Unionpay Internatial Risk Management System (RMS) provides API for fraud transaction queries. Members with fraud transaction query demands can choose to inquire the fraudulent transactions via API service. In addition, UnionPay also provide portal for members to search for fraudulent transactions. UPI members without user account of our portal can send email to apply
At present, UnionPay provides a risk management system to Acquirers which can inquire the fraudulent transaction data that occurs in its merchant or terminal through the Fraud Reporting Management System (FRMS) and use these fraud data for internal analysis.
For members who has habits of using API services, it is highly recommended to use this fraudulent transaction inquiry function.
High efficiency in inquires;
Acquiers can store and use the fraudulent transactions for internal risk analysis .
Acquirers can use fraud transaction inquiry API to acknowledge the reported fraudulent transactions in timely manner, so as to analyse the fraud risk situation based on the reported fraudulent transactions, then take proper measures to merchants with high fraud rate and take the acquirers’ fraud risk under control.
1. Acquirer sends fraud transaction inquiry request to UPI;
2. UPI responds with detailed infomation.
|Field name||Identifier||Type||Length||Request||Default value||Note|
|Acquirer ID||acquirerID||AN||1-11||O:Optional||“00030344”||The Identification Code of the inquired Acquiring Institution.Note：The Acquirer ID shall be the subsidiary of APPID or APPID itself defined in the HTTP header.|
|Fraud Transaction Reporting Date||fraudTxnReportDate||N||8||M:Mandatory||“20200601”||The reporting date of the fraud transaction.|
|Filed name||Identifier||Type||Length||Request||Default value||Note|
|Fraud Transaction List||fraudTxnList||Array||M:Mandatory|
UnionPay International has adopted unified security requirement, please refer to
If you are UPI Acquirer member, please contact operation team by submitting orders in Support Center.