Fraud Monitor - Configuring Geofencing

The Geofencing feature of Fraud Monitor (introduced in version 1.1), adds the ability for store owners to flag payments that are outside of a 'fenced' area, based off geolocation data. By using the Google GeoCode API, we can determine an accurate location of the billing information, and couple it with the IP Address location, to identify when a purchase might be invalid. Store owners can 'fence' payments by country or by distance.

For example, this can be used to detect if a purchase is made from a country other than the country associated with the billing address and then flag the purchase as potentially fraud.

Enabling Geofencing

The GeoFence feature is located in the 'Country' section of the Fraud Monitor configuration.

Downloads > Tools > Fraud Monitor > Country

Obtaining GeoCode API Keys

In order to obtain accurate location information, Fraud Monitor uses the Google GeoCode API. In order to use this service, you need to setup an API Key.

1) Visit  https://developers.google.com/maps/documentation/geocoding/start

2) Click the 'Get a Key' button

3) Setup an API Key

If you have existing API Keys with Google, you need to select '+Create a new project' and then choose a name for your project:

If you do not have existing API Keys, you'll be presented to create one now:

In both cases, once you add a project name, click 'Create and Enable API'

4) Get your API Key for use with Fraud Monitor:

5) Add your GeoCode API Key to the Fraud Monitor settings:

Configuring a GeoFence Type

To allow for store owners to customize their settings to what suits their needs, Fraud Monitor allows you to configure your fence to be by "Country" or by "Distance".

By Country

When you choose the 'country' setting, Fraud Monitor will compare the country supplied at checkout for the billing information, and the country the IP address is registered to. If these two do not match, the payment will be flagged as fraud, for review.

By Distance

The 'distance' setting uses the billing address and IP address to approximate a distance based off the GeoLocation data to determine if the purchase was made from within the 'fence'. It can be configured to use either miles or kilometers.

At the time of writing, the Google GeoCode API allows 2,500 requests per day for free. Once you reach this limit, Fraud Monitor will stop checking the API and bypass the Geofence feature. For more information on increasing that limit, you can see the Usage Limits section of the Google documentation.