How to integrate FraudLabs Pro fraud detection with Stripe payment?

Description: This tutorial demonstrate you on how to integrate FraudLabs Pro fraud detection into Stripe payment.

PHP

Create a new table to store the transaction value of FraudLabs Pro and Stripe payment processing. This table will be used during the settlement, void or refund process.

CREATE TABLE `fraudlabs_pro` (
	`flp_transaction_id` CHAR(15) NOT NULL,
	`flp_status` VARCHAR(10) NOT NULL,
	`stripe_transaction_id` VARCHAR(30) NOT NULL
	PRIMARY KEY (`flp_transaction_id`)
)
COLLATE='utf8_general_ci'
ENGINE=MyISAM;

Download FraudLabs Pro PHP class from https://github.com/fraudlabspro/fraudlabspro-php/releases

Integrate FraudLabs Pro fraud detection logic with your Stripe code. This code will perform a simple validation check of one credit card purchase and perform the appropriate action based on the fraud validation result.

// Include FraudLabs Pro library
require_once 'PATH_TO_FRAUDLABSPRO/lib/FraudLabsPro.php';

// Include Stripe library
require_once 'PATH_TO_STRIPE/lib/Stripe.php';

Stripe::setApiKey('use_your_stripe_api_key');

FraudLabsPro\Configuration::apiKey('your_fraudlabspro_api_key');

// Check this transaction for possible fraud. FraudLabs Pro support comprehensive validation check,
// and for this example, we only perform the IP address, BIN and billing country validation.
// For complete validation, please check our developer page at http://www.fraudlabspro.com/developer
$orderDetails = [
	'order'		=> [
		'amount'	=> $_POST['amount'],
	],
	'billing'	=> [
		'country'	=> $_POST['country'],
	],
];

// Sends the order details to FraudLabs Pro
$fraudResult = FraudLabsPro\Order::validate($orderDetails);

// This transaction is legitimate, let's submit to Stripe
if($fraudResult->fraudlabspro_status == 'APPROVE'){
	try{
		$charge = Stripe_Charge::create(array(
			'amount' => $_POST['amount'] * 100, // amount in cents, again
			'currency' => 'usd',
			'card' => $_POST['stripeToken'],
			'description' => 'Payment for item XXX',
			'capture' => true
		));
	} catch(Stripe_CardError $e) {
		// The card has been declined
	}
}

// Transaction has been rejected by FraudLabs Pro based on your custom validation rules.
elseif($fraudResult->fraudlabspro_status == 'REJECT'){
	/*
	Do something here, try contact the customer for verification
	*/
}

// Transaction is marked for a manual review by FraudLabs Pro based on your custom validation rules.
elseif($fraudResult->fraudlabspro_status == 'REVIEW'){
	// Authorize this order with Stripe first
	try{
		$charge = Stripe_Charge::create(array(
			'amount' => 1000, // amount in cents, again
			'currency' => 'usd',
			'card' => $_POST['stripeToken'],
			'description' => 'Payment for item XXX',
			'capture' => false
		));

		try{
			// Initial MySQL connection
			$db = new PDO('mysql:host=your_database_host;dbname=your_database_name;charset=utf8', 'your_database_user', 'your_database_password');
			$db->setAttribute(PDO::ATTR_ERRMODE, PDO::ERRMODE_EXCEPTION);

			// Store the transaction information for decision making
			$st = $db->prepare('INSERT INTO `fraudlabs_pro` VALUES (:flpId, :flpStatus, :stripeId)');
			$st->execute(array(
				':flpId'=>$fraudResult->fraudlabspro_id,
				':flpStatus'=>$fraudResult->fraudlabspro_status,
				':stripeId'=>$charge->id
			));
		}
		catch(PDOException $e){
			// MySQL error
			die($e->getFile() . ':' . $e->getLine() . ' ' . $e->getMessage());
		}
	} catch(Stripe_CardError $e) {
		// The card has been declined
	}
}

Now, we are going to create a callback page to receive the review action, APPROVE or REJECT, performed by the merchant.

Note: You need to configure the callback URL at the FraudLabs Pro merchant area->settings page. It has to be pointed to the location where you hosted this “fraudlabspro-callback.php” file. Below is the sample code for fraudlabspro-callback.php

$id = (isset($_POST['id'])) ? $_POST['id'] : '';
$action = (isset($_POST['action'])) ? $_POST['action'] : '';

if($id && in_array($action, array('APPROVE', 'REJECT'))){
	try{
		// Initial MySQL connection
		$db = new PDO('mysql:host=your_database_host;dbname=your_database_name;charset=utf8', 'your_database_user', 'your_database_password');
		$db->setAttribute(PDO::ATTR_ERRMODE, PDO::ERRMODE_EXCEPTION);

		// Get the Stripe Transaction ID
		$st = $db->prepare('SELECT * FROM `fraudlabs_pro` WHERE `flp_transaction_id`=:flpId AND `flp_status`=\'REVIEW\'');
		$st->execute(array(
			':flpId'=>$id
		));

		if($st->rowCount() == 1){
			$row = $st->fetch(PDO::FETCH_ASSOC);

			require_once 'PATH_TO_STRIPE/lib/Stripe.php';

			Stripe::setApiKey('use_your_stripe_api_key');

			if($action == 'REJECT'){
				// Merchant rejected the order. Refund the transaction in Stripe
				$ch = Stripe_Charge::retrieve($row['stripe_transaction_id']);
				$ch->refund();
			}
			else{
				// Merchant approved the order. Catpure the transaction in Stripe
				$ch = Stripe_Charge::retrieve($row['stripe_transaction_id']);
				$ch->capture();
			}

			// Update database
			$st = $db->prepare('UPDATE `fraudlabs_pro` SET `flp_status`=:action WHERE `flp_transaction_id`=:flpId');
			$st->execute(array(
				':flpId'=>$id,
				':action'=>$action
			));
		}
	}
	catch(PDOException $e){
		// MySQL error
		die($e->getFile() . ':' . $e->getLine() . ' ' . $e->getMessage());
	}
}

If there is a need to issue a refund of a settled transaction, below is the sample code of how to accomplish it.

try{
	// Initial MySQL connection
	$db = new PDO('mysql:host=your_database_host;dbname=your_database_name;charset=utf8', 'your_database_user', 'your_database_password');
	$db->setAttribute(PDO::ATTR_ERRMODE, PDO::ERRMODE_EXCEPTION);

	// Get the Stripe transaction ID based on the FraudLabs Pro ID
	$st = $db->prepare('SELECT * FROM `fraudlabs_pro` WHERE `flp_transaction_id`=:flpId');
	$st->execute(array(
		':flpId'=>$_POST['flpId']
	));

	if($st->rowCount() == 1){
		$row = $st->fetch(PDO::FETCH_ASSOC);

		require_once 'PATH_TO_STRIPE/lib/Stripe.php';

		Stripe::setApiKey('use_your_stripe_api_key');

		$ch = Stripe_Charge::retrieve($row['stripe_transaction_id']);
		$ch->refund();

		// Update database
		$st = $db->prepare('UPDATE `fraudlabs_pro` SET `flp_status`=\'REFUNDED\' WHERE `flp_transaction_id`=:flpId');
		$st->execute(array(
			':flpId'=>$_POST['flpId']
		));
	}
}
catch(PDOException $e){
	// MySQL error
	die($e->getFile() . ':' . $e->getLine() . ' ' . $e->getMessage());
}

 

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