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PayNext SDK automatically collects browser and device information during checkout. This data is stored in metadata.fingerprint and can be forwarded to processors, fraud providers, or used in custom workflows.

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Why Use Fingerprinting

  • Fraud prevention — Share device data with processors to prevent fraudulent transactions
  • Dispute protection — Provide evidence for Visa Order Insights/Consumer Clarity (OI/CE 3.0) and Mastercard Consumer Clarity programs
  • Transaction enrichment — Enhance authorization requests with device data to improve acceptance rates
  • Chargeback defense — Document customer device and location data to fight fraudulent disputes

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Collected Fields

Each client session automatically captures:
FieldDescriptionExample
fingerprint.ipCustomer IP address203.0.113.42
fingerprint.countryCountry code (ISO 3166-1 alpha-2)US
fingerprint.cityCity nameSeattle
fingerprint.latitudeGeographic latitude47.6062
fingerprint.longitudeGeographic longitude-122.3321
fingerprint.timezoneIANA timezoneAmerica/Los_Angeles
fingerprint.postal_codePostal/ZIP code98101
fingerprint.country_region_codeState/region codeWA
fingerprint.country_region_nameState/region nameWashington
fingerprint.user_agentBrowser user agent stringMozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7)...
fingerprint.accept_languageBrowser language preferencesen-US,en;q=0.9
Fingerprint data is derived from the customer’s browser at checkout time. IP geolocation accuracy varies by region.

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Example Fingerprint Object

{
  "metadata": {
    "fingerprint": {
      "ip": "203.0.113.42",
      "country": "US",
      "city": "Seattle",
      "latitude": "47.6062",
      "longitude": "-122.3321",
      "timezone": "America/Los_Angeles",
      "postal_code": "98101",
      "country_region_code": "WA",
      "country_region_name": "Washington",
      "user_agent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/605.1.15 (KHTML, like Gecko) Version/18.0 Safari/605.1.15",
      "accept_language": "en-US,en;q=0.9"
    }
  }
}

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Use Cases

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Forward to Payment Processors

Use Metadata Mapping to forward fingerprint fields to your payment processor. Map fields like fingerprint.ip to the corresponding processor field for enhanced fraud scoring.

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Visa OI/CE 3.0 & Mastercard Consumer Clarity

Transaction enrichment programs use device and location data to reduce chargebacks. When a cardholder disputes a transaction, the card network shows them:
  • Device type and browser used
  • Geographic location at purchase time
  • IP address
This helps cardholders recognize legitimate purchases, reducing friendly fraud disputes.

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Chargeback Evidence

When responding to disputes, include fingerprint data as evidence:
  • IP address — Shows customer’s network location
  • Geolocation — Matches shipping address or known customer location
  • User agent — Identifies device type (mobile, desktop)
  • Timezone — Correlates with customer’s expected location
Fingerprint data is read-only and available on payment and customer objects. The SDK populates it automatically—don’t overwrite the fingerprint namespace.