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Contact your integration engineer if you wish to receive FRAUD_REPORTED webhooks

Overview

Reported Fraud represents early fraud signals received by us, as the merchant of record, from card issuers and card networks indicating that a transaction is suspected to be fraudulent.

These reports are generated using issuer-provided fraud data from the following sources: • Visa TC40 reports • Mastercard SAFE reports

Issuers may report transactions as fraudulent without raising a chargeback. This can occur when the fraud amount is low, or when the transaction was authenticated using 3D Secure, where liability may already be shifted.

When we receive a reported fraud signal for a payment processed on your behalf, we make this information available to you so that you can take appropriate action within your own systems. In some cases, this may allow you to proactively refund a fraudulent payment before it escalates into a formal dispute or chargeback or flag the account for additional review.

How to access Reported Fraud

Dashboard

You can view and filter reported fraud events for your payments in the Merchant Dashboard at: https://dashboard.breeze.cash/fraud-reports

Webhooks

When we receive a reported fraud signal from card issuers or card networks, we send a FRAUD_REPORTED webhook to notify you that a payment has been reported as potentially fraudulent.

Webhook Payload

Fields	Type	Description
type	`string`	Webhook Type: `FRAUD_REPORTED`
signature	`string`	Webhook signature for verification
`data.pageId`	`string`	Reference to the original payment associated with the reported fraud
`data.clientReferenceId`	`string`	The reference you provided when creating the payment, which can be used to associate the fraud report with your internal records
`data.fraudReportId`	`string`	The unique identifier of the fraud report. You can use this identifier to retrieve additional details by sending a `GET` request to the Reported Fraud API (see Programmatic Access below)
`data.fraudReason`	`string`	A descriptive reason indicating why the payment was reported as fraud by the issuer or network

Example Webhook Payload

{
  "type": "FRAUD_REPORTED",
  "data": {
    "pageId": "page_0cc9885f145bb22b",
    "clientReferenceId": "741ff0e2-b4c2-4986-97d9-c0afe964a840",
    "fraudReportId": "pay_aqg5fwro7pcupdlv6idatovwbi",
    "fraudReason": "Card Not Present Fraud"
  },
  "signature": "eos8aMtTz1zTVUK5tq4N/e+Iem4O/ba9FeT02cgzV/k="
}

Refer to https://docs.breeze.cash/docs/webhooks#-webhook-security for signature validation.

Programmatic Access

You can retrieve reported fraud information programmatically using the Reported Fraud API. This allows you to list and search reported fraud events, or retrieve detailed information about a specific fraud report.

List Reported Frauds

curl -X GET 'https://api.breeze.cash/v1/fraud_reports' \
  -u "YOUR_API_KEY:" \
  --header 'Content-Type: application/json' \

A successful response will look like:

{
    "status": "SUCCEEDED",
    "data": {
        "checkoutFraudReports": [
            {
                "checkoutPaymentId": "pay_aqg5fwro7pcupdlv6idatovwbi",
                "clientReferenceId": "741ff0e2-b4c2-4986-97d9-c0afe964a840",
                "fraudAmountUSD": "5",
                "fraudReason": "Card Not Present Fraud",
                "fraudIssueDate": "2024-06-24 00:00:00",
                "transactionDate": "2024-06-17 10:12:11",
                "issuingBank": "TEST BANK",
                "cardholderName": "Charlie Becker",
                "customerEmail": "[email protected]",
                "cardSchemeType": "DEBIT",
                "cardNumber": "424242******4242"
            }
        ],
        "count": 1,
        "hasMore": false
    }
}

You can specify the following request parameters for pagination and filtering

Retrieving the first 20 reported frauds: pagination[offset]=0&pagination[limit]=20
Retrieving a specific reported fraud with ID: filters[checkoutPaymentId]=<id>
Retrieving the first 20 reported frauds issued in a date range: filters[fraudIssueDateRange][start]=2026-01-01+00:00:00&filters[fraudIssueDateRange][end]=2026-01-09+00:00:00&pagination[offset]=0&pagination[limit]=20

Retrieve a reported fraud

curl -X GET 'https://api.breeze.cash/v1/fraud_reports/:id' \
  -u "YOUR_API_KEY:" \
  --header 'Content-Type: application/json' \

A successful response will look like this:

{
    "status": "SUCCEEDED",
    "data": {
        "checkoutFraudReport": {
            "checkoutPaymentId": "pay_aqg5fwro7pcupdlv6idatovwbi",
            "clientReferenceId": "741ff0e2-b4c2-4986-97d9-c0afe964a840",
            "fraudAmountUSD": "5",
            "fraudReason": "Card Not Present Fraud",
            "fraudIssueDate": "2024-06-24 00:00:00",
            "transactionDate": "2024-06-17 10:12:11",
            "issuingBank": "TEST BANK",
            "cardholderName": "Charlie Becker",
            "customerEmail": "[email protected]",
            "cardSchemeType": "DEBIT",
            "cardNumber": "424242******4242"
        }
    }
}