Merchants > API Reference > Endpoints > Payment Method Voucher

Payment Method Voucher

Field Status Definitions

Required Required fields must be sent. If the data is not sent Ravelin will return an error.

Important Important fields are crucial for performance where that data is relevant for your business.

Optional Optional fields are additional data points that can be shared with Ravelin.
These fields are unlikely to impact performance but may be visible in the Ravelin dashboard.

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POST api.ravelin.com/v2/paymentmethod/voucher

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timestamp integer required

The time at which this data payload was valid. When sending events in realtime, this will usually be 'now'. This is used to merge data that arrives out-of-order.

A Unix timestamp preferably as an integer count of milliseconds since 1970-01-01T00:00 UTC (nanoseconds are also accepted).

voucherRedemption object required

Represents the redemption of the voucher.

Show definition

paymentMethodId string required

A unique identifier for the voucher usage. A transactionId for vouchers.

Minimum length: 1

voucherCode string required

The string customers actually see in their app.

Minimum length: 1

value integer required

The value that the voucher can be exchanged for, in the currency's basic units.

redemptionTime integer required

The time that the customer is utilising the voucher.

A Unix timestamp preferably as an integer count of milliseconds since 1970-01-01T00:00 UTC (nanoseconds are also accepted).

success boolean required

Whether the voucher has successfully been used by the customer.

currency string optional

The currency of the value of this voucher, as an ISO 4217 currency code.

Pattern: ^[a-zA-Z]{3}$

expiry integer optional

The time the after which the voucher can no longer be redeemed.

A Unix timestamp as an integer count of milliseconds, or nanoseconds since 1970-01-01T00:00 UTC.

voucherType string optional

The type of the voucher. If REFERRAL, also set the referredId so Ravelin will create a network of who has invited who.

One of: REFERRAL, REACTIVATION, GENERAL, or STAFF.

referrerId string optional

The customerId of the customer who created this voucher.

referralValue integer optional

The amount the referring customer of the voucher gets when the voucher is used, in the currency's basic units.

failureReason string optional

Optional reason why the attempt was not successful.

One of: EXPIRED, NOT_NEW_CUSTOMER, ALREADY_USED, ABUSER, SYSTEM_FAILURE, or MAX_ALLOWED_TIMES.

failureSource string optional

The source of why the voucher failed.

One of: RAVELIN, or CLIENT.

custom object optional

Custom data that is relevant to your domain. This can be any json object. Please include any details that you think are relevant to fraud that our schema does not capture.

eventType string optional

An eventType should identify what event in your system triggered this API call.

Pattern: ^[a-zA-Z0-9][a-zA-Z0-9-_]*$

Minimum length: 1

customerId string optional

The unique identifier of the customer. If your system allows guest checkouts then we recommend making this the customer's lower-cased email address.

Minimum length: 1

Maximum length: 300

customer object optional

Show definition

customerId string required

The unique identifier of the customer. If your system allows guest checkouts then we recommend making this the customer's lower-cased email address.

Minimum length: 1

Maximum length: 300

registrationTime integer important

The time that the customer registered. If this value is unknown, you can set it to the time the request is sent. Ravelin will retain the earliest value you have sent for this customer ID.

A Unix timestamp preferably as an integer count of milliseconds since 1970-01-01T00:00 UTC (nanoseconds are also accepted).

email string important

The email address of the customer.

Maximum length: 320

emailVerifiedTime integer important

The time at which the customer verified their email, usually by following a link back to your website from an email you sent to their address.

A Unix timestamp preferably as an integer count of milliseconds since 1970-01-01T00:00 UTC (nanoseconds are also accepted).

name string important

The full name of the customer. If you have the name split into parts, consider familyName and givenName instead.

familyName string important

The surname/last name of the customer. If you do not have the name split into parts, consider name instead.

givenName string important

The first/given names of the customer. If you do not have the name split into parts, consider name instead.

telephone string important

The telephone number of the customer. Best in E.164 format with an international dialing code.

telephoneVerifiedTime integer important

The time at which the customer verified their telephone number, usually by confirming a code from an SMS you sent to the number.

A Unix timestamp preferably as an integer count of milliseconds since 1970-01-01T00:00 UTC (nanoseconds are also accepted).

telephoneCountry string optional

The country the telephone number directs to. Note that the country is not an adequate replacement for the international dialing code in the Dominican Republic or Puerto Rico where multiple dialing codes are used.

