πŸ“ Bolt Help / Add-Ons / Bolt's Fraud Protection / The Fraud Review Process

The Fraud Review Process

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

  1. The shopper pays
  2. The order is checked by our fraud engine
  3. The order is analyzed by Bolt’s Fraud Team

1. Shopper Pays

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

  • If authorization succeeds: the customer is sent to the order confirmation page and receives an order confirmation email. The order will appear in the Bolt Merchant Dashboard with a status of In Review.
  • If the authorization fails: the customer is notified in checkout that their payment authorization did not succeed. The order appears in the Bolt Merchant Dashboard with a status of Failed.

Checkout totals that reach zero ($0.00) when a discount code or gift card is applied bypass Bolt’s fraud review analysis and are automatically approved.

2. Order is Processed by Fraud Engine

The order is processed (post-authorization) by Bolt’s automated fraud review engine. Most orders are automatically approved.

  • If approved: the status in the Bolt Merchant Dashboard changes to Authorized for delayed capture or Completed for immediate capture.
  • If flagged: the order is sent to our risk team for manual review.

3. Risk Team Manually Reviews

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

  • Approve: the status in the Bolt Merchant Dashboard changes to Authorized for delayed capture, or Completed for immediate capture.
  • Reject: the status in the Bolt Merchant Dashboard changes to Recently Rejected and is updated to Irreversibly Rejected when the Rejection Override Window expires.
  • Micro-authorize: the status in the Bolt Merchant Dashboard changes to Recently Rejected. However, if the micro-authorization succeeds, the status is reversed and displays as an approved order.

Review Turnaround Time

Over 97% of orders are approved automatically by our fraud decision engine. All other orders are reviewed within 1 business hour (Mon-Fri, 9am-8pm EST). You should not fulfill orders before they are approved.

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