Simulator

Decline Lab

Act as an issuer. Tune four rules, run 20 transactions, and watch the trade-off between approvals and fraud loss.

Rules

Foreign transaction threshold$500

Amount ceiling$2,000

Velocity limit (per hour)6

Fraud score cutoff60

Seed: 42

Approval rate

70%

Fraud caught

2 missed

False declines

Fraud loss

$232

Balance score

Revenue kept $5644Fraud lost $232

Score = revenue kept minus fraud lost, as a share of achievable revenue. Approve good transactions to earn; let fraud through to lose.

✓ fraud caught✗ fraud missed red chips = rules tripped no chip = legitimate

#AmountAttributesScoreVerdictReason

01$95.00FuelDomesticchipv=1572DECLINEVelocityFraudFRAUD ✓

02$15.59Digital goodsForeign · UAEecomv=412APPROVE—

03$189.00RestaurantDomesticcontactlessv=458APPROVE—FRAUD ✗

04$17.88HotelForeign · Indiamail_orderv=629APPROVE—

05$1092.31GroceryDomesticecomv=519APPROVE—

06$42.50Digital goodsDomesticecomv=238APPROVE—FRAUD ✗

07$649.00ElectronicsForeign · United Statesecomv=778DECLINEForeignVelocityFraudFRAUD ✓

08$672.99ElectronicsForeign · United Statesecomv=722DECLINEForeignVelocity

09$2410.00ElectronicsForeign · Nigeriaecomv=588DECLINEAmountForeignFraudFRAUD ✓

10$56.91RestaurantDomesticecomv=025APPROVE—

11$1031.97Digital goodsForeign · Indiachipv=33DECLINEForeign

12$6.35FuelForeign · Indiaecomv=147APPROVE—

13$1698.99HotelDomesticchipv=046APPROVE—

14$986.46AirlineForeign · United Statesmail_orderv=541DECLINEForeign

15$616.66GroceryDomesticecomv=310APPROVE—

16$1776.18GamblingDomesticmail_orderv=624APPROVE—

17$24.84HotelDomesticecomv=31APPROVE—

18$8.69GroceryDomesticcontactlessv=629APPROVE—

19$288.14GamblingDomesticchipv=549APPROVE—

20$41.25RestaurantDomesticchipv=013APPROVE—