Early fraud warnings

An early fraud warning appears when payment risk information indicates that a payment may be fraudulent.

Treat an early fraud warning as a risk signal that needs review. It can appear before a dispute, but it is not a confirmed dispute, chargeback, or refund instruction.

An early fraud warning does not automatically:

• Cancel the payment
• Refund the payment
• Cancel an order
• Stop a receipt from being created
• Confirm that goods should or should not be released

Early fraud warnings can appear in several areas of the app.

The dashboard can show a notice telling you that there is one payment, or more than one payment, with an early fraud warning.

Payments with early fraud warnings are also shown in the Early Fraud Warnings tab in the Payments area.

On payment detail, the app can show the Early fraud warning notice and the Early fraud warning status.

If Early fraud warning notifications are enabled, selecting the notification opens the relevant payment detail where possible. If the app cannot open a specific payment, it opens the Early Fraud Warnings tab.

To view payments with early fraud warnings:

1. Navigate to Payments
2. Select the Early Fraud Warnings tab
3. Select a payment to view the payment detail
4. Review the Early fraud warning notice and payment information

The Early Fraud Warnings tab is filtered to payments that currently need review because of an early fraud warning.

On payment detail, the Early fraud warning notice explains that the card issuer has warned that the payment may be fraudulent and that the payment should be reviewed before goods are released.

Where available, the warning detail can include:

• Fraud type
• Created
• "This warning is still actionable."
• "This warning is no longer actionable."

Use the payment detail to review the payment amount, currency, payment status, refund status, dispute status, customer information, and available warning information.

If the warning detail is missing or the payment status is unclear, refresh the payment detail before taking further action.

If the app shows "This warning is still actionable.", the warning still needs review before goods are released or delivery continues.

If the app shows "This warning is no longer actionable.", the warning no longer needs the same action. The payment should still be reviewed using the latest payment, refund, and dispute status shown in the app.

If a later dispute is shown for the same payment, review the dispute status and payment status before taking further action.

The Early fraud warning notification helps users review flagged payments when a warning is created.

When the notification is selected, the app opens the payment detail if the notification can be matched to a payment. If the payment cannot be opened directly, the app opens the Early Fraud Warnings tab.

If a notification and the app show different information, refresh the payment detail and use the latest status shown in the app.

Before releasing goods or arranging delivery for a payment with an early fraud warning:

1. View the payment detail
2. Review the Early fraud warning notice
3. Check whether the warning is still actionable
4. Check the payment, refund, and dispute status
5. Review the available customer and order information
6. Follow the business's normal order review process

If the warning is still actionable and the payment cannot be verified, do not release goods until the payment has been reviewed.

If the correct action is unclear, contact ShopWired Pay support. Include the payment reference, warning status, payment status, and any message shown in the app.

If the dashboard shows an early fraud warning notice but the Early Fraud Warnings tab does not show the expected payment:

1. Refresh the dashboard
2. Refresh the Early Fraud Warnings tab
3. Check whether the payment appears in the main Payments list
4. View the payment detail if the payment can be found

If the warning still cannot be found, contact ShopWired Pay support. Include the dashboard notice, the payment details if known, and the time the notice was shown.

An early fraud warning can relate to a payment that later becomes disputed or refunded.

Review the latest payment status before taking action. A later dispute, refund, or failed payment status can change what action is needed.

If the payment status is unclear, refresh the payment detail and wait for the app to show the latest status.

Do not release goods, repeat the payment, or refund the payment until the current payment status and warning status are clear.