Fraud score lookup is the process of using an algorithm to determine a risk level for a specific user. It works by examining a variety of data points, such as billing and shipping matches, IP address, device, and more. Each one is given a certain weight and then a total fraud score is calculated. It is then possible to take action based on this score, which may include denying the transaction or routing it for review.

Fraud scores use a set of rules to determine how high or low a person’s risk is. Each rule is fed with the information submitted by the user, or gathered by the system (such as the IP address). A risk score is then calculated and the reasoning behind it becomes clear (if you choose a whitebox solution).

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These rules are specific to a particular industry – for example, bonus abuse and multi accounting in iGaming, or OTP interception for banking account takeovers. You can use your own custom rules or make use of our extensive list of pre-built rules for the most common industries.

Many services also offer an IP blacklist checker, which will reveal details like the country, location, provider, proxy status, etc. For a more in-depth evaluation, you should use multiple fraud checkers to cross-reference results. This will help you ensure that no information is being hidden. This is particularly important for a fraud prevention tool as it can result in false positives or rejection of legitimate orders.