Mastercard Expert Monitoring Solutions Processing {#payments-mc-ems-intro}
==========================================================================

This section shows you how to obtain the transaction fraud score assigned by Mastercard Expert Monitoring Solutions. See [Mastercard Expert Monitoring Solutions](/docs/vas/en-us/payments/developer/ctv/rest/payments/payments-intro/payments-features-intro/payments-mc-ems.md "") for a description of the transaction fraud score determined by Mastercard Expert Monitoring Solutions.

Requirement {#payments-mc-ems-intro_section_f35_1ps_5xb}
--------------------------------------------------------

Contact customer support to enable Mastercard Expert Monitoring Solutions for your account. IMPORTANT After this feature is enabled for your account, Mastercard returns a fraud score for all your card-not-present authorization requests for Mastercard payment cards issued in the US.

Endpoint {#payments-mc-ems-intro_d7e16}
---------------------------------------

**Production:** `POST ``https://api.visaacceptance.com``/pts/v2/payments`{#payments-mc-ems-intro_d7e25}  
**Test:** `POST ``https://apitest.visaacceptance.com``/pts/v2/payments`{#payments-mc-ems-intro_d7e35}

Required Fields for Processing an Authorization with Mastercard Expert Monitoring Solutions {#payments-mc-ems-required}
=======================================================================================================================

Use these required fields to process an authorization using Mastercard Expert Monitoring Solutions.

> IMPORTANT  
> When relaxed requirements for address data and the expiration date are being used, not all fields in this list are required. It is your responsibility to determine whether your account is enabled to use this feature and which fields are required. For details about relaxed requirements, see [Relaxed Requirements for Address Data and Expiration Date in a Payment](/docs/vas/en-us/payments/developer/ctv/rest/payments/payments-relax-reqs.md "").

orderInformation.amountDetails.currency
:

orderInformation.amountDetails.totalAmount
:

orderInformation.billTo.address1
:

orderInformation.billTo.administrativeArea
:

orderInformation.billTo.country
:

orderInformation.billTo.email
:

orderInformation.billTo.firstName
:

orderInformation.billTo.lastName
:

orderInformation.billTo.locality
:

orderInformation.billTo.postalCode
:

paymentInformation.card.expirationMonth
:

paymentInformation.card.expirationYear
:

paymentInformation.card.number
:

Response Field for Authorizations with Mastercard Expert Monitoring Solutions {#payments-mc-ems-response-field}
===============================================================================================================

This field can be returned in a response to an authorization using Mastercard Expert Monitoring Solutions.

processorInformation.emsTransactionRiskScore
:
Fraud score for a Mastercard transaction.

REST Example: Obtaining the Mastercard Fraud Score for an Authorization {#payments-mc-ems-ex-rest}
==================================================================================================

Request

```keyword
{
    "orderInformation": {
        "billTo": {
            "country": "US",
            "lastName": "Kim",
            "address1": "201 S. Division St.",
            "postalCode": "48104-2201",
            "locality": "Ann Arbor",
            "administrativeArea": "MI",
            "firstName": "Kyong-Jin",
            "email": "kim.test@vas.com"/>"
        },
        "amountDetails": {
            "totalAmount": "100.00",
            "currency": "usd"
        }
    },
    "paymentInformation": {
        "card": {
            "number": "555555555555xxxx",
            "expirationYear": "2031",
            "expirationMonth": "12",
            "type": "002"
        }
    }
}
```

Response to a Successful Request  
The processorInformation.emsTransactionRiskScore response field contains the fraud score returned by Mastercard Expert Monitoring Solutions. In this example, the fraud score indicates a high likelihood (field value `843`) of suspicious service station activity (field value `09`).

```
{
  "_links" : {
    "authReversal" : {
      "method" : "POST",
      "href" : "/pts/v2/payments/6461731521426399003473/reversals"
    },
    "self" : {
      "method" : "GET",
      "href" : "/pts/v2/payments/6461731521426399003473"
    },
    "capture" : {
      "method" : "POST",
      "href" : "/pts/v2/payments/6461731521426399003473/captures"
    }
  },
  "clientReferenceInformation" : {
    "code" : "1646173152047"
  },
  "id" : "6461731521426399003473",
  "orderInformation" : {
    "amountDetails" : {
      "authorizedAmount" : "100.00",
      "currency" : "usd"
    }
  },
  "paymentAccountInformation" : {
    "card" : {
      "type" : "002"
    }
  },
  "paymentInformation" : {
    "tokenizedCard" : {
      "type" : "002"
    },
    "card" : {
      "type" : "002"
    }
  },
 "paymentInsightsInformation" : {
    "responseInsights" : {
      "categoryCode" : "01"
    }
  },
  "processorInformation" : {
    "emsTransactionRiskScore": "84309",
    "systemTraceAuditNumber" : "862481",
    "approvalCode" : "831000",
    "merchantAdvice" : {
      "code" : "01",
      "codeRaw" : "M001"
    },
    "responseDetails" : "ABC",
    "networkTransactionId" : "016153570198200",
    "consumerAuthenticationResponse" : {
      "code" : "2",
      "codeRaw" : "2"
    },
    "transactionId" : "016153570198200",
    "responseCode" : "00",
    "avs" : {
      "code" : "Y",
      "codeRaw" : "Y"
    }
  },
  "reconciliationId" : "6461731521426399003473",
  "status" : "AUTHORIZED",
  "submitTimeUtc" : "2023-06-09T22:19:12Z"
}
```