Fraud Management {#opencart-fraud-screening}
============================================

The plugin provides fraud management functionality for merchants who also use the `Business Center`. You can apply fraud management functionality to transactions when:

* Fraud management is enabled in the plugin.

* You have a fraud management profile in the `Business Center`.  
  Fraud screening includes these features:

* **Fraud Management Essentials (FME):** used to enforce the rules created by `Visa Acceptance Solutions` Machine Learning System (MLS). Fraud management is used to define the merchant's rules.


* **Fraud Management Rules:**
  * When the decision status from the `Business Center` is AUTHORIZED_PENDING_REVIEW or PENDING_REVIEW, the order is in review and the order status is set to *Payment pending for review*.
  * When the decision status from the `Business Center` is AUTHORIZED_RISK_DECLINED, the order is rejected and the order status is set to *Order cancelled by merchant*.

The table below describes the possible decisions, outcomes, and timing Decision Manager uses when an order is triggered for review.

> IMPORTANT
> When these transactions are in a Decision Manager review state, certain settlement considerations apply:
>
> * **For authorizations:** while accepting this transaction it is not recommended to settle it in the ` Business Center `. When the transaction is settled in the ` Business Center `, the follow-on services initiated from OpenCart Back Office are impacted.
> * **For sales:**
>   * The entire authorized amount should be settled in the ` Business Center ` when accepting the transaction. When the settlement is not performed in the ` Business Center `, the follow-on services initiated from OpenCart Back Office fail.
>   * A follow-on void capture does not trigger from OpenCart Back Office. While accepting review transactions, merchants should not select the settle option.

| Decision | Execution Timing     | Outcome of Decision                                                                                                                                                             |
|:---------|:---------------------|:--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Monitor  | Before authorization | Authorization will be successful and no action from the Decision Manager is required. Use this decision to understand the outcome of a rule.                                    |
| Accept   | Before authorization | The order is processed normally and is placed successfully.                                                                                                                     |
| Review   | Before authorization | The authorization is successful, and follow-on services are put on hold until the merchant accepts or rejects it. The order status will be set to *Payment pending for review*. |
| Reject   | Before authorization | The order is rejected and the authorization is not processed. The merchant is not able to view the order in OpenCart Back Office.                                               |
| Monitor  | After authorization  | The authorization is successful and no action from Decision Manager is required. Use this decision to understand the outcome of a rule.                                         |
| Accept   | After authorization  | The order is processed normally and placed successfully.                                                                                                                        |
| Review   | After authorization  | The authorization is successful, and follow-on services are put on hold until the merchant accepts or rejects it. The order status is set to *Payment pending for review*.      |
| Reject   | After authorization  | The original authorization is successful and then is automatically reversed and the order status is set to *Order cancelled by merchant*.                                       |
[Decision Manager Decisions, Execution Timings, and Outcomes for Orders]