Manage fraud with xenShield

xenShield is Xendit's fraud prevention system that works around the clock to protect your business from fraudulent payments. Think of it as a security guard that carefully checks every payment coming through your business, automatically stopping suspicious transactions before they can cause problems.

How to find and use xenShield in your Xendit account

xenShield's features are organized into three main areas in your Xendit dashboard. Let's look at each one and how to use them effectively.

Looking at your fraud prevention summary

The summary page gives you a quick overview of potentially risky transactions. Here's how to find and use it:

1. Log in to your dashboard

2. Click Accept Payments on your sidebar, then select Credit/Debit Cards

3. Click Fraud Prevention and make sure you're on the Summary tab

On this page, you'll see all transactions from the last 7 days that xenShield has flagged as potentially fraudulent. For each transaction, you can see:

• Whether the payment is successful or failed

• How much money was involved

• The level of risk xenShield detected

• A reference number to track the transaction

• Which card was used

• When the payment happened

xenShield marks transactions with different risk levels using color-coded labels:

• A red "High" label means the transaction looks very suspicious.

• An orange “Medium” label suggests there are some unusual patterns to check.

• A green “Normal” label means the transaction appears normal and safe.

Managing your allow and block lists

The Lists feature lets you tell xenShield which payments to always accept or reject. To find this section:

1. Go to the List tab in Fraud Prevention

2. You'll see two main sections: Allow List and Block List

In the Allow List section, you can create lists of trusted sources:

• IP addresses you know are safe

• Card types (BINs) you want to accept

• Specific card numbers you trust

• Countries where you're happy to accept cards from

• Countries where you know your customers are located

In the Block List section, you can list sources you want to block:

• IP addresses that have caused problems

• Card types you don't want to accept

• Specific cards that have been fraudulent

• Countries you don't want to accept cards from

• Countries you want to block based on IP address

To update any of these lists:

1. Click on the list you want to change.

2. Add the details you want to allow or block.

3. Save your changes.

How xenShield checks each payment

When someone makes a payment, xenShield looks at many factors to decide if it's safe:

The payment details:

• How much money is being paid

• What kind of card is being used

• Whether the card's security checks passed

• Where the payment is coming from

The customer's behavior:

• Have they bought from you before

• Do they usually make similar purchases

• What device they're using

• Whether their location makes sense

Based on what it finds, xenShield assigns a risk level:

High risk:

• The payment looks very suspicious

• xenShield blocks it automatically

• You'll see a red label in the transaction

• You'll need to review it if you want to add the card to the allow list, or continue to block any attempt from the same card

Medium risk:

• Something unusual was noticed

• The payment goes through but is marked

• You'll see an orange label in the transaction

• You'll need to review it if you want to add the card to the block list, or continue to accept any attempt from the same card

Normal risk:

• The payment looks legitimate

• Everything processes normally

• No special attention needed

Getting the best results from xenShield

Here's how to make xenShield work best for your business:

1. Check your fraud prevention summary at least once a day to catch any problems early.

2. Keep your allow and block lists up to date:

   1. Add customers you know and trust to your allow lists.

   2. Add any problematic sources to your block lists.

   3. Review your lists every few weeks to make sure they're still accurate.

Note

Remember that xenShield is your first line of defense against fraud, but it works best when combined with your business knowledge and regular monitoring.