What is Protect Plus?


Protect Plus is a sophisticated counter-fraud service that provides your site with an extra layer of security against fraudulent transactions. It makes use of the industry’s largest negative database to perform a comprehensive suite of fraud assessments, including identity checks against the UK electoral roll and BT databases.



Process overview

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Sign up for Protect Plus
Before you can get started, you will need to contact our Sales Team and enable Protect Plus on your account.


What checks are performed?

We analyse the customer’s billing, delivery and payment details using a rule-based system to detect suspicious patterns in user activity. Our system will assist you in deciding on whether to process a customer’s transaction based on the perceived level of risk. Checks performed include:


Protect Plus does not guarantee against fraud
You should consider all data regarding a transaction before accepting the payment.


What happens after the checks are performed?

The Protect Plus system will analyse transaction details and issue one of the following fraudcontrolshieldstatuscode values:

“ACCEPT” The details are not deemed suspicious.
“CHALLENGE” Further investigation is recommended.
“DENY” The details are suspicious and a transaction should not be performed.
“NOSCORE” Transaction was declined by the acquirer before checks were performed.


Order of requests

Protect Plus checks are performed when you update your payment form to submit a RISKDEC request as part of the transaction. There are two methods to do this:




To enable Protect Plus, please refer to the relevant documentation for your solution: