded, declined, etc.), and whether to count payments across the organization or the only current account.
• Outcome: Choose to allow, block, review, or test payments when a rule is triggered.
• Apply this list to other accounts: Choose whether to apply the rule to other accounts.

Blocklists

Blocklists help prevent fraudulent activity by automatically declining payments from users that match specific parameters. You can manually add users to the list or upload a CSV file to block multiple users at once. It's also possible to configure an automatic removal period for each entry.

A payment will be blocked if it matches any of the following:

• Email
• Phone number
• Card BIN
• IP address
• Merchant customer ID
• Card BIN + last 4 digits
• Document number
• Customer ID
• Card/bank account holder name
• Device ID
• Shipping address

From the Blocklists tab, click Create blocklist to configure these parameters:

1. List name: Enter a clear, descriptive name for the blocklist.
2. List type: Select the parameter you want to block by (email, phone number, card BIN, device ID, etc.).
3. Add emails: You can either:
   • Enter individual values directly into the field (separated by commas or tabs), or
   • Upload a CSV file containing a batch of entries.
   • Optionally, enable the setting to automatically remove entries after a specified period of time.
4. Apply this list to other accounts: Select which accounts the blocklist should apply to. By default, it only applies to the current account, but you can include other accounts by checking them from the list.

Allowlists

Allowlists let you automatically approve transactions from trusted users based on matching parameters. This reduces friction and improves the experience for known, verified customers. You can add users manually or in bulk via CSV, and also configure automatic expiration for each entry.

Users can be allowlisted based on:

• Email
• Phone number
• Card BIN
• IP address
• Merchant customer ID
• Card BIN + Last 4 digits
• Document number
• Customer ID
• Card/bank account holder name
• Device ID
• Shipping address

From the Allowlists tab, click Create allowlist to configure these parameters:

1. List name: Enter a descriptive name for the allowlist.
2. List type: Choose the parameter to match against, such as an email, card BIN, or device ID.
3. List outcome: Select what happens when a match is found:
   • Skip fraud screening
   • Skip 3DS
   • Skip both fraud screening and 3DS
4. Add emails: Add addresses manually (separated by commas or tabs) or upload a CSV file.
5. Auto-remove: Optionally enable automatic removal after a defined period of time.
6. Apply to accounts: Choose which accounts the list should apply to. By default, it's limited to the current account, but you can apply it to others as needed.

Adding the Risk conditions connection

You must configure the Risk conditions connection to enable rules and lists. Follow these steps to set it up once you have created your rules and lists:

1. Navigate to Connections in the dashboard, search for Risk conditions, and click Connect.
2. Follow the simple on-screen instructions to add the Risk condition connection.
3. Access Routing in the dashboard, select a route and add Risk conditions to it. From here, you can select which rules and lists to use for that payment method.
4. Publish your route to activate the changes.