An ISO 3166-1 Alpha 3 or Alpha 2 country code.

Minimum length: 2

Maximum length: 3

tags object optional

The tags to set or unset. Use the tag ID followed by true or false, depending on whether you want to set or unset the tag.

location object optional

Show definition

country string important

An ISO 3166-1 Alpha 3 or Alpha 2 country code.

Minimum length: 2

Maximum length: 3

postalCode string important

The postal or zip code. If provided without latitude or longitude, Ravelin will perform coarse geolocation in some countries.

latitude number important

The latitude of the location.

longitude number important

The longitude of the location.

addresseeName string optional

The name of the person that will accept delivery of goods to this address.

street1 string optional

The street address of the location.

street2 string optional

The street address of the location.

neighbourhood string optional

The neighbourhood of the location.

zone string optional

The zone of the location.

city string optional

The city/village/town

region string optional

The state/county of the location.

poBoxNumber string optional

The PO box number related to the location.

custom object optional

Custom data that is relevant to your domain. This can be any json object. Please include any details that you think are relevant to fraud that our schema does not capture.

geohash string optional

deprecated

The geohash of the location.

custom object optional

Custom data that is relevant to your domain. This can be any json object. Please include any details that you think are relevant to fraud that our schema does not capture.

accountType string important

The type of account which the customer currently has.

Response

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status integer

The HTTP response status code.

timestamp integer

A Unix timestamp indicating when we finished handling the request.

message string

If an error has occurred, a description of the error.

data object

Contains our recommendations and related details.

Show definition

action string

Our recommended action.

Use this to determine how you should handle the order.

See source for the reason for this recommendation.

One of: ALLOW, REVIEW, or PREVENT.

source string

The reason for our recommended action.

Do not implement any logic based upon this field as we may add new values in the future without warning.

Options:

CHARGEBACK - The action was based the customer having at least one unforgiven dispute.
LOOKUP - The action was based on finding the customer in our Lookup fraud database.
MANUAL_REVIEW - The action was based on a manual review.
NETWORK - The action was based on how the customer was connected in our Connect graph network.
RATE_LIMIT - This request was rate-limited. The action was based on the default action for rate-limited requests.
RAVELIN - The action was based on the payment fraud score and your thresholds. See score.
RULE - The action was based on a rule.

score integer

The fraud score produced by the machine learning model. A value between 0 and 100. The higher the number the more fraudulently the model scored the customer.

This may not be the source of the final recommendation, see source.

customerId string

The ID of the customer to which this recommendation applies.

scoreId string

A unique ID for this score.

transactionOptimisation object

If transaction optimisation is enabled, and a transaction optimisation recommendation was requested, this will contain the recommendation and related details.

Show definition

transactionId string

The identifier for the transaction, as provided in the request.

action string

Our transaction optimisation recommendation for whether the transaction should be authenticated or sent straight to authorisation.

One of: AUTHENTICATE, or AUTHORISE.

exemption string

The SCA exemption type to request for the transaction.

One of: TRANSACTION_RISK_ANALYSIS, or LOW_VALUE.

threeDSChallengePreference string

The preference for whether or not a 3DS challenge should be performed. This field is only present if action is AUTHENTICATE.

One of: NO_PREFERENCE, NO_CHALLENGE_REQUESTED, CHALLENGE_REQUESTED, or CHALLENGE_REQUESTED_AS_MANDATE.

actionSource string

The source of the given recommendation.

One of: ML, CLIENT_RULE, COMPLIANCE, or NO_ACTION_SOURCE.

compliance object

Indicates the effect that any compliance regulations had on the recommendation.

Show definition

types array

Indicates the types of compliance regulations that affected the recommendation.

optimisable boolean

Indicates if we were able to optimise this transaction.

description string

Indicates why a transaction is non-optimisable. Will only be present if optimisable is false.

excludedRecommendations array

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recommendation object

Indicates a recommendation which was unavailable for the transaction for compliance reasons.

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route string

One of: AUTHENTICATE, or AUTHORISE.

exemption string

One of: LOW_VALUE, or TRANSACTION_RISK_ANALYSIS.

description string

Indicates why this recommendation was unavailable for the transaction.

rules object

Indicates which rules were triggered to cause the given recommendation.

