Fraudio Data Schema

info

Here is Fraudio's full data schema, containing all of the data fields that we use, along with other useful information such as data type, priority level (by product), field description, and the API Endpoint that uses that field.

The schema is organised by API endpoint, which enables you to quickly locate all relevant fields associated with each endpoint.

User guide

First, select the Fraudio product you're using:

• Payment Fraud Detection (for issuers)
• Payment Fraud Detection (for acquirers or payment processors)
• Merchant-Initiated Fraud Detection, or AML (Anti Money Laundering)

Filtering results

You can then optionally:

• Filter by API endpoint to show only the fields which relate to that endpoint
• Filter data fields by priority level
• Use the search bar to quickly find the information you need
• Sort by any column you'd like

Data Schema

Select Fraudio product:

Select an API endpoint group...

Select data fields by priority level:

Critical & RequiredImportantSupplementary

API Endpoint	Field	Data Type	Payment Fraud (Acquirer / Processor)	Description
Payment Fraud Score	transactionid	String	Critical & Required	The unique identifier of the transaction event. Every transaction event, so auth, capture, auth_capture, etc., has its own unique ID.
Payment Fraud Score	transactiontype	String	Critical & Required	The type of transaction event, for events that need to be scored. Accepted values are: - auth: An authorization is used to reserve funds on the customer's card without yet deducting them. - auth_capture: A simultaneous combination of auth and capture in the same transaction, for when there is no need to perform these operations separately.
Payment Fraud Score	timestamp	Double	Critical & Required	The UTC time at which the transaction was made. When sending events in realtime, this will usually be 'now'. Only Unix Timestamps are accepted.
Payment Fraud Score	amount	Double	Critical & Required	The transaction amount in the unit specified by the 'currencyunit' field. Note: The unit used in this field should be explicitly stated in the 'currencyunit' field.
Payment Fraud Score	currency	String	Critical & Required	The 3-digit ISO code for the currency used in the transaction.
Payment Fraud Score	currencyunit	String	Critical & Required	This field defines the unit of currency used in the 'amount' field. Accepts only major (e.g., 12.30) or minor (e.g., 1230) unit values. This choice should align with the unit used in the 'amount' field.
Payment Fraud Score	channel	String	Critical & Required	Indicates the specific type of channel used for a transaction. Accepted values with their description: - ecom: Ecommerce transaction, this is a card-not-present transaction done over the internet. - pos: Point of Sale transaction, also known as card-present. - moto: A mail or telephone order is a card-not-present transaction where the cardholder gives permission to process the transaction by providing order and payment details by mail (not email), fax, or telephone. - atm: Automated Teller Machine transaction, where a card is used at an ATM for activities such as cash withdrawals and deposits.
Payment Fraud Score	merchant	String	Critical & Required	The unique identifier of the merchant. This field uniquely identifies the merchant, and should not be confused with the MID. Any unique identifier is accepted.
Payment Fraud Score	mcccode	String	Critical & Required	A Merchant Category Code (MCC) is a four-digit number listed for financial services. An MCC is used to classify a business by the types of goods or services it provides. Only ISO 18245 mcc codes are accepted.
Payment Fraud Score	cardbin	String	Critical & Required	The Bank Identification Number (BIN), also known as the Issuer Identification Number (IIN), is the first six or eight digits of the card number.
Payment Fraud Score	lastfourdigits	String	Critical & Required	The last four digits of the card number.
Payment Fraud Score	cardexpirydate	String	Critical & Required	The expiry date of the card. Accepted format: MM/yy.
Payment Fraud Score	cardtoken	String	Critical & Required	The card token is the encryption that is used to identify the credit card. Any salted hash is accepted.
Payment Fraud Score	responsecode	String	Critical & Required	The response code is a numerical code that indicates the outcome of authorization checks of issuing banks. The code must be a 2 character ISO8583-1987 response.
