Cybersource Decision Manager

Effective fraud prevention is crucial for safeguarding both your business and your consumers against unauthorized activity. Cybersource Decision Manager is a proven fraud detection tool that uses advanced intelligence. It leverages insights from billions of transactions processed annually by Visa and Cybersource worldwide to identify high-risk transactions and enable more accurate, confident decisions. Real-time fraud detection aims to identify as many fraudulent activities as possible, while balancing two key priorities: protecting your business from threats and providing seamless payment experiences.

Features

Combines Machine Learning Models: Instead of depending on a single statistical algorithm, Cybersource Decision Manager integrates multiple machine learning (ML) techniques. This use of artificial intelligence results in more precise and reliable fraud scoring.
Data Enrichment: The system is enhanced with over 260 fraud detectors, providing a comprehensive assessment of transaction risk for improved accuracy in fraud detection.
Configurable Rules: Users can create detailed rules with multiple conditions, leveraging various data points to customize fraud prevention strategies.
Visa Intelligence: The solution benefits from continuous advancements through collaboration with Visa’s Advanced Analytics and Research teams, ensuring access to the latest fraud detection innovations.

What does mean for you?

Pre-authorization Screening: Allows you to make more informed decisions by filtering out risky transactions before approval.
Proven Fraud Prevention Tool: Provides deep data insights and advanced intelligence to protect your business from threats, ensure operational efficiency, and deliver frictionless payment experiences.
Customer Differentiation: Uses identity analysis and device fingerprinting to distinguish between genuine customers and potential fraudsters, helping you stay ahead of emerging fraud patterns, identify good customer behavior, and detect customers who are new to your database.
Advanced Machine Learning: Employs sophisticated machine learning technologies fueled with insights from a unified consortium model, which accesses data from 141 billion transactions processed globally on the VISA network.
Leverage Past Transactions: Uses the Rules Suggestion Engine to automatically generate recommended fraud rules based on emerging patterns, enabling you to continuously refine and improve your fraud strategies.

Data fields

When you send a payment request, there are various fields included that need to be filled out. We encourage you to send as many fields as possible, as not all of them are mandatory. Sending more data in your request also helps the machine learning models to get educated in real time by consuming and assessing the data signals for more effective fraud detection. For a detailed description of data fields, refer to our API Reference.

Use the table below to see which fields you need to send in your request.

Mandatory		If you do not send these fields in your request, the fraud screening cannot be processed.
Highly recommended		Useful data that will help you detect fraud. You should strongly consider sending these fields in your request to enhance your fraud detection.
Industry-specific (airline)		Essential data if you are operating in a specific industry.
Industry-specific (hospitality)		Essential points if you are operating in a specific industry.
Industry-specific (retail)		Essential data if you are operating in a specific industry.
Conditional		Required data to use depending on the specific object. If you don't include it, the entire object will not be sent for fraud screening, affecting your overall fraud detection results.
Additional		Optional data that can improve your fraud detection.

Property	Type	Details
order	object	Order object containing order-related data. Please note that this object is required to be able to submit the amount.
amountOfMoney	object	Object containing amount and ISO currency code attributes.
currencyCode	string(3)	Three-letter ISO currency code representing the currency for the amount.
amount	integer(12)	Amount in cents and always having 2 decimals.
references	object	Object that holds all reference properties that are linked to this transaction.
merchantReference	string	Your unique reference of the transaction that is also returned in our report files. This is almost always used for your reconciliation of our report files. Note: maximum length of this field for transactions processed on the GlobalCollect platform is 30. maximum length of this field for transactions processed on the WL Online Payment Acceptance Platform platform is 50.
invoiceData	object	Object containing additional invoice data.
additionalData	string	Additional data for printed invoices.
additionalInput.airlineDate	object
agentNumericCode	string(8)	Numeric code identifying the agent.
code	string(3)	Airline numeric code.
flightDate	string(8)	Date of the flight. Format: YYYYMMDD
flightLegs.items	object
airlineClass	string	Reservation Booking Designator.
arrivalAirport	string(3)	Arrival airport/city code.
carrierCode	string(2)	IATA carrier code.
date	string(8)	Date of the leg. YYYYMMDD
departureTime	string(6)	The departure time in the local time at the departure airport. Format: HH:MM
flightNumber	string(4)	The flight number assigned by the airline carrier with no leading spaces. Should be a numeric string.