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triggered array

An array containing the details of the rules which were triggered.

Show definition

ruleName string

The name of the rule which triggered to produce the action.

ruleId integer

The ID of the rule which triggered to produce the action.

ruleVersion integer

The version number of the rule which triggered to produce the action.

action string

The action which the rule produced.

One of: NONE, AUTHENTICATE, or AUTHORISE.

exemption string

The exemption which the rule produced.

One of: TRANSACTION_RISK_ANALYSIS, or LOW_VALUE.

threeDSChallengePreference string

The 3DS challenge preference which the rule produced.

One of: NO_PREFERENCE, NO_CHALLENGE_REQUESTED, CHALLENGE_REQUESTED, or CHALLENGE_REQUESTED_AS_MANDATE.

triggered boolean

Whether the rule triggered.

state string

The state of the rule when it executed. An active rule is live, whereas a passive rule is in test mode.

One of: active, or passive.

excluded boolean

Whether the recommendation from the rule is excluded for compliance reasons.

threeDS object

Contains an enriched AReq that can be passed on to your 3DS provider. Please see the 3DS Data Enrichment guide for more details.

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areq object

Contains AReq fields that can be passed on to your 3DS provider.

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acctInfo object

Information about the cardholder's account.

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chAccAgeInd string

Length of time that the cardholder has had the account with the merchant.

One of the following:

01 - No account (guest check-out)
02 - Changed during this transaction
03 - Less than 30 days
04 - 30−60 days
05 - More than 60 days

chAccDate string

Date that the cardholder opened the account.

nbPurchaseAccount string

Number of purchases by this cardholder account during the last six months.

paymentAccAge string

Date that the payment method was added to the cardholder’s account.

paymentAccInd string

Indicates the length of time since the payment method was added to the cardholder’s account.

One of the following:

01 - No account (guest check-out)
02 - During this transaction
03 - Less than 30 days
04 - 30−60 days
05 - More than 60 days

txnActivityDay string

Number of transactions (successful and abandoned) by this cardholder account across all payment methods in the last 24 hours.

txnActivityYear string

Number of transactions (successful and abandoned) by this cardholder account across all payment methods in the last year.

suspiciousAccActivity string

Indicates whether the 3DS Requestor has experienced suspicious activity (including previous fraud) on the cardholder account.

One of the following:

01 - No suspicious activity has been observed
02 - Suspicious activity has been observed

threeDSRequestorChallengeInd string

Indicates whether a challenge is requested for this transaction.

One of the following:

01 - No preference
02 - No challenge requested
03 - Challenge requested (3DS Requestor preference)
04 - Challenge requested (mandate, e.g. required for PSD2 compliance)
05 - No challenge requested (transactional risk analysis is already performed)
10 - No challenge requested (utilise low value exemption)

merchantName string

Merchant name assigned by the acquirer.

Maximum length: 40

mcc string

Merchant category code. A card scheme specific code describing the merchant’s type of business, product or service.

Required length: 4

addrMatch string

Indicates whether the billing address and shipping address are the same.

One of the following:

Y - Billing address matches shipping address
N - Billing address does not match shipping address

billAddrLine1 string

First line of the billing address associated with the card used for this purchase.

Maximum length: 50

billAddrLine2 string

Second line of the billing address associated with the card used for this purchase.

Maximum length: 50

billAddrCity string

The city of the billing address associated with the card used for this purchase.

Maximum length: 50

billAddrState string

ISO 3166-2 country subdivision code for the state or province of the billing address associated with the card used for this purchase.

Maximum length: 3

billAddrPostCode string

ZIP or other postal code of the billing address associated with the card used for this purchase.

Maximum length: 16

billAddrCountry string

The numeric country code of the billing address associated with the card used for this purchase.

Required length: 3

shipAddrLine1 string

First line of the shipping address requested by the cardholder.

Maximum length: 50

shipAddrLine2 string

Second line of the shipping address requested by the cardholder.

Maximum length: 50

shipAddrCity string

City of the shipping address requested by the cardholder.

Maximum length: 50

shipAddrState string

ISO 3166-2 country subdivision code for the state or province of the shipping address requested by the cardholder.

