Implementing Fraud Protection in Maya Checkout

Overview

Maya Checkout provides a Fraud Protection feature that helps reduce risks from fraudulent transactions. When enabled, this feature uses customer information to perform fraud checks during the checkout process.

This guide explains:

How Fraud Protection works in Maya Checkout
What data you must provide
How to implement Fraud Protection in your integration

Enabling Fraud Protection in Maya Checkout

Contact your assigned Maya Relationship Manager to enable Fraud Protection in your Maya Checkout.
Once approved, you must include the required customer details in all checkout requests.

Implementing Fraud Protection

When Fraud Protection is enabled, your system must include customer details by populating the buyer object when creating a checkout. This information is used to validate transactions.

Refer to the KOUNT BUYER specifications in the API documentation for full details.

Buyer Object Schema

Field	Type	Required?	Description
`buyer.firstName`	string	Required	First name of the payer/buyer
`buyer.lastName`	string	Required	Last name of the payer/buyer
`buyer.contact.email`	object	Required	Contact details like phone and/or email address.
`buyer.contact.email`	string	Required	Contact email address
`buyer.billingAddress`	object	Conditional	Required if billing details are collected
`buyer.billingAddress.countryCode`	string	Required (if `buyer.billingAddress` is set)	Two-letter ISO 3166-2 country code
`buyer.shippingAddress`	object	Conditional	Required if shipping details are collected
`buyer.shippingAddress.countryCode`	string	Required (if `buyer.shippingAddress` is set)	Two-letter ISO 3166-2 country code

Sample Code:

"buyer": {
  "firstName": "Juan",
  "lastName": "Dela Cruz",
  "contact": {
    "email": "[email protected]"
  },
  "billingAddress": {
    "countryCode": "PH"
  },
  "shippingAddress": {
    "countryCode": "PH"
  }
}

Key Considerations

Always send complete and accurate buyer details. Missing or invalid data will reject the create checkout request.
If you provide billingAddress or shippingAddress, you must include countryCode.
Fraud Protection works automatically once enabled; no additional API calls are needed beyond sending the correct buyer object.

FAQs

Q: Is Fraud Protection enabled by default in Maya Checkout?

A: No. You must request activation from your Maya Relationship Manager.

Q: Does Fraud Protection reject transactions automatically?

A: Fraud checks may result in declined payments depending on Maya’s fraud rules and the issuing bank’s assessment.

Q: Do I need to change my existing payment capture flow?

A: No. Fraud Protection works alongside your standard Maya Checkout integration. Just make sure to send the required buyer information.

Q: What happens if Fraud Protection is enabled for an existing integration?

A: Any checkouts created without the required buyer fields may fail fraud checks or be declined. To avoid issues, update your integration to always send complete buyer details once the feature is active.

Next Steps

Confirm Fraud Protection activation with your Maya Relationship Manager
Update your checkout integration to populate the buyer object with complete details
Test your integration in the Sandbox before moving to Production
Monitor your fraud-related declines and adjust customer detail collection if necessary