originAirport	string(3)	Origin airport/city code.
issueDate	string(16)	This is the date of issue recorded in the airline system In a case of multiple issuances of the same ticket to a cardholder, you should use the last ticket date. Format: YYYYMMDD
name	string(16)	Name of the airline.
passengerName	string(8)	Name of passenger.
placeOfIssue	string	Place of issue. For sales in the US the last two characters (pos 14-15) must be the US state code.
pointOfSale	string	IATA point of sale name.
pnr	string(217)	Passenger name record.
posCityCode	string	City code of the point of sale.
ticketNumber	string	The ticket or document number. On GlobalCollect Payment Platform it contains: Airline code: 3-digit airline code number Form code: A maximum of 3 digits indicating the type of document, the source of issue and the number of coupons it contains Serial number: A maximum of 8 digits allocated on a sequential basis, provided that the total number of digits allocated to the form code and serial number shall not exceed ten TICKETNUMBER can be replaced with PNR if the ticket number is unavailable
passengerName	string(49)	Name of the passenger.
ticketNumber	string(13)	The ticket or document number. On the Ogone Payment Platform and the GlobalCollect Payment Platform it contains: Airline code: 3-digit airline code number Form code: maximum of 3 digits indicating the type of document, the source of issue and the number of coupons it contains Serial number: maximum of 8 digits allocated on a sequential basis, provided that the total number of digits allocated to the form code and serial number shall not exceed ten TICKETNUMBER can be replaced with PNR if the ticket number is unavailable
placeOfIssue	string(15)	Place of issue. For sales in the US the last two characters (POS 14-15) must be the US state code.
pointOfSale	string(25)	IATA point of sale name.
posCityCode	string(10)	City code of the point of sale.
additionalInput.lodgingData	object	Object that holds lodging specific data.
folioNumber	string(25)	The Lodging Folio Number assigned to the itemized statement of charges and credits associated with this lodging stay, which can be any combination of characters and numerals defined by the Merchant or authorized Third Party Processor.
checkInDate	string(8)	The date the guest checks into (or plans to check in to) the facility. Format: YYYYMMDD
checkOutDate	string(8)	The date the guest checks out of (or plans to check out of) the facility. Format: YYYYMMDD
isConfirmedReservation	boolean	Indicates whether the room reservation is confirmed. true - room reservation is confirmed false - room reservation is not confirmed
numberOfAdults	integer(3)	The total number of adult guests staying (or planning to stay) at the facility (i.e., all booked rooms).
numberOfNights	integer(4)	The number of nights for the lodging stay.
numberOfRooms	integer(4)	The number of rooms rented for the lodging stay.
propertyPhoneNumber	string(20)	The local phone number of the facility in an international phone number format.
propertyCustomerServicePhoneNumber	string(20)	The international customer service phone number of the facility.
rooms.items	array of objects	Object that holds lodging-related room data.
typeOfRoom	string(12)	Describes the type of room, e.g., standard, deluxe, suite.
typeOfBed	string(12)	Size of bed, e.g., king, queen, double.
dailyRoomRate	string(12)	Daily room rate exclusive of any taxes and fees. Note: The currencyCode is presumed to be identical to the order.amountOfMoney.currencyCode.
dailyRoomRateCurrencyCode	string(3)	Currency for daily room rate. The code should be in 3 letter ISO format.
dailyRoomTaxAmount	string(12)	Daily room tax. Note: The currencyCode is presumed to be identical to the order.amountOfMoney.currencyCode.
customer	object	Object containing the details of the customer. Depends on: required, except when a token has been included in the request that includes at least the countryCode in the billingAddress.
merchantCustomerId	string(15)	Your identifier for the customer. It can be used as a search criteria in the GlobalCollect Payment Console and is also included in the GlobalCollect report files. It is used in the fraud-screening process for payments on the Ogone Payment Platform. Depends on: Required for payments done with payment product 320 (Google Pay), payment product 806 (Trustly) and 830 (paysafecard). Required for hosted checkouts where payment products 806 (Trustly) and 830 (PaysafeCard) are allowed. Required for card payments and hosted checkouts with one of the following properties: unscheduledCardOnFileSequenceIndicator unscheduledCardOnFileRequestor.
isPreviousCustomer	boolean	Specifies if the customer has a history of online shopping with the merchant. true - customer is a known returning customer false - customer is new/unknown customer
contactDetails	object	Object containing contact details like email address and phone number.
