Silent Pending

The activity that comes after a transaction can reveal a lot about its risk. Silent Pending allows Vesta to analyze that activity in our transaction decisions without causing friction to good purchasers and without making fraudsters aware that we can see them.

When a transaction meets certain high-risk criteria, we tell you that the transaction is Silent Pending and you give messaging to your purchasers that implies success, something like "Thanks for your order!" Fulfillment is held for an agreed upon period while you listen for the final decision on a URL.

When the activity after the order looks safe, we let you know with an "Approved" response push-update to the URL. You then fulfill the order and the good customer has experienced no friction at all. When the activity after the order reveals that it was placed by a fraudster, the push-update tells you the transaction is "Declined". Order fulfillment can be cancelled and you don’t have to ship your product to the bad guys. In the end, the good guys are happy, and the bad guys get frustrated and go away.

The following flow illustrates the processes within the Silent Pending method:

Integration to Silent Pending is simple. All you must do is:

• Tell us you want it and how long you can hold fulfillment.
• Ensure you are set up to delay fulfillment and deliver the right messaging when a transaction is pended by this method.
  • When this happens, the response to your API Call will include the following:

    PaymentStatus = 2

    PendResolutionMethods = 21,
{"DelayWindowInMinutes":"15"}

  • Design your messaging so that customers won’t tell the difference between an approved order and one that is silent pending. Something like "Thank you for your order" could do the trick.
• You can enter your URL to which we should send the final decision in the Portal Account Info option. Of course, we need the login credentials, too.
  • The parameters passed to this URL will include:

    {PendResolutionMethod=21, // 21 indicates Silent Pending

    RiskProbabilityIndex=2, // A value 1-5

    IsPaymentGuaranteeable=0, // Boolean 0 or 1

    PaymentID= 1U3BWY, // This order's PaymentID

    PaymentStatus=10, // A code, indicating the decision

    TransactionID=123 // This order's TransactionID

    AccountName=youraccount,

    Password=yourpassword}

    Depending on your product, your final decision may be indicated by either IsPaymentGuaranteeable or PaymentStatus.

  • Fulfillment should be delayed until you get this final decision.