Maximum length: 3

shipAddrPostCode string

The ZIP or other postal code of the shipping address requested by the cardholder.

Maximum length: 16

shipAddrCountry string

Numeric country of the shipping address requested by the cardholder.

Required length: 3

warnings array

Warnings when the data you are sending may negatively impact fraud detection.

Show definition

class string

Identifier for this warning. Format is [a-z-]+ so you can safely record it in your metrics system.

help string

A link to more information about this class of warning and the impact of not resolving.

msg string

A description indicating why this warning has been issued.

cachedScore boolean

In order to provide resiliency, on the rare occasion that Ravelin isn’t able to calculate a fraud score, a cached score is used to determine the action. If a cached score was used, this field will be true.

effectiveTime string

Response Version 1

Specifies the time the score was originally calculated. Uses the format 2020-01-01T00:00:00.00000000Z.

comment string

Response Version 1

If the customer was manually reviewed, the comment left by the reviewer.

rules object

Response Version 2

Contains details about the rules which were triggered by this customer.

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passiveAction string

The action which would have been returned if all test rules were live.

triggered array

An array containing the details of the rules which were triggered.

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ruleName string

The name of the rule which triggered to produce the action.

triggered boolean

Whether the rule triggered.

state string

The state of the rule. If the rule is live mode, the state will be active. If the rule is in test mode, the state will be passive.

One of: active, or passive.

ruleId integer

The ID of the rule which triggered to produce the action.

ruleVersion integer

The version number of the rule which triggered to produce the action.

collections array

The collections the rule belongs to.

category string

The category of the rule which triggered to produce the action, as set in the dashboard when the rule was created.

Options:

payment - Rules created to reduce payment fraud or implement payment-related business logic.
ato - Rules created to prevent account takeover.
txOptimisation - Rules created to optimise transaction routing and manage strong customer authentication exemptions.
refundAbuse - Rules created to prevent refund abuse.
psp - Rules created to optimise payment service providers performance.
supplier - Rules created to prevent supplier fraud.

description string

A human-readable explanation of why the rule triggered.

action string

The action which the rule produced.

connect object

Response Version 2

Contains details about the network the customer is connected to.

Show definition

fraudulent boolean

Indicates that the customer was within a certain distance to fraud in the network. The customer will have received a REVIEW or PREVENT payment fraud recommendation depending on their distance to fraud. See their customer profile in the Ravelin dashboard for more details about their distance to fraud.

lookup object

Response Version 2

Contains details about the Lookup results for the customer.

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lookupAction string

The payment fraud recommendation which was produced from the Lookup result. May not be the final recommendation.

One of: REVIEW, or PREVENT.

lookupResult object

Contains details about the Lookup results for the customer.

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industry string

If you have configured Lookup to only search a specific industry, this is the industry which was searched.

hasChargebacks boolean

Indicates whether the customer has disputes in any of the Lookup results.

reviewedAsFraudster boolean

Indicates whether the customer has been reviewed as a fraudster in any of the Lookup results.

email object

Contains details about the Lookup result found using the customer's email address.

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address string

The email address found in Lookup.

hasChargebacks boolean

Indicates the customer has disputes.

reviewedAsFraudster boolean

Indicates the customer has been reviewed as a fraudster.

telephone object

Contains details about the Lookup result found using the customer's telephone number.

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number string

The telephone number found in Lookup.

hasChargebacks boolean

Indicates the customer has disputes.

reviewedAsFraudster boolean

Indicates the customer has been reviewed as a fraudster.

ipAddress object

Contains details about the Lookup result found using the customer's IP address.

Show definition

address string

The IP address found in Lookup.

hasChargebacks boolean

Indicates whether the customer has disputes.

reviewedAsFraudster boolean

Indicates whether the customer has been reviewed as a fraudster.

market object

Response Version 2

Contains details about the market for the customer.

Show definition

city string

The city that the customer belongs to, based on their latest order. Used for reporting and risk bucketing.

This is populated from the order.marketCity field from the customer's latest order.

country string

The country the customer is from, based on their latest order. Used for reporting and risk bucketing.

This is populated from the order.country field from the customer's latest order.

region string

The country-group market the customer belongs to. E.g. 'southamerica', 'europe', 'emea'. Used for reporting and risk bucketing.

