Manage fraud with xenShield

xenShield is Xendit's fraud prevention system that works to help minimize fraudulent payments while maximizing your acceptance rate. Think of it as a security guard that carefully checks every payment coming through your business, helping to identify and reduce suspicious transactions.

How to find and use xenShield in your Xendit account

xenShield's features are organized into two 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 block lists

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

1. Go to the List tab in Fraud Prevention

2. You'll see the Block List section

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 your block list:

1. Click on the list you want to change.

2. Add the details you want to 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 attempts to block it

• You'll see a red label in the transaction

• You'll need to review it and can 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 block lists up to date:

   1. Add any problematic sources to your block lists.

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

Note

xenShield helps you achieve the right balance between security and customer experience - minimizing fraud risk while maximizing legitimate transactions go through smoothly. Combined with your business insights and regular monitoring, it forms a powerful defense against fraudulent activity while maintaining high acceptance rates.