📍 Bolt Help / Add-On Products / Fraud Protection Services / The Fraud Review Process
The Fraud Review Process
Learn about Bolt's fraud review process, our scoring methodology, and how to handle rejected orders. This information applies to merchants who use Fraud Protection.

For merchants who use Fraud Protection, every order that passes through Bolt Checkout undergoes Bolt’s Fraud Review process:

  1. The payment undergoes standard authorization.
  2. Bolt’s fraud decision engine reviews the order.
  3. If flagged for manual review, the order is analyzed by Bolt’s Risk Ops team.

Review Turnaround Time

Over 97% of orders are approved automatically by our fraud decision engine. When flagged for manual review, orders are reviewed within 1 business hour (9am-8pm EST, 7 days a week). You should not fulfill orders before they are approved.

INFO

Bolt initiates and completes investigations into fraud alerts within 7 days.

Step 1: Payment Authorization

Bolt sends the charge to the card’s issuing bank for authorization.

Result Shopper experience Order status
Success Sent to order confirmation page In Review
Failure Notified that payment failed authorization Failed

NOTE

If an order total reaches $0.00 when a discount code or gift card is applied, the order bypasses Bolt’s fraud review engine and is automatically approved.

Step 2: Fraud Engine Review

The order is processed by Bolt’s automated fraud review engine. Most orders are automatically approved.

Decision Next step Order status
Approved Capture
  • Manual capture: Authorized
  • Auto capture: Completed
Flagged Sent to Risk Ops team for manual review. In Review
Rejected See available actions for recently rejected orders Recently Rejected

Step 3: Risk Team Manual Review

During the manual review, the risk team can make one of the following decisions:

Decision Next step Order status
Approved Capture
  • Manual capture: Authorized
  • Auto capture: Completed
Rejected See available actions for recently rejected orders Recently Rejected

Available Actions for Recently Rejected Orders

You may take the following actions on recently rejected transactions:

Action Description Order status
Permanently reject Manually confirm Bolt’s rejection of this order, or wait the duration of the rejection override window. Permanently Rejected.
Request re-review If you believe Bolt has incorrectly rejected this order, you may submit the order for re-review along with evidence that supports your claim. In Review
Force approve (not recommended) If you are certain that Bolt has incorrectly rejected this order, you may override our rejection. This action waives your indemnification on this transaction.
  • Manual capture: Authorized
  • Auto capture: Completed
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