Fraud Protection Lite
Fraud Protection Lite (FPL) is a self-service, machine learning–based fraud solution designed for small to mid-sized merchants. Like Fraud Protection Advanced (FPA), it evaluates each transaction using a machine learning model to generate a risk score and applies a customizable set of filters to approve or reject transactions based on risk. FPL provides a streamlined set of essential fraud management tools, offering a subset of FPA's advanced features, while prioritizing ease of use and cost efficiency. It includes ready-to-use filter configurations to enable fast and seamless merchant self-onboarding.
How is FPL designed for mid-market merchants?
Fraud Protection Lite (FPL) is purpose-built for mid-market businesses, offering a simplified and cost-effective approach to fraud management. It combines essential protection, ease of activation, and scalability to support merchants at every stage of growth.
- Streamlined Protection
FPL provides essential fraud protection features at a lower cost, making advanced fraud prevention accessible and affordable for mid-size businesses. It delivers core risk controls without the complexity or the overhead of a fully customized enterprise solution. - Instant Self-Enablement
Merchants can immediately accept pricing and activate FPL directly from the BT control panel, without engaging Sales (subject to eligibility). This accelerates the time to protection and enables merchants to respond quickly to emerging fraud risks. - Effortless Setup
Default filters are pre-activated at login, allowing merchants to quickly review and enable protection without requiring fraud expertise. This streamlined onboarding experience minimizes setup time and reduces operational effort. - Built to Grow with Merchants
Merchants can seamlessly upgrade to FPA as their business scales, while maintaining their protection history. This way ensures continuity in fraud strategy while supporting evolving business needs and transaction volumes.
Feature Comparison: Fraud Protection (FP) vs Fraud Protection Lite (FPL) vs Fraud Protection Advanced (FPA)
| Capability | Fraud Protection | Fraud Protection Lite | Fraud Protection Advanced |
|---|---|---|---|
| New integration | No | No | No |
| Machine learning based risk score | Yes | Yes | Yes |
| Auto decisioning | Yes | Yes | Yes |
| Extensive PayPal Intelligence | Yes | Yes | Yes |
| Device Fingerprinting | Yes | Yes | Yes |
| Analytical Dashboard | Yes | Yes | Yes |
| Blocklists | Limited | Limited | Yes |
| Fraud Rules (Filters) | Default | Customizable | Customizable |
| Filter testing / historical simulation | Yes | Yes | Yes |
| In-App Notifications | Yes | Yes | Yes |
| Help | Yes | Yes | Yes |
| Integration Health Dashboard | -- | Yes | Yes |
| Filter Portability | -- | Yes | Yes |
| Transaction History | -- | Yes | Yes |
| Transaction Search | -- | Yes | Yes |
| Transaction Single Case View | -- | Yes | Yes |
| Activity Log | -- | Yes | Yes |
| Allow List | -- | -- | Yes |
| Review list | -- | -- | Yes |
| Manual Review Flow | -- | -- | Yes |
| Case Management | -- | -- | Yes |
| A/B Testing | -- | -- | Yes |
| Standard Reports | -- | -- | Yes |
| Custom Reports - Aggregate | -- | -- | Yes |
| Custom Reports - Transaction | -- | -- | Yes |
| Scheduled Reports | -- | -- | Yes |
| Custom Fields | -- | -- | Yes |
Features
The Fraud Protection suite of products is an integrated risk management tool designed by PayPal to help merchants make more accurate, real-time decisions about card transactions, reduce false-positive rejections, and minimize chargebacks. Fraud Protection Lite provides additional features and capabilities such as:
- Machine Learning powered transaction Risk Score
- Blocklists
- Transaction details and insights
- Historical transaction simulations
- Analytical and Integration Health Dashboards
- Activity Log
Filter Recommendation
Filters are a set of Risk rules that detect fraud, and FPL provides several filters that can be used to build conditional filters. When you log in for the first time, you get a pre-assigned set of filters customized for your business needs under the Filters tab. You must review and activate (Toggle it to ON) those recommended filters to kick-start your fraud protection journey. As per your business requirements, you can also create a filter. You can also view a simulation summary to assess the impact of changing (adding, deleting, or modifying) a filter.
Risk Decisions
When you create a new transaction, the information is sent to PayPal’s internal fraud management service. Fraud Protection Lite will automatically analyze transaction information using adaptive rules and fraud filters to determine risk. Based on the risk decision, the Braintree gateway will accept or reject each request. Fraud Protection Risk Decision Braintree Response
| Fraud Protection Risk Decision | Braintree Response |
|---|---|
| Approve | Always sent to processor |
| Reject | Always gateway rejected |
| Not Evaluated | Sent to the processor by default |
- The time taken to deliver a risk decision exceeds our internal threshold, and the transaction times out
- An error occurs during the evaluation process