> ## Documentation Index
> Fetch the complete documentation index at: https://test-docs.upayments.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Fraud Analytics

> Risk scoring, pattern detection, and fraud indicators

# Fraud Analytics

<Note>Requires Growth tier or above</Note>

The Fraud page identifies suspicious patterns in your transaction data.

## Metrics

* **Fraud-Related Declines** — Transactions declined for fraud reasons (stolen card, security violation)
* **Fraud Rate** — Fraud declines / total transactions
* **Avg Fraud Amount** — Average amount of fraud-related declines
* **Unique Cards Flagged** — Number of distinct cards with fraud declines

## Fraud by Decline Reason

Breakdown of fraud-specific decline reasons with counts and amounts. Common fraud reasons:

* Stolen card / pick up card
* Security violation
* Suspected fraud
* CVV mismatch (potential card testing)

## Card Brand Fraud Rates

Fraud decline rates by card network. Helps identify if a specific processor or card brand has elevated risk.

## High-Value Declines

The largest declined transactions by amount. High-value declines deserve attention — they may be legitimate customers hitting card limits, or they may be fraud attempts testing large amounts.

## What This Page Does NOT Do

This page analyzes historical decline data. It does not:

* Block transactions in real-time (that's your NMI gateway's job)
* File fraud reports with card networks
* Provide chargeback management (see Disputes page)

Think of it as a **diagnostic tool** — it shows you where fraud is happening so you can adjust your gateway rules or follow up with customers.