This is populated from the order.market field from the customer's latest order.

thresholds object

Response Version 2

Contains details about the machine learning fraud score thresholds.

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review integer

The review fraud score threshold. If the fraud score is used to produce the recommendation, a score above this threshold, but below the prevent threshold will produce a REVIEW recommendation.

prevent integer

The prevent fraud score threshold. If the fraud score is used to produce the recommendation, a score above this threshold will produce a PREVENT recommendation.

orderId string

Response Version 3

The ID of the order used to calculate the recommendation, typically the customer's latest order.

transactionId string

Response Version 3

The ID of the transaction used to calculate the recommendation, typically the customer's latest transaction.

mastercardIdentity object

Ravelin is partnered with Mastercard Identity to enrich Ravelin's existing data with additional signals and insights.

This object contains the data returned from Mastercard Identity.

This is only present if returning Mastercard Identity data in the response has been enabled for your account.

Show definition

enrichmentFailed boolean

True if and only if enrichment was attempted but did not complete successfully (for example, because of a provider error or insufficient data).

failureReason string

When enrichmentFailed is true, may contain a short machine-readable reason (for example ENRICHMENT_ERROR or INSUFFICIENT_DATA).

primaryEmailValid boolean

Whether the primary email passed validity checks. The primary email is typically the main email address associated with the customer.

primaryEmailFirstSeenDays integer

Days since the primary email was first seen by the Mastercard Identity network. If the email has not been observed before this will be 0.

primaryEmailToName string

Whether the primary email matches the expected name.

Options:

match - The email matches the expected name.
no-match - The email does not match the expected name.
not found - The email was not found in the Mastercard Identity network.

primaryEmailDomainCreationDate string

The date that the domain (for example, "gmail.com") of the primary email was created.

primaryEmailLastSeenDays integer

Days since the primary email was last seen by the Mastercard Identity network. If the email has not been observed before this will be 0.

ipRisk boolean

True if the IP address is considered risky, based on multiple IP data points and velocity calculations performed by the Mastercard Identity service.

ipRiskScore number

Comprehensive risk score associated with an IP address, with a higher score indicating a riskier IP address. A number between 0 and 1 rounded to three decimal places.

ipPrimaryAddressDistance integer

Distance (in miles) between the IP address and the primary physical address. The primary physical address is typically the billing address associated with the order.

ipSecondaryAddressDistance integer

Distance (in miles) between the IP address and the secondary physical address. The secondary physical address is typically the pick-up or shipping address associated with the order.

ipLastSeenDays integer

Days since the IP address was last observed in the Mastercard Identity network. If the IP address has not been observed before this will be 0.

ipGeolocationCountryCode string

The ISO-3166 alpha-2 country code associated with the geolocation of the IP address.

ipConnectionType string

Connection type associated with the IP address.

Options:

cable-dsl
corporate
cellular
dialup

primaryPhoneValid boolean

Whether the primary phone number is valid.

primaryPhoneLineType string

The line type of the primary phone number.

Options:

landline - Traditional wired phone line
fixed-voip - VOIP-based fixed line phones
mobile - Wireless phone line
voicemail - Voicemail-only service
toll-free - Callee pays for call
premium - Caller pays a premium for the call (for example 976 area code)
non-fixed-voip - Skype, for example
other - Anything that does not match the previous categories

primaryPhoneIpLastSeenDays integer

Days since the phone number and IP address were last observed together in the Mastercard Identity network. If they have not been observed before, this will be 0.

primaryPhoneToName string

Whether customer's name matches the name associated with the phone number in the Mastercard Identity network.

primaryPhoneCarrier string

The company that provides voice and/or data services for the primary phone number. Carriers are returned at the mobile virtual network operator (MVNO) level.

primaryAddressValidityLevel string

The most granular level to which the address could be validated. For example, if the address was only valid to the city level (but not to the house level), it would return valid_to_city.

