Payment Fraud Detection Simulator

Executes sub-50ms pre-authorization transaction risk scoring using behavioral velocity checks, device fingerprint entropy, and dynamic 3-D Secure 2.2 step-up logic.

Risk Scoring & 3DS Decision Rules

Frictionless Exemption (Score < 30): Applies Strong Customer Authentication (SCA) exemptions under PSD2 (Transaction Risk Analysis - TRA or Low-Value Exemption).

Dynamic Challenge (Score 31-80): Triggers biometric/SMS challenge to shift chargeback liability to the issuing bank.

Hard Block (Score > 80): Rejects fraudulent attempts before authorization to prevent card-testing attacks and scheme fines.

Canonical Resource: https://nornhill.com/tools/fraud-detection-simulator | Machine Manifest: https://nornhill.com/llms.txt