Low-Risk
The Low-Risk Rule integrates with an External Risk Engine to apply TRA exemptions. Transactions below the configured value limit are sent to the risk engine for scoring. A low-risk score results in a frictionless approval; medium or high risk triggers a challenge or reject.
The Low-Risk Rule is deprecated. Use the Conditional Rule with theRisk ScoreorVisa Risk Score/Mastercard Risk Scorefields to achieve the same behaviour with greater flexibility.
The external risk engine must be configured by the Apata support team before this rule can be used.
Parameters
Value Limit
The maximum transaction value in euros below which the rule applies. Transactions at or above this limit are passed to the next rule without being evaluated by the risk engine.
The appropriate value limit is determined by your fraud rate. Visa's recommended thresholds are:
| Fraud Rate | Recommended Value Limit |
|---|---|
| Below 0.01% | €500 |
| 0.01% – 0.06% | €250 |
| 0.06% – 0.13% | €100 |
| Above 0.13% | TRA exemption not available |
Next on Low Risk
When enabled, the rule does not exempt the transaction even if the Risk Score is low. Instead, it passes the score to subsequent rules and moves to the next rule. This allows the low-risk score to influence downstream Conditional Rule evaluation.
When disabled (default), a low-risk score results in an immediate frictionless acceptance.
Flow
flowchart TD
classDef success fill:#e6ffed,stroke:#38a169,color:#276749
classDef terminal fill:#fff5f5,stroke:#fc8181,color:#c53030
classDef process fill:#ebf8ff,stroke:#4299e1,color:#2c5282
START([Transaction received]) --> LIMIT{Amount under value limit?}:::process
LIMIT -->|No| NEXT1([Next Rule])
LIMIT -->|Yes| SCORE{Risk engine score?}:::process
SCORE -->|LOW| NEXTLOW{Next on Low Risk enabled?}:::process
NEXTLOW -->|No| ACC([Frictionless · SUCCEEDED]):::success
NEXTLOW -->|Yes| NEXT2([Next Rule])
SCORE -->|MEDIUM| CHAL([Challenge Flow]):::process
SCORE -->|HIGH| REJECT{Reject on High Risk?}:::process
REJECT -->|Yes| REJ([REJECTED]):::terminal
REJECT -->|No| CHAL2([Challenge Flow]):::process
Examples
Accept Transactions Below €30 When Risk is Low
Transactions under €30 are sent to the risk engine. A low score exempts them with TRA; a medium or high score triggers a challenge.
Pass Low-Risk Score to Subsequent Rules
The transaction is not exempted on a low score; the score is carried forward for downstream rule evaluation. Medium or high scores still challenge.
Outcome Summary
| Value Limit | Amount | Risk Score | Next on Low Risk | Outcome |
|---|---|---|---|---|
| €30 | €20 | LOW | No | Accept |
| €100 | €40 | LOW | Yes | Next |
| €30 | €40 | LOW | No | Next (amount exceeds limit) |
| €30 | €40 | HIGH | No | Next (amount exceeds limit) |
| €100 | €40 | HIGH | No | Challenge |
| €100 | €40 | MEDIUM | No | Challenge |
Updated 18 days ago