emailAddress	string(70)	Email address of the customer. The '+' character is not allowed in this property for transactions that are processed by TechProcess Payment Platform.
phoneNumber	string(20)	Phone number of the customer. The '+' character is not allowed in this property for transactions that are processed by TechProcess Payment Platform.
personalInformation	object	Object containing personal information like name, date of birth and gender.
name	object	Object containing the name details of the customer.
firstName	string(15)	Given name(s) or first name(s) of the customer. The '+' character is not allowed in this property for transactions that are processed by TechProcess Payment Platform.
surname	string(70)	Surname(s) or last name(s) of the customer. The surname is truncated after 25 characters, with the limit being applied after surnamePrefix is prepended, for payments, refunds or payouts that are processed by the WL Online Payment Acceptance platform The '+' character is not allowed in this property for transactions that are processed by TechProcess Payment Platform.
locale	string(6)	The locale that the customer should be addressed in (for 3rd parties). Note that some 3rd party providers only support the languageCode part of the locale, in those cases we will only use part of the locale provided.
billingAddress	object	Object containing billing address details.
street	string(50)	Street name.
houseNumber	string(15)	House number. The houseNumber is truncated after 10 characters for payments, refunds or payouts that are processed by the WL Online Payment Acceptance platform.
additionalInfo	string(50)	Additional address information. The additionalInfo is truncated after 10 characters for payments, refunds or payouts that are processed by the WL Online Payment Acceptance platform.
zip	string	Zip code. Note: For payments with product 1503 the maximum length is not 10 but 8.
city	string	City. Note: For payments with product 1503 the maximum length is not 40 but 20.
state	string(50)	Full name of the state or province.
countryCode	string(2)	ISO 3166-1 alpha-2 country code.
device	object	Object containing information on the device and browser of the customer.
acceptHeader	string	The accept-header of the customer client from the HTTP Headers. Required for 3-D Secure version 2 for the authenticationFlow "browser."
browserData	object	Object containing information regarding the browser of the customer. Required for 3D Secure version 2 for the browser flow.
colorDepth	integer	ColorDepth in bits. Value is returned from the screen.colorDepth property. If you use the latest version of our JavaScript Client SDK, we will collect this data and include it in the encryptedCustomerInput property. We will then automatically populate this data if available. Note: This data can only be collected if JavaScript is enabled in the browser. This means that 3-D Secure version 2.1 requires the use of JavaScript to enabled. In the upcoming version 2.2 of the specification this is no longer a requirement. As we currently support version 2.1 it means that this property is required when cardPaymentMethodSpecifInput.threeDSecure.authenticationFlow is set to "browser". Required for 3D Secure version 2 for the authenticationFlow "browser"
javaScriptEnabled	boolean	true = JavaScript is enabled in the browser false = JavaScript is not enabled in the browser Required in 3D Secure version 2.2. Required for 3D Secure version 2 for the authenticationFlow "browser"
screenHeight	string	Height of the screen in pixels. Value is returned from the screen.height property. If you use the latest version of our JavaScript Client SDK, we will collect this data and include it in the encryptedCustomerInput property. We will then automatically populate this data if available. This data can only be collected if JavaScript is enabled in the browser. This means that 3D Secure version 2.1 requires the use of JavaScript to enabled. In the version 2.2 of the specification this is no longer a requirement. As we currently support version 2.1 it means that this property is required when cardPaymentMethodSpecifInput.threeDSecure.authenticationFlow is set to "browser". Required for 3D Secure version 2 for the authenticationFlow "browser"
screenWidth	string	Width of the screen in pixels. Value is returned from the screen.width property. If you use the latest version of our JavaScript Client SDK, we will collect this data and include it in the encryptedCustomerInput property. We will then automatically populate this data if available. This data can only be collected if JavaScript is enabled in the browser. This means that 3D Secure version 2.1 requires the use of JavaScript to enabled. In the version 2.2 of the specification this is no longer a requirement. As we currently support version 2.1 it means that this property is required when cardPaymentMethodSpecifInput.threeDSecure.authenticationFlow is set to "browser". Required for 3D Secure version 2 for the authenticationFlow "browser"
deviceFingerprintTransactionId	string	One must set the deviceFingerprintTransactionId received by the response of the endpoint /{merchant}/products/{paymentProductId}/ deviceFingerprint
ipAddress	string(45)	The IP address of the customer client from the HTTP Headers.
