What is JotForm?
JotForm is a free online form builder which helps you create online forms without writing a single line of code. No sign-up required.

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We believe that if one user has a question, there could be more users who may have the same question. This is why many of our support forum threads are public and available to be searched and viewed. If you’d like help immediately, feel free to search for a similar question, or submit your question or concern.


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    Stripe Warning : JotForm Payment validations are high risk

    Asked by PetraMartinHLP on March 10, 2017 at 08:41 PM

    Kindly explain:

     

    Page URL:
    https://form.jotform.us/70687222413150

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    JotForm Support

    Answered by liyam on March 11, 2017 at 08:32 AM

    Hello,

    Can you give us an idea on how you were able to evaluate that the block was due to being a payment coming from a JotForm-based form? Currently, we have not received reports from other Stripe users claiming that it was because of JotForm that their payments were not received.

    On Stripe's page, it indicates are as follows:

    At the core of Radar, Stripe’s modern suite of fraud protection tools, is our machine learning system that evaluates all your credit-card based on transactions for fraud. Those transactions we believe are highly likely to be fraudulent are labeled as high risk (highest in our API) and are automatically blocked. These charges are noted as “Payment blocked due to high risk” in the payment detail view and we will also include the primary risk explanation for why the charge was evaluated as high risk.

    A charge could also be blocked by one of your custom rules you’ve setup through your rules dashboard. For any of these payments we will note that the payment was blocked by one of your custom rules, and which rule blocked the payment.

    Decreasing the likelihood of declines 

    If you are confident that a high risk payment that was blocked by Stripe is actually legitimate, you can report the charge as safe in the Dashboard. After marking a payment as safe, you (or your customer) can retry the payment–Stripe will react to your feedback accordingly.

    xxx

    You can further refer refer more details on Stripe's help guide on this link: https://support.stripe.com/questions/why-was-a-customers-charge-declined 

    Will be looking forward for your response.

    Thanks.

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    Answered by PetraMartinHLP on March 12, 2017 at 05:51 PM

    Step 1. I created a brand-new account in Stripe.

    Step 2. I created a JotForm that I hooked to it.

    Step 3. I asked someone in Canada to place an order using the form, and she did.

    Step 4: I received an email message from Stripe that said:

    No action is required on your part, but we wanted to let you know that—for the first time—Stripe has blocked a likely-fraudulent payment on your account. This is only a first-time notification; we won't email you about this again in the future.

    Stripe Radar evaluates payments across Stripe's entire network in real time. By default we block the high-risk payments (such as the payment noted in this email), and place elevated-risk payments in your review queue so you can give them a second look. 

    I assumed it was the order from Canada that had been blocked. But when I went to my Stripe dashboard, the high-risk payments turned out to be attributed to JotForm--both for $1.

    I have no custom rules set. If you can tell me that this charge is legitimate, I can unblock it. But I don't want to do that unless I know it was from you.

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    JotForm Support

    Answered by Ian on March 12, 2017 at 11:05 PM

    I am forwarding the issue to our Developer team so they can look into it and update you. Thanks for your patience.

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    JotForm Developer

    Answered by omur on March 13, 2017 at 03:38 AM

    Hello Petra,

    Thank you very much for taking the time to write us.

    Our payment wizard has the verification ability which checks if your payment gateway settings are setup correctly. To do this, it tries to place a real payment of $1 with a test credit card number.

    This test-payment is programmed to be declined automatically. Unfortunately it does trigger the fraud prevention filters at Stripe.

    You don't need to worry as the test-payment is also marked as JotForm Test Payment so nobody is really trying to out something on your account.

    We'll be disabling the verification feature of Stripe until it has been clarified. 

    I hope this clarifies the situation.

    Thank you