# Reduce Fraud
source: https://developer.mastercard.com/mastercard-gateway/documentation/use-cases/reduce-fraud/index.md

## Add fraud signals to payments {#add-fraud-signals-to-payments}

Reduce fraud and chargebacks by embedding rich fraud signals directly into a payment request. The Mastercard Gateway and connected risk services can use this information to evaluate the transaction and determine whether to allow the payment, require additional authentication, or deny the transaction before funds are captured.

This approach can help improve fraud detection, support regulatory requirements, and reduce friction for low-risk transactions.

### Prerequisites {#prerequisites}

* The customer is ready to complete the checkout.
* Fraud and risk services are enabled.
* EMV 3-D Secure capability is configured.
* Risk data have been collected, such as device information, basket details, and behavioral indicators.

### Sequence diagram {#sequence-diagram}

Diagram add-fraud-signals-to-payment

### Workflow {#workflow}

1. The customer starts the checkout process.
2. The merchant UI submits the order details and risk data to the merchant server.
3. The merchant server submits a payment request containing fraud signals to the Mastercard Gateway.
4. The Mastercard Gateway sends the transaction data to the risk service for evaluation.
5. The risk service returns a decision indicating whether the transaction should be allowed, authenticated, or denied.
6. If the transaction requires EMV 3-D Secure authentication, the merchant server submits a payer authentication request to the Mastercard Gateway.
7. The Mastercard Gateway initiates the EMV 3-D Secure authentication process.
8. The EMV 3-D Secure service returns the authentication result to the Mastercard Gateway.
9. If the transaction is allowed, the Mastercard Gateway submits the payment for processing through the acquirer.
10. The acquirer returns the payment result to the Mastercard Gateway.
11. The Mastercard Gateway returns the approval or decline result to the merchant server.
12. If the transaction is denied by the risk service, the Mastercard Gateway returns the risk decline result to the merchant server.

### Endpoint {#endpoint}

|      API       | Format | HTTP Method |                                                                                        Operation                                                                                        |
|----------------|--------|-------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Transaction    | NVP    | POST        | [Pay](https://mtf.gateway.mastercard.com/api/documentation/apiDocumentation/nvp/version/100/operation/Transaction:%20%20Pay.html?locale=en_US)                                          |
|                | REST   | PUT         | [Pay](https://mtf.gateway.mastercard.com/api/documentation/apiDocumentation/rest-json/version/100/operation/Transaction%3a%20%20Pay.html?locale=en_US)                                  |
|                | NVP    | POST        | [Authorize](https://mtf.gateway.mastercard.com/api/documentation/apiDocumentation/nvp/version/100/operation/Transaction%3a%20%20Authorize.html?locale=en_US)                            |
|                | REST   | PUT         | [Authorize](https://mtf.gateway.mastercard.com/api/documentation/apiDocumentation/rest-json/version/100/operation/Transaction:%20%20Authorize.html?locale=en_US)                        |
| Authentication | NVP    | POST        | [Authenticate Payer](https://mtf.gateway.mastercard.com/api/documentation/apiDocumentation/nvp/version/100/operation/Authentication:%20%20Authenticate%20Payer.html?locale=en_US)       |
|                | REST   | PUT         | [Authenticate Payer](https://mtf.gateway.mastercard.com/api/documentation/apiDocumentation/rest-json/version/100/operation/Authentication:%20%20Authenticate%20Payer.html?locale=en_US) |

* authentication.3ds2
* [Risk SDK](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/js-libraries/risk/index.md)

### Error resolution {#error-resolution}

For details on error resolution, explore our [Code and Formats](https://developer.mastercard.com/mastercard-gateway/documentation/code-and-formats/index.md) section.