Mastercard Expert Monitoring Solutions
This section shows you how to obtain the transaction fraud score assigned by Mastercard Expert Monitoring Solutions (EMS). This feature is supported only for .
Supported Processor
Prerequisite
Contact customer support to enable Mastercard Expert Monitoring Solutions for your account.
Endpoints
POST /pts/v2/payments
POST /pts/v2/payments
POST /pts/v2/payments
Example
The processorInformation.emsTransactionRiskScore response field contains the fraud score returned by Mastercard Expert Monitoring Solutions. In this example, the fraud score indicates a high likelihood (field value 843) of suspicious service station activity (field value 09).
{ "orderInformation": { "billTo": { "country": "US", "lastName": "Kim", "address1": "201 S. Division St.", "postalCode": "48104-2201", "locality": "Ann Arbor", "administrativeArea": "MI", "firstName": "Kyong-Jin", "email": "" }, "amountDetails": { "totalAmount": "100.00", "currency": "usd" } }, "paymentInformation": { "card": { "number": "555555555555xxxx", "expirationYear": "2030", "expirationMonth": "12", "type": "002" } }}{ "_links" : { "authReversal" : { "method" : "POST", "href" : "/pts/v2/payments/6461731521426399003473/reversals" }, "self" : { "method" : "GET", "href" : "/pts/v2/payments/6461731521426399003473" }, "capture" : { "method" : "POST", "href" : "/pts/v2/payments/6461731521426399003473/captures" } }, "clientReferenceInformation" : { "code" : "1646173152047" }, "id" : "6461731521426399003473", "orderInformation" : { "amountDetails" : { "authorizedAmount" : "100.00", "currency" : "usd" } }, "paymentAccountInformation" : { "card" : { "type" : "002" } }, "paymentInformation" : { "tokenizedCard" : { "type" : "002" }, "card" : { "type" : "002" } }, "paymentInsightsInformation" : { "responseInsights" : { "categoryCode" : "01" } }, "processorInformation" : { "emsTransactionRiskScore": "84309", "systemTraceAuditNumber" : "862481", "approvalCode" : "831000", "merchantAdvice" : { "code" : "01", "codeRaw" : "M001" }, "responseDetails" : "ABC", "networkTransactionId" : "016153570198200", "consumerAuthenticationResponse" : { "code" : "2", "codeRaw" : "2" }, "transactionId" : "016153570198200", "responseCode" : "00", "avs" : { "code" : "Y", "codeRaw" : "Y" } }, "reconciliationId" : "6461731521426399003473", "status" : "AUTHORIZED", "submitTimeUtc" : "2026-06-09T22:19:12Z"}Required Fields
Use these required fields to process an authorization using Mastercard Expert Monitoring Solutions.
| Field | Description |
|---|---|
orderInformation. | — |
orderInformation. | — |
orderInformation. | — |
orderInformation. | — |
orderInformation. | — |
orderInformation. | — |
orderInformation. | — |
orderInformation. | — |
orderInformation. | — |
orderInformation. | — |
paymentInformation. | — |
paymentInformation. | — |
paymentInformation. | — |
Response Field
This field can be returned in a response to an authorization using Mastercard Expert Monitoring Solutions:
processorInformation.emsTransactionRiskScore: fraud score for a Mastercard transaction.
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Last published: October 28, 2026