How do I create Liability Shift Risk Rules?

To create custom rules using the Liability Shift conditions, navigate to your risk profile via Risk > Risk Profiles, then click on ‘Create new rule’.

You then have the option to create a Pre-authorization or Post-authorization risk rule. Select Post-authorization as the Liability Shift response can only be received after the issuer has authorized the transaction. 

Next, pick a rule name, i.e. 'Liability_Shift_Rule'. In this example, we select a Block action and label the rule as Fraud. You can also create Accept or Review rules based on your risk mitigation needs.

There are four different liability shift conditions available in the rule builder:

• liability Shift : checks if a liability shift took place for all transactions.
• liabilityShiftFor3DSTransactions: checks if a liability shift took place. This includes transactions where a technical error prevented the shopper from completing the 3D Secure flow.
• liabilityShiftForDSTransactionsWithoutTechnicalErrors: checks if liability shift took place. Excludes transactions where a technical error prevented the shopper from completing the 3D Secure flow.
• liabilityShiftForAllEcommerceTransactions : checks if liability shift took place for all ecommerce transactions. Only select this field if all transactions on your merchant account are processed with 3D Secure.

Configure the rule with a false response after selecting one of the liability shift conditions. If a transaction hasn’t been authorized with liability shift, the risk engine will cancel it post-authorization. 

Click on ‘Create new rule’ to enable it on your risk profile.