Signifyd

Screen orders with Signifyd before or after authorization. Payrails sends Signifyd a checkout before authorization or a sale after it, and maps Signifyd’s checkpoint action to a Payrails decision your workflow acts on. Payrails also reports fulfilment, returns, cancellations and chargebacks to Signifyd.

Supported operations

Operation	Supported	Signifyd endpoint
Pre-authorization score	✔	Checkouts
Post-authorization score	✔	Sales, with the decision delivered in the response
Order updates	✔	`fulfillments` and `returns/records`
Dispute reporting	✔	Chargebacks

Signifyd returns its decision in the response, so the Fraud Check step completes straight away.

Decisions

Signifyd checkpoint action	Payrails decision
`ACCEPT`	`Allow`
`REJECT`	`Prevent`
`HOLD`	`Review`
`CREDIT`	`Review`
Any other	`NoDecision`

Before you begin

In the Payrails Portal, go to Settings → Integrations and select Add instance.
Select the workspaces where Signifyd should be available.
Select Fraud as the integration type, then Signifyd as the provider.
Enter your Signifyd credentials and save:

Field	Description
API Key	Your Signifyd API key. Use the key of your Signifyd sandbox team to test.
Team ID	Optional. Only needed when several Signifyd teams share your API key.

Pass the session ID from Signifyd’s device fingerprinting script in meta.risk.sessions.
Add a Fraud Check step with your Signifyd integration to your workflow. See Authorization with fraud screening.

Request fields for Signifyd

Send these fields in the authorize request, in addition to the standard authorize fields. Required fields must be present for the score to succeed. Payrails sends Optional fields to Signifyd when you include them.

Field	Status	Description
`merchantReference`	Required	Set on the execution. Sent to Signifyd as the order ID.
`amount`	Required	Sent to Signifyd as the purchase total and transaction amount.
`meta.order.lines`	Required	At least one line. Sent to Signifyd as products, with `id`, `name`, `quantity`, `unitPrice`, `categoryId`, `description`, `weight`, product links and whether the product is digital.
`meta.customer.email`	Optional	Needed to send the customer account to Signifyd. Sent as the account and confirmation email.
`meta.customer.name`	Optional	Sent to Signifyd as the account username. Payrails uses the email when it’s missing.
`meta.customer.reference`	Optional	Sent to Signifyd as the account ID and number.
`meta.customer.phone`	Optional	Sent to Signifyd as the account and confirmation phone.
`meta.customer.createdAt`, `meta.customer.updatedAt`	Optional	Sent to Signifyd as the account creation and last update dates.
`meta.customer.previousPurchaseCount`	Optional	Sent to Signifyd as the aggregate order count.
`meta.customer.previousOrders`	Optional	Payrails adds up the amounts and sends the total to Signifyd as the aggregate order value.
`meta.order.createdAt`	Optional	Sent to Signifyd as the purchase creation time. Payrails uses the execution creation time when it’s missing.
`meta.order.deliveryAddress`	Optional	Sent to Signifyd as the shipment destination. Payrails uses the billing address when it’s missing.
`meta.order.billingAddress`	Optional	Sent to Signifyd as the billing address of the payment.
`meta.order.fulfillmentMethod`	Optional	Sent to Signifyd as the shipment fulfilment method, for example `STANDARD_SHIPPING`. Left out for digital orders.
`meta.order.shipmentReference`	Optional	Sent to Signifyd as the shipment ID.
`meta.order.shipping`	Optional	Sent to Signifyd as the total shipping cost.
`meta.order.totalDiscount`	Optional	Sent to Signifyd as the discount amount.
`meta.clientContext.ipAddress`	Optional	Sent to Signifyd as the device IP address.
`meta.risk.sessions`	Optional	An entry with `provider` set to `signifyd` and the device session ID as `sessionId`. Payrails falls back to `meta.risk.sessionId` when there’s no Signifyd entry.
`meta.risk.skipFraudDecision`	Optional	Set it to `true` for an order you already trust. Payrails then sends the order to Signifyd for information only, with no fraud coverage, and Signifyd accepts it by policy.

Payrails sends the payment details from the instrument, such as the card BIN, last four digits, brand and expiry, or the bank account. For a post-authorization score, Payrails also sends the PSP reference as the transaction ID, the authorization result and the 3D Secure result.

Send order updates

Add a Fraud Update step after each lifecycle action and set its orderStatus. Payrails picks the Signifyd event from the status.

Payrails order status	Signifyd event	Status
`fullyShipped`, `fullyDelivered`	Fulfillment	`COMPLETE`
`partiallyShipped`, `partiallyDelivered`	Fulfillment	`PARTIAL`
`fullyReplaced`, `partiallyReplaced`	Fulfillment	`REPLACEMENT`
`merchantCancelled`, `customerCancelled`	Return record	`CANCELED`
`fullyReturned`, `partiallyReturned`	Return record	`REFUNDED`

Report disputes

Payrails reports each chargeback on an order to Signifyd, with its amount, reason and card network. Payrails reports fraud alerts and retrieval requests at the RETRIEVAL stage, and every other dispute at the CHARGEBACK stage.

Example authorize request

Authorize request

{
  "amount": { "value": "149.00", "currency": "EUR" },
  "paymentComposition": [
    {
      "integrationType": "api",
      "paymentMethodCode": "card",
      "amount": { "value": "149.00", "currency": "EUR" }
    }
  ],
  "meta": {
    "customer": {
      "reference": "customer-4410",
      "name": "Jonas Weber",
      "email": "jonas.weber@example.com",
      "createdAt": "2024-02-08T11:20:00Z"
    },
    "clientContext": {
      "ipAddress": "203.0.113.10"
    },
    "risk": {
      "sessions": [{ "provider": "signifyd", "sessionId": "5f2e9b7c-1d84-4a6e-b0c3-9e7a2d4f6c18" }]
    },
    "order": {
      "createdAt": "2026-10-05T09:00:00Z",
      "fulfillmentMethod": "STANDARD_SHIPPING",
      "lines": [
        {
          "id": "sku-3381",
          "name": "Leather backpack",
          "quantity": 1,
          "unitPrice": { "value": "149.00", "currency": "EUR" },
          "product": { "type": "physical" }
        }
      ],
      "deliveryAddress": {
        "name": "Jonas",
        "lastName": "Weber",
        "street": "Leopoldstraße",
        "doorNumber": "45",
        "city": "München",
        "postalCode": "80802",
        "country": { "code": "DE" }
      }
    }
  }
}

Getting Started

Payment Orchestration

Token Vault

Analytics & Reporting

Fraud Management

Chargebacks

Monitoring

Resources

Use Cases

Supported operations

Decisions

Before you begin

Request fields for Signifyd

Send order updates

Report disputes

Example authorize request

​Supported operations

​Decisions

​Before you begin

​Request fields for Signifyd

​Send order updates

​Report disputes

​Example authorize request

Supported operations

Decisions

Before you begin

Request fields for Signifyd

Send order updates

Report disputes

Example authorize request