TIS Fraud Score is a transaction safety rating designed to help travel agents make informed decisions about whether to approve, decline, or review a transaction. It does not guarantee a transaction is fraud-free, but it provides an AI-powered prediction based on millions of real-world transactions.
How TIS Fraud Score Works
TIS Fraud Score ranges from 0.1 (high risk) to 99.9 (very safe) and is similar to a grading scale:
90-99.9 (A) – Very safe – Multiple signs of a secure transaction
80-89.9 (B) – Safe – Some indicators of safety
70-79.9 (C) – Mixed – A blend of safe and risky indicators
60-69.9 (D) – Risky – Signs of potential fraud
0.1-59.9 (F) – High risk – Strong indicators of fraud
This score is based on advanced AI and machine learning that analyzes patterns, past fraud attempts, and real-time transaction data. It’s like having an experienced fraud analyst review each transaction—but automated and data-driven.
What TIS Fraud Score Does (and Doesn’t) Do
✅ Helps you assess risk based on transaction patterns
✅ Works as part of your fraud prevention strategy
✅ Allows you to set rules for automatic approvals, declines, or manual reviews
❌ Does NOT guarantee a transaction is safe or fraudulent
❌ Does NOT replace your judgment or fraud prevention measures
TIS Fraud Score is a tool, not a decision—you remain in control of how you handle each transaction.
Setting Up Fraud Rules with TIS Fraud Score
Since TIS Fraud Score is highly predictive, you can create fraud rules around it to minimize manual reviews. Many businesses set decline thresholds based on their risk tolerance. For example:
Desired Decline Rate | Suggested Fraud Rule |
5% | If Fraud Score < 61, decline |
4% | If Fraud Score < 49, decline |
3% | If Fraud Score < 37, decline |
2% | If Fraud Score < 25, decline |
1% | If Fraud Score < 13, decline |
These thresholds can be adjusted based on your company’s risk strategy and performance data.
What Happens if Your Fraud Score Trends Change?
If you notice more transactions with low Fraud Scores or fewer high Fraud Scores, it may indicate an increase in fraudulent activity. You can use this insight to adjust your fraud prevention settings or conduct further reviews.
Final Thoughts
Fraud Score is a powerful tool to help you make data-driven fraud decisions, but it should be used alongside your own best practices and fraud prevention strategies. No system can guarantee that fraud won’t occur, but Fraud Score provides an extra layer of intelligence to help you make informed choices.
Guidance for Travel Agents When Fraud Score is a "C" (70-79.9)
When a transaction receives a C rating on the Fraud Score, it means that the transaction has a mix of safe and risky indicators—not outright fraudulent, but worth a closer look.
To reduce the risk of chargebacks and fraudulent bookings, we recommend taking additional verification steps before finalizing the transaction.
Recommended Actions for "C" Rated Transactions:
Request additional verification from the customer:
A copy of the front and back of the credit card used for the transaction.
A government-issued photo ID that matches the name on the credit card.
Schedule a quick Zoom call or in-person meeting with the customer to verify their identity.
If the customer is legitimate, this step should be easy for them to comply with.
If they resist, it may be a red flag for potential fraud.
💡 Tip: When requesting these items, be professional and explain that this is a standard security measure for protecting both the client and your business. Below is an email template and talking script you can use to guide the conversation.
Email Template for Requesting Verification
Subject: Quick Security Verification for Your Travel Booking
Hi [Client’s Name],
Thank you for booking your trip with us! To ensure your transaction is processed securely, we kindly ask for a quick verification step. As part of our fraud prevention and security measures, we request:
1. A clear photo of the front and back of the credit card used for payment. (You may cover the first 12 digits of the card for security—only the last four digits should be visible.)
2. A photo of a government-issued ID matching the name on the card.
Additionally, we’d like to schedule a quick Zoom call (or in-person meeting, if convenient) to verify these details. This process is in place to protect our valued clients from unauthorized transactions and fraud.
Let us know a time that works for you, or feel free to reply with the requested images at your earliest convenience. If you have any questions, I’d be happy to chat.
Looking forward to finalizing your booking!
Talking Script for a Phone or Zoom Call
You:
"Hi [Client’s Name], I just wanted to touch base quickly regarding your booking. As part of our security and fraud prevention process, we sometimes request a quick verification step when transactions trigger a mix of risk and safety indicators.
To complete your booking, we’d just need:
1. A photo of the front and back of the credit card used (with the first 12 digits covered if you prefer).
2. A photo of a government-issued ID that matches the name on the card.
We also like to hop on a quick Zoom call just to confirm these details—it only takes a minute and helps protect both you and our agency from unauthorized transactions.
Would you be able to send those over and schedule a quick call at your convenience?"
Why This Extra Step is Important
Protects your business from fraudulent transactions and chargebacks.
Confirms the client's identity and ensures the cardholder is making the purchase.
Filters out potential scammers—legitimate customers will usually comply without issue.
By taking these extra precautions on "C" rated transactions, you’re adding a layer of protection for both your agency and your clients, ensuring a smoother, safer booking experience.