timezoneOffsetUtcMinutes	string(6)	Offset in minutes of timezone of the client versus the UTC. Value is returned by the JavaScript getTimezoneOffset() API call. If you use the latest version of our JavaScript Client SDK, we will collect this data and include it in the encryptedCustomerInput property. We will then automatically populate this data if available.
userAgent	string(6)	User-Agent of the client device/browser from the HTTP Headers. As a fall-back we will use the userAgent that might be included in the encryptedCustomerInput, but this is captured client side using JavaScript and might be different.
defaultFormFill	string	Degree of default form fill, with the following possible values: automatically - all fields filled automatically automatically-but-modified - all fields filled automatically, but some fields were modified manually manually - all fields were entered manually
account	object	Object containing data related to the account the customer has with you.
changeDate	object	The last date (YYYYMMDD) on which the customer made changes to their account with you. These are changes to billing & shipping address details, new payment account (tokens), or new users(s) added.
createDate	string(8)	The date (YYYYMMDD) on which the customer created their account with you.
hadSuspiciousActivity	boolean
passwordChangeDate	string	The last date (YYYYMMDD) on which the customer changed their password for the account used in this transaction.
paymentAccountOnFile	object	Object containing information on the payment account data on file (tokens).
createDate	string	The date (YYYYMMDD) when the payment account on file was first created. In case a token is used for the transaction we will use the creation date of the token in our system in case you leave this property empty.
numberOfCardOnFileCreationAttemptsLast24Hours	integer(3)	Number of attempts made to add new card to the customer account in the last 24 hours.
hadSuspiciousActivity	boolean	Specifies if you have experienced suspicious activity on the account of the customer. true = you have experienced suspicious activity (including previous fraud) on the customer account used for this transaction false = you have experienced no suspicious activity (including previous fraud) on the customer account used for this transaction
authentication	object	Object containing data on the authentication used by the customer to access their account.
method	string	Authentication used by the customer on your website or app Possible values : guest = no login occurred, customer is 'logged in' as guest merchant-credentials = the customer logged in using credentials that are specific to you federated-id = the customer logged in using a federated ID issuer-credentials = the customer logged in using credentials from the card issuer (of the card used in this transaction) third-party-authentication = the customer logged in using third-party authentication fido-authentication = the customer logged in using a FIDO authenticator fido-authentication-with-signed-assurance-data = the customer logged in using a FIDO authenticator which also provides signed assurance data src-assurance-data = the customer authenticated themselves during a Secure Remote Commerce session
shipping	object	Object containing information regarding shipping / delivery.
type	string	Indicates the merchandise delivery timeframe. Possible values: electronic = For electronic delivery (services or digital goods) same-day = For same day deliveries overnight = For overnight deliveries 2-day-or-more = For two day or more delivery time for payments that are processed by the GlobalCollect platform 2-day-or-more = For two day or more delivery time for payments that are processed by the Ogone platform priority = For prioritized deliveries for payments that are processed by the WL Online Payment Acceptance platform ground = For deliveries via ground for payments that are processed by the WL Online Payment Acceptance platform to-store = For deliveries to a store for payments that are processed by the WL Online Payment Acceptance platform
emailAddress	string(70)	Email address linked to the shipping.
trackingNumber	string(19)	Shipment tracking number.
comments	string(160)	Comments included during shipping.
address	object	Object containing address information.
additionalInfo	string(50)	Additional address information.
city	string	City.
countryCode	string	ISO 3166-1 alpha-2 country code.
houseNumber	string (15)	House number.
name	object	Object that holds name elements.
firstName	string(15)	Given name(s) or first name(s) of the customer.
surname	string(70)	Surname(s) or last name(s) of the customer. The surname is truncated after 25 characters, with the limit being applied after surnamePrefix is prepended, for payments, refunds or payouts that are processed by the WL Online Payment Acceptance platform The '+' character is not allowed in this property for transactions that are processed by TechProcess Payment Platform.
state	string(35)	Full name of the state or province.
street	string(50)	Street name.
zip	string	Zip code.
shoppingCart	object	Shopping cart data, including items and specific amounts.Required by the GlobalCollect platform for payments and hosted checkouts with products 869 (China UnionPay), 9000 (AfterPay Installments) and 9001 (AfterPay Invoice).
isPreOrder	boolean	The customer is pre-ordering one or more items.