Payment Fraud Score	success	String	Critical & Required	This indicates the overall result of the transaction. Accepted values are: - true: Transaction fully completed without any failures (both technical and non-technical). - false: Any part of the transaction failed or did not meet the necessary criteria, regardless of technical success. - none: The outcome of the transaction is uncertain or not yet known. Please use true only for fully successful transactions. Use false if there's any doubt or known issues, and none when outcome information is incomplete.
Payment Events Enrichment	transactionid	String	Critical & Required	The unique identifier of the transaction event. Every transaction event, so auth, capture, auth_capture, etc., has its own unique ID.
Payment Events Enrichment	transactiontype	String	Critical & Required	The type of transaction event, for events that do not need scoring. Accepted values are: - auth: An authorization is used to reserve funds on the customer's card without yet deducting them. - capture: A capture is used to immediately deduct authorised funds (up to the amount auth'd) from a customer's card. A capture should always be linked to at least one authorization via the parenttransactionid. - auth_capture: A simultaneous combination of auth and capture in the same transaction, for when there is no need to perform these operations separately. - refund: A refund transaction returns credit to a customer's payment method. - void: A void transaction is the explicit discarding of authorization of funds. - top_up: Increases the available credit of a credit card. - incremental_auth: A transaction that increases the authorised amount of a confirmed auth transaction that has not yet been captured. - reversal: A reversal cancels the transaction and re-credits the customer's payment method. This happens directly after the transaction has taken place but before the funds have been fully processed. - withdrawal: The withdrawal of cash from the cardholder's bank account. - deposit: The deposit of cash into the cardholder's bank account. - none: Use only when the transactiontype is unknown.
Payment Events Enrichment	timestamp	Double	Critical & Required	The UTC time at which the transaction was made. When sending events in realtime, this will usually be 'now'. Only Unix Timestamps are accepted.
Payment Events Enrichment	amount	Double	Critical & Required	The transaction amount in the unit specified by the 'currencyunit' field. Note: The unit used in this field should be explicitly stated in the 'currencyunit' field.
Payment Events Enrichment	currency	String	Critical & Required	The 3-digit ISO code for the currency used in the transaction.
Payment Events Enrichment	currencyunit	String	Critical & Required	This field defines the unit of currency used in the 'amount' field. Accepts only major (e.g., 12.30) or minor (e.g., 1230) unit values. This choice should align with the unit used in the 'amount' field.
Payment Events Enrichment	channel	String	Critical & Required	Indicates the specific type of channel used for a transaction. Accepted values with their description: - ecom: Ecommerce transaction, this is a card-not-present transaction done over the internet. - pos: Point of Sale transaction, also known as card-present. - moto: A mail or telephone order is a card-not-present transaction where the cardholder gives permission to process the transaction by providing order and payment details by mail (not email), fax, or telephone. - atm: Automated Teller Machine transaction, where a card is used at an ATM for activities such as cash withdrawals and deposits.
Payment Events Enrichment	merchant	String	Critical & Required	The unique identifier of the merchant. This field uniquely identifies the merchant, and should not be confused with the MID. Any unique identifier is accepted.
Payment Events Enrichment	mcccode	String	Critical & Required	A Merchant Category Code (MCC) is a four-digit number listed for financial services. An MCC is used to classify a business by the types of goods or services it provides. Only ISO 18245 mcc codes are accepted.
Payment Events Enrichment	cardbin	String	Critical & Required	The Bank Identification Number (BIN), also known as the Issuer Identification Number (IIN), is the first six or eight digits of the card number.
Payment Events Enrichment	lastfourdigits	String	Critical & Required	The last four digits of the card number.
Payment Events Enrichment	cardexpirydate	String	Critical & Required	The expiry date of the card. Accepted format: MM/yy.
Payment Events Enrichment	cardtoken	String	Critical & Required	The card token is the encryption that is used to identify the credit card. Any salted hash is accepted.
Payment Events Enrichment	responsecode	String	Critical & Required	The response code is a numerical code that indicates the outcome of authorization checks of issuing banks. The code must be a 2 character ISO8583-1987 response.
