Alipay, China's leading third-party online payment solutionAlipay, China's leading third-party online payment solution

Independent risk control

APO's independent risk control solution enables merchants to implement the risk control function of card payment. APO advances the risk control process based on obtaining risk control recommendations, and the entire process does not require the merchant to participate in the decision-making process. The merchant only needs to call the interface to report to Ant Group after the occurrence of the transaction risk.

APO's independent risk control solution can advise you on whether to authorize a transaction before authorization and advance the transaction based on the risk control recommendations obtained.

Integration flow

The integration process of independent risk control solutions is shown in the following figure:

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Figure 1. SDK integration flow of independent risk control

Integration consideration

When a buyer submits a payment request, you need to integrate the card payment capability via SDK or API. The integration steps for this solution are the same as for the Card payments. If you integrate independent risk control via SDK, you only need to complete the following actions:

1. Introduce an independent risk control SDK package

According to the terminal type, introduce the independent risk control SDK package through the following operations:

No need to integrate an independent risk control SDK package in the Web/WAP type

2. Notify a risk

If a transaction is suspected of fraud or card theft or chargeback occurs, you need to call the reportRisk API to notify Ant Group of the risk. Please refer to Notify a risk for more details.