items.items	boolean	The customer is pre-ordering one or more items.
amountOfMoney	object	Object containing amount and ISO currency code attributes. Note: make sure you submit the amount and currency code for each line item.
amount	integer(12)	Amount in cents and always having 2 decimals.
currencyCode	string(3)	Three-letter ISO currency code representing the currency for the amount. If productPrice is sent, then currencyCode must be sent.
invoiceData	object	Object containing the line items of the invoice or shopping cart.
description	string(116)	Shopping cart item description. Alternative productName.
orderLineDetails	object	Object containing additional information that when supplied can have a beneficial effect on the discount rates.
productCode	string(12)	Product or UPC Code, left justified. Note: Must not be all spaces or all zeros. It must be sent to use shoppingCart data points in your fraud screening.
productType	string(12)	Code used to classify items that are purchased. Note: Must not be all spaces or all zeros
productName	string(120)	The name of the product. The '+' character is not allowed in this property for transactions that are processed by TechProcess Payment Platform.
productCategory	string(50)	The category of the product (i.e. home appliance). This property can be used for fraud screening on the Ogone Platform.
productPrice	string(12)	The price of one unit of the product, the value should be zero or greater.
quantity	integer(4)	Quantity of the units being purchased, should be greater than zero. Note: Must not be all spaces or all zeros
cardPaymentMethodSpecificInput	object	Object containing the specific input details for card payments.
card	object	Object containing card details. The card details will be ignored in case the property networkTokenData is present.
cvv	string(4)	Card Verification Value, a 3 or 4 digit code as an additional security feature for card not present transactions.
cardNumber	string(19)	The complete credit/debit card number (also know as the PAN). The minimum input length is 12 digits. The card number is always obfuscated in any of our responses.
expiryDate	string(4)	Expiry date of the card. Format: MMYY
isRecurring	boolean	true - only payment products that support recurring payments will be shown. Any transactions created will also be tagged as being a first of a recurring sequence. false - only payment products that support one-off payments will be shown.
paymentProductId	integer(5)	Payment product identifier. Please see payment products for a full overview of possible values.
recurring	object	Object containing data related to recurring.
endDate	string(8)	The date that the trial period ends in YYYYMMDD format.
minFrequency	integer(4)	Minimum number of days between authorizations. If no value is provided we will set a default value of 30 days.
recurringPaymentSequenceIndicator	string	first = this transaction is the first of a series of recurring transactions recurring = this transaction is a subsequent transaction in a series of recurring transactions Note: Will default to first when isRecurring is set to true, with the following exception that it is set to recurring when the customer is making the payment using a PayPal token. Note: For any first of a recurring the system will automatically create a token as you will need to use a token for any subsequent recurring transactions. In case a token already exists this is indicated in the response with a value of False for the isNewToken property in the response.
unscheduledCardOnFileRequestor	string	Indicates which party initiated the unscheduled recurring transaction. Allowed values: merchantInitiated - Merchant Initiated Transaction. cardholderInitiated - Cardholder Initiated Transaction. Note: this property is not allowed if isRecurring is true. Required when unscheduledCardOnFileSequenceIndicator is 'subsequent'. Otherwise it must not be 'merchantInitiated'.
unscheduledCardOnFileSequenceIndicator	string	first = This transaction is the first of a series of unscheduled recurring transactions. subsequent = This transaction is a subsequent transaction in a series of unscheduled recurring transactions. Note: this property is not allowed if isRecurring is true.
threeDSecure	object	Object containing specific data regarding 3D Secure.
challengeIndicator	string	Allows you to indicate if you want the customer to be challenged for extra security on this transaction. Possible values: no-preference - You have no preference whether or not to challenge the customer (default) no-challenge-requested - you prefer the cardholder not to be challenged challenge-requested - you prefer the customer to be challenged challenge-required - you require the customer to be challenged
exemptionRequest	string	Type of strong customer authentication (SCA) exemption requested for this transaction. Possible values: none - No exemption flagging is to be used of this transaction (Default). automatic - Our systems will determine the best possible exemption based on the transaction parameters and the risk scores. transaction-risk-analysis - You have determined that this transaction is of low risk and are willing to take the liability. Please note that your fraud rate needs to stay below thresholds to allow your use of this exemption. low-value - The value of the transaction is below 30 EUR. Please note that the issuer will still require every 5th low-value transaction pithing 24 hours to be strongly authenticated. The issuer will also keep track of the cumulative amount authorized on the card. When this exceeds 100 EUR strong customer authentication is also required. whitelist - You have been whitelisted by the customer at the issuer.