Payment Events Enrichment	success	String	Critical & Required	This indicates the overall result of the transaction. Accepted values are: - true: Transaction fully completed without any failures (both technical and non-technical). - false: Any part of the transaction failed or did not meet the necessary criteria, regardless of technical success. - none: The outcome of the transaction is uncertain or not yet known. Please use true only for fully successful transactions. Use false if there's any doubt or known issues, and none when outcome information is incomplete.
Payment Post-Authorization Enrichment	transactionid	String	Critical & Required	The unique identifier of the transaction event. Every transaction event, so auth, capture, auth_capture, etc., has its own unique ID.
Payment Post-Authorization Enrichment	timestamp	Double	Critical & Required	The UTC time at which the transaction was made. When sending events in realtime, this will usually be 'now'. Only Unix Timestamps are accepted.
Payment Post-Authorization Enrichment	transactiontype	String	Critical & Required	The type of transaction event. Accepted values are: - auth: An authorization is used to reserve funds on the customer's card without yet deducting them. - capture: A capture is used to immediately deduct authorised funds (up to the amount auth'd) from a customer's card. A capture should always be linked to at least one authorization via the parenttransactionid. - auth_capture: A simultaneous combination of auth and capture in the same transaction, for when there is no need to perform these operations separately. - refund: A refund transaction returns credit to a customer's payment method. - void: A void transaction is the explicit discarding of authorization of funds. - top_up: Increases the available credit of a credit card. - incremental_auth: A transaction that increases the authorised amount of a confirmed auth transaction that has not yet been captured. - reversal: A reversal cancels the transaction and re-credits the customer's payment method. This happens directly after the transaction has taken place but before the funds have been fully processed. - none: Use only when the transactiontype is unknown.
Payment Post-Authorization Enrichment	success	String	Critical & Required	This indicates the overall result of the transaction. Accepted values are: - true: Transaction fully completed without any failures (both technical and non-technical). - false: Any part of the transaction failed or did not meet the necessary criteria, regardless of technical success. - none: The outcome of the transaction is uncertain or not yet known. Please use true only for fully successful transactions. Use false if there's any doubt or known issues, and none when outcome information is incomplete.
Payment Post-Authorization Enrichment	responsecode	String	Critical & Required	The response code is a numerical code that indicates the outcome of authorization checks of issuing banks. The code must be a 2 character ISO8583-1987 response.
Dispute Events	transactionid	String	Critical & Required	The unique identifier of the transaction event. Every transaction event, so auth, capture, auth_capture, etc., has its own unique ID.
Dispute Events	timestamp	Double	Critical & Required	The UTC time at which the transaction was made. When sending events in realtime, this will usually be 'now'. Only Unix Timestamps are accepted.
Dispute Events	reporttype	String	Critical & Required	The type of fraud report. Please note: 1st chargebacks and fraud notifications are the priority here, especially during integration! Accepted values are: - fraud notification: Fraud activity reported by the (cardholder's) bank. Examples are Visa's TC40 files and MasterCard's SAFE files. - 1st chargeback: First stage of the chargeback where the disputed amount is withdrawn from the merchant's account. - information supplied: Defense documents against the 1st chargeback are supplied. - chargeback reversal: The disputed amount is transferred back to the merchant's account. - pre-arbitration: A stage in a chargeback dispute where the issuer, unconvinced with the merchant's provided evidence, escalates the case for further review, serving as an intermediate step before potential full arbitration. - 2nd chargeback: 2nd and definite chargeback where the disputed amount is withdrawn from the merchant's account.
Dispute Events	merchant	String	Critical & Required	The unique identifier of the merchant. This field uniquely identifies the merchant, and should not be confused with the MID. Any unique identifier is accepted.
Dispute Events	chargebackreason	String	Critical & Required	Reason for the chargeback.