# **ARC Verification & FPA**

# Current State

* Vault all transactions
* Verification is performed on all Card transactions
* FPA rules


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# **Option 1**

* Turn off verification
* Pros
* The easiest solution
* Cons
* Add logic for different payment flows for Store in Vault on success (pass in the flag)


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**Turn off Verification:**
- [ ] Login as admin
- [ ] Click on setting icon (cog logo)
- [ ] Click Processing from the dropdown
- [ ] Click toggle next Card Verification under Vaulting section

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# **Option 2**

* Skip FPA
* Potential use case for known large donor
* [Skip FPA docs](https://developer.paypal.com/braintree/docs/reference/request/payment-method/create/ruby#options-skip_advanced_fraud_checking)
* Example:

            result = gateway.payment_method.create({
            "customer_id": "12345",
            "payment_method_nonce": nonce_from_the_client,
            "options": {
                "skip_advanced_fraud_checking": True
                }
            })

* Pros
    * Quick way to cut down on FPA declines 
    * Vault verifications will still occur
* Cons
    * Could allow more fraudulent payments
    * Could increase Chargebacks
    * Proceed with caution

![Screenshot 2023-12-04 at 2.50.41 PM](https://hackmd.io/_uploads/HJ4Q6pjH6.png)



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# **Option 3**

* Move to One-time Checkout
* [Store in vault with success](https://developer.paypal.com/braintree/docs/reference/request/transaction/sale/python#options-store_in_vault)
    * Example:

"amount": "10.00",
"payment_method_nonce": nonce_from_the_client,
"device_data": device_data_from_the_client,
"options": {
"submit_for_settlement": True
//false will create auth that will need to be settled via API
}
})

* Pros
* Would skip the verification when needed. Verification is set at the GW level so this would be a good option when Vaulting is not necessary.
* FPA would be invoked
* Cons
* Requires some additional logic development on ARC side
* One-time Payments would not be Vaulted