Overview
The Velocity Checking (VC) system is designed to alert the Merchant when a certain number of transactions of a certain type reached a specified threshold. Below shows the fields that appear when you want to create a new VC Rule:
VC Rules Lookup
VC Rule: This allows you to search for a specific Rule by ID or Rule Name.
VC Rule Creator
Rule Identity
Rule Name (Optional): This gives you the option to give the new VC Rule a specific name. The default is automatically generated and can be changed.
Description (Optional): The description field can be used for further information (e.g. logging who created the check, etc).
Rule Type
Type:
Count of Transactions - This type of rule counts the number of matching transactions received within the given time frame and triggers if the count exceeds the specified threshold.
Value of Transactions - This type of rule totals the amounts of all matching transactions received within the given time frame and triggers if the total exceeds the specified threshold. The currency requirement can be set to limit the rule to a particular currency. If not limited, then the minor monetary value is added regardless of currency, so £10.00 + $10.00 would sum to 2000 monetary units.
Min. Value per Transaction - This type of rule checks the amount of each matching transaction and triggers if the total amount is below the specified threshold. No time-frame or transaction grouping will be used by this type of rule.
Max. Value per Transaction - This type of rule checks the amount of each matching transaction and triggers if the total exceeds the specified threshold. No time-frame or transaction grouping will be used by this type of rule.
Threshold (Required): The amount the VC Rule should be limited/set to. The threshold should be provided in minor monetary units (i.e. no decimal points) e.g. £10.00 = 1000
Time-frame (Required): The time-frame is the length of time which the rule is checked. E.g. 1 day or 2 hours. The minimum is 5 minutes and the maximum is 31 days.
Rule Requirements
Merchant Account (Optional): This specifies the Merchant Account you wish to set the VC Rule up on. If <Any Merchant> is chosen, this will set the VC Rule up on all Merchant Accounts under the Customer account.
Transaction Currency (Optional): This specifies the currency requirement which allows you to limit the rule to a particular currency (e.g. GBP or EUR). If <Any Currency> is chosen, this will set the VC Rule for all currencies under the Merchant Account/s.
Transaction Purpose (Optional): This allows you to limit the VC Rules to a particular transaction type (e.g. SALE, REFUND or VERIFY). If <Any Purpose> is chosen, this will set the VC Rule for all transaction types being processed on the Merchant Account/s.
Transaction Outcome (Optional): This allows you to limit the VC Rules to a particular transaction state (e.g. ACCEPTED or DECLINED). If <Any Outcome> is chosen, this will set the VC Rule for all transaction states being returned on the Merchant Account/s.
Show Payment Criteria
Select to display payment card criteria fields. You may specify multiple values for each card criteria, but all criteria must match the transaction and therefore conflicting criteria should be avoided.
(For example, requiring a Card Class of 'debit' only and Card Type of 'Visa Credit' only results in conflicting criteria which can never match.)
Card Markets (Optional): Choose from Corporate or Consumer.
Card Classes (Optional): Choose from Credit, Debit and Prepaid.
Card Types (Optional): Select the required card types from the dropdown list.
Card Issuing Countries (Optional): Select the required card issuing countries from the dropdown list.
Rule Transaction Grouping
Grouping Properties (Optional): This specifies the properties that are used to group the transactions.
Merchant – per Merchant Account
Currency – per Currency
Purpose – per Sale/Refund/Verify
Outcome – per Successful/Failed Transaction
Card Number – per Card Number
Customer’s IP Address - per Customer IP Address
Customer’s Email – per Customer Email Address
Merchants Customer Reference – per Merchants Customer Ref
For example; to limit transactions on a per Card Number basis add the Card Number property to the grouping.
Rule Actions
Send E-mail (Optional): If the threshold is exceeded a notification e-mail will be sent to this address. Multiple e-mail addresses can be entered however they need to be comma separated.
Decline Transaction (Optional)*: If the threshold is exceeded a declined message will be returned to the Customer/you.
Once ‘Setup Rule' has been clicked, the VC Rule will be activated and put in place.
* If ‘Decline Transaction’ is chosen an error message of ‘VCS Decline’ will be shown.
Updated April 2026.
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