Options:

missing_address - An input address was not provided
invalid - The input address is not valid
valid - The input address is valid
valid_to_country - The input address could only be validated to the country level. The country of the input address is valid, but the other elements of the input address were unable to be confirmed as valid or invalid
valid_to_city - The input address was validated to the city level. The country, state, city, and postal code of the input address are valid, but the street, house number, and subpremise of the input address were unable to be confirmed as valid or invalid
valid_to_street - The input address was validated to the street level. The country, state, city, postal code, and street of the input address are valid, but the house number and subpremise of the input address were unable to be confirmed as valid or invalid
valid_to_house_number - The input address was validated to the street and house number level. The country, state, city, postal code, street, and house number of the input address are valid, but the subpremise of the input address was unable to be confirmed as valid or invalid
valid_to_house_number_missing_apt - The input address was validated to the street and house number level. The country, state, city, postal code, street, and house number of the input address are valid, but the subpremise of the input address was missing and thus unable to be confirmed as valid or invalid

primaryAddressFirstSeenDays integer

Days since the primary address was first observed in the Mastercard Identity network. If the address has not been observed before, this will be 0.

primaryAddressToName string

Whether the customer's name matches the name associated with the primary address in the Mastercard Identity network.

secondaryEmailValid boolean

Whether the secondary email passed validity checks. The secondary email may be an email associated with the order if it is different from the primary email.

secondaryEmailFirstSeenDays integer

Days since the secondary email was first observed in the Mastercard Identity network. If the email has not been observed before, this will be 0.

secondaryPhoneValid boolean

Whether the secondary phone number is valid.

secondaryPhoneIpLastSeenDays integer

Days since the secondary phone number and IP address were last observed together in the Mastercard Identity network. If they have not been observed before, this will be 0.

secondaryAddressValidityLevel string

The most granular level to which the address could be validated. For example, if the address was only valid to the city level (but not to the house level), it would return valid_to_city.

Options:

missing_address - An input address was not provided
invalid - The input address is not valid
valid - The input address is valid
valid_to_country - The input address could only be validated to the country level. The country of the input address is valid, but the other elements of the input address were unable to be confirmed as valid or invalid
valid_to_city - The input address was validated to the city level. The country, state, city, and postal code of the input address are valid, but the street, house number, and subpremise of the input address were unable to be confirmed as valid or invalid
valid_to_street - The input address was validated to the street level. The country, state, city, postal code, and street of the input address are valid, but the house number and subpremise of the input address were unable to be confirmed as valid or invalid
valid_to_house_number - The input address was validated to the street and house number level. The country, state, city, postal code, street, and house number of the input address are valid, but the subpremise of the input address was unable to be confirmed as valid or invalid
valid_to_house_number_missing_apt - The input address was validated to the street and house number level. The country, state, city, postal code, street, and house number of the input address are valid, but the subpremise of the input address was missing and thus unable to be confirmed as valid or invalid

secondaryAddressFirstSeenDays integer

Days since the secondary address was first observed in the Mastercard Identity network. If the address has not been observed before, this will be 0.

secondaryAddressToName string

Whether the customer's name matches the name associated with the secondary address in the Mastercard Identity network.

identityNetworkScore number

Comprehensive network score built on behavioral insights such as velocity, popularity, volatility, and age of an attribute, with a higher score indicating a riskier transaction. A number between 0 and 1 rounded to three decimal places.

identityRiskScore integer

Comprehensive identity risk score with a higher score indicating a riskier transaction. An integer between 0 and 500.

{
  "status": 200,
  "timestamp": 1512828988826,
  "data": {
    "action": "ALLOW",
    "score": 12,
    "source": "RAVELIN",
    "customerId": "abc-123-ZYZ",
    "scoreId": "2bf39d-d1299-31",
    "transactionOptimisation": {
      "transactionId": "123-abc-XYZ",
      "action": "AUTHENTICATE",
      "exemption": "TRANSACTION_RISK_ANALYSIS",
      "threeDSChallengePreference": "NO_CHALLENGE_REQUESTED",
      "actionSource": "CLIENT_RULE",
      "rules": {
        "triggered": [
          {
            "ruleId": 1,
            "ruleVersion": 1,
            "action": "AUTHENTICATE",
            "exemption": "TRANSACTION_RISK_ANALYSIS",
            "threeDSChallengePreference": "NO_CHALLENGE_REQUESTED",
            "triggered": true,
            "state": "active"
          }
        ]
      }
    },
    "warnings": [
      {
        "class": "customer-not-found",
        "help": "https://developer.ravelin.com/api/warnings/#customer-not-found",
        "msg": "Customer \"abc-123-ZYZ\" not found."
      }
    ]
  }
}

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