---
title: "Creating a Fraud Rule"
source_url: https://docs.rapyd.net/en/creating-a-fraud-rule.html
lang: en
---

# Creating a Fraud Rule

Rules determine which transactions are allowed, blocked or held for review.

You must have **Owner** or **Administrator** privileges to create a rule.

## Types of Fraud Rules

You can create three different types of rules:

1. **Allow** - This type of rule takes precedence over block rules or review rules. Each transaction is allowed if it meets the criteria defined in this type of rule.
2. **Block** - A transaction will be blocked if it matches the requirements defined in this type of rule (and does not match any of the **Allow** rules).
3. **Trigger 3DS** - The user will be challenged to complete a "3D Secure" (e.g. Verified by Visa / Mastercard Securecode) transaction.
4. **Review** - A transaction will be sent to the "Under Review" section if it matches the conditions defined in this type of rule (and does not match any of the **Allow** or **Block** rules). You will need to manually approve or decline each **Under Review** transaction within 7 days.

## Attributes

| Category | Attribute |
| --- | --- |
| Payment Type | Rapyd Product Used, Payment Method and Category |
| Payment Method Details | Country of Payment Method, Card Brand, Issuing Bank, Card Type, Card Level, BIN Number, Card Number (PAN), Card Fingerprint, Card Token, Billing Address, Expiration Date |
| Payout Method Details | Beneficiary Bank, Country of Bank, Account Number Account Fingerprint |
| Device | Device Fingerprint, IP Address, IP v4 Address, IP Country |
| Technology | eCommerce Platform Plug-in, Initiator of Transaction |
| Transaction | Time and Date:  - Day of Week - Time of Day Currency  Amount by Currency  Number of Transactions:  - Allowed - Blocked - Failed  Aggregate Activity Level |
| Buyer | Cardholder Name, Email Address, Email Domain Name |
| Sender | Sender Country, Sender Name, Entity Type, Sender Fingerprint, Identification Type, Identification Value, Date of Birth, Number of Transactions, Value of Transactions, Number of Beneficiaries, eWallet Balance, eWallet Currency, eWallet Token |
| Beneficiary | Beneficiary Country, Beneficiary Name, Entity Type, Beneficiary Fingerprint, Identification Type, Identification Value, Number of Transactions, Value of Transactions, Number of Senders, Number of IDs, Length of Relationship |
| Risk Score | Rapyd Risk Score |

## Conditions

Each rule is made up of one or more conditions. Each condition includes the following:

- **Field** - The attribute that the condition refers to. Examples: A currency, a date and time, a specific card or token, a specific card type.
- **Condition** - The relation between the **Field** and the  **Value**. Examples: Less than, greater than, equals to. There are unique conditions for each type of field.
- **Value** - The value of the field.

## Operators

The **And** or  **Or** operators are used to filter a rule based on more than one condition. All conditions in a rule of multiple conditions are governed by the same operator.

## How to Create a Fraud Rule

1. Sign in as described in [Accessing the Client Portal](https://docs.rapyd.net/en/accessing-the-client-portal.md "Accessing the Client Portal") and navigate to **Protect** >  **Rules**

   The **Rules** page appears.

   ![64808c281ca98.png](image/img-dd2a7c730732f58a8face64eebeff58e.png)

   The **Rules** page is divided into sections for the type of rule: **Allow**,  **Block** and **Review**. To view the **Add Rule** buttons for **Block** and **Review** rule types, scroll down.
2. Choose the section for the type of rule you want to create and click **Add Rule**.

   ![64808c2a180f0.png](image/img-e94d6bfdaafbea1aa60336b058b2a9b4.png)

   > **Note:**
   >
   > In this example, an **Allow** rule is being added. **Block** and **Review** rule types are created in the same fashion.

   The **Create Rule** page appears.

   ![64808c2c01dd9.png](image/img-fcaed6568be81c7628fbd6e3a6ad15b4.png)
3. In the **Field** dropdown list, select the field that you want the first condition of the rule to evaluate. In this example, an amount in **EUR** is selected.

   ![64808c2e078c1.png](image/img-594695c15925599276291dcbe08248bf.png)
4. In the **Condition** dropdown list, select the condition that you want the rule to evaluate. In this example, a **Less Than** condition is selected.

   ![64808c302381c.png](image/img-d14b144bb7fe6cb2689aaf6bea63b4c4.png)
5. Enter a valid value in the **Value** field.

   ![64808c3205bd7.png](image/img-87ed7a4070bf3957b51ecc13d13a6a68.png)
6. To add another condition to the rule, tap the **and** or **or** button next to the **+** sign. This choice will control all the conditions in the rule. In this example, the operator is **Or**. Tap the **Or** button.

   A new condition line is added with an **or** operator to the previous condition.

   ![64808c33f114f.png](image/img-5853cb950e63d4f3361498ddfad9b998.png)

   Repeat steps 3-6 as many times as you require. In this example, the new condition is an amount in USD that is less than 100.00.

## Activate or Save Your New Fraud Rule

- To save a draft version of the rule, click **Save as Draft**. A draft rule is not validated and can be edited and enabled at a later time.
- To activate the rule, tap **Create Rule**. The **Enable Rule** dialog box appears.

  ![64808c3632280.png](image/img-c53d40a8126b0b0387a6d9a14f39ee48.png)

  > **Note:**
  >
  > Before you enable a rule, verify that it does not contradict existing enabled rules.
- To simulate the rule, tap **Simulate**. The rule is sent to the simulation. See [Simulate a Fraud Rule](https://docs.rapyd.net/en/simulate-a-fraud-rule.md "Simulate a Fraud Rule") for more information.
- To save the rule as enabled, tap  **Enable** .

  The rule is validated, enabled and used by Rapyd Protect. The rule appears on the **Rules** page.