A "Manual Review" is a term Assembly Payments use when a transactions that are not low risk enough to be auto-approved, and not high risk enough to be auto-declined are held for review.
Assembly Payments uses a fraud prevention tool that auto-detect suspicious or fraudulent transactions to minimise the need for humans to review a transaction manually. However, there may be times where human decision is required.
The aim of this process is to approve transactions that aren’t fraudulent and stop transactions that are likely to be fraudulent, to avoid card payment dispute, also known as a 'Chargeback'.
Transactions that are held for review are moved to an item state called 'Payment Held'.
The three possible outcomes of this process are:
- Transaction is manually verified. Item state will move to 'payment_deposited'.
- Transaction is unable to be verified. Card verification is requested from the buyer.
- Transaction is deemed fraudulent and refunded to the funding source of the buyer to avoid chargebacks.