externalCardholderAuthenticationData	object	Object containing 3D secure details.
cavv	string(50)	The CAVV (cardholder authentication verification value) or AAV (accountholder authentication value) provides an authentication validation value. Required by the GlobalCollect platform for ECI 2 and 5.
eci	integer(2)	Electronic Commerce Indicator provides authentication validation results returned after AUTHENTICATIONVALIDATION. 0 = No authentication, Internet (no liability shift, not a 3D Secure transaction) 1 = Authentication attempted (MasterCard) 2 = Successful authentication (MasterCard) 5 = Successful authentication (Visa, Diners Club, Amex) 6 = Authentication attempted (Visa, Diners Club, Amex) 7 = No authentication, Internet (no liability shift, not a 3D Secure transaction) (empty) = Not checked or not enrolled
skipAuthentication	boolean	true = 3D Secure authentication will be skipped for this transaction. This setting should be used when isRecurring is set to true and recurringPaymentSequenceIndicator is set to recurring. false = 3D Secure authentication will not be skipped for this transaction. Note: This is only possible if your account in our system is setup for 3D Secure authentication and if your configuration in our system allows you to override it per transaction.
redirectionData	object	Object containing browser specific redirection related data.
returnUrl	string(512)	The URL that the customer is redirect to after the payment flow has finished. You can add any number of key value pairs in the query string that, for instance help you to identify the customer when they return to your site. Please note that we will also append some additional key value pairs that will also help you with this identification process. Note: The provided URL should be absolute and contain the protocol to use, e.g. http:// or https://. For use on mobile devices a custom protocol can be used in the form of protocol://. This protocol must be registered on the device first. URLs without a protocol will be rejected.
directDebitPaymentMethodSpecificInput	object	Object containing the specific input details for direct debit payments.
paymentProductId	integer(5)	Payment product identifier. Please see payment products for a full overview of possible values.
paymentProduct705SpecificInput	object	Object containing UK Direct Debit specific details.
bankAccountBban	object	Object containing account holder name and bank account information.
accountNumber	string	Bank account number.
bankCode	string	Bank code.
branchCode	string	Branch code.
bankName	string(40)	Name of the bank.
countryCode	string(2)	ISO 3166-1 alpha-2 country code of the country where the bank account is held For UK payouts this value is automatically set to GB as only payouts to UK accounts are supported.
accountHolderName	string(30)	Name of the account holder.
sepaDirectDebitPaymentMethodSpecificInput	object	Object containing the specific input details for SEPA direct debit payments.
paymentProductId	integer(5)	Payment product identifier. Only available for PPID 771 and 770. Please see payment products for a full overview of possible values.
token	string(40)	ID of the token that holds previously stored card data. If both the token and card are provided, then the card takes precedence over the token.
fraudFields	object	Object containing additional data that will be used to assess the risk of fraud.
customerIpAddress	string(45)	The IP Address of the customer that is making the payment. The '+' character is not allowed in this property for transactions that are processed by TechProcess Payment Platform.
orderTimezone	string(2)	Timezone in which the order was placed. The '+' character is not allowed in this property for transactions that are processed by TechProcess Payment Platform.
giftCardType	string	One of the following gift card types: celebrate-fall - Celebrate Fall grandparents-day - Grandparent's Day independence-day - Independence Day anniversary - Anniversary birthday - Birthday congratulations - Congratulations april-fools-day - April Fool's Day easter - Easter fathers-day - Father's Day graduation - Graduation holiday - Holiday seasons-greetings - Season's Greetings passover - Passover kwanzaa - Kwanzaa halloween - Halloween mothers-day - Mother's Day new-years-day - New Year's Day bosses-day - Bosses' Day st-patricks-day - St. Patrick's Day sweetest-day - Sweetest Day christmas - Christmas baby-shower - Baby Shower thanksgiving - Thanksgiving other - Other valentines-day - Valentine's Day wedding - Wedding secretarys-day - Secretary's Day chinese-new-year - Chinese New Year hanukkah - Hanukkah
giftMessage	string(160)	Gift message
userData	array	Array of up to 16 userData properties, each with a max length of 256 characters, that can be used for fraud screening. Use it for the fields that are specific to your business and beneficial to be used for your fraud monitoring.