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The table below provides guidelines for interpreting the Persona Score. These guidelines are based on analysis across Kount’s entire merchant base. Actual results for a merchant can vary depending on unique characteristics of the integration with Kount and the merchant’s business model. Please contact your Client Success Representative for assistance.
Persona Score | Risk Level | Description |
0-40 | Low Risk | Small Persona, few if any risk factors |
41-70 | Medium Risk | Some risk factors present in Persona |
71-99 | High Risk | Large Persona and/or significant risk factors |
Omniscore Overview
7 months ago
Updated
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Designed to make good decisions more intuitive, the Omniscore can be likened to U.S. academic letter grades that range from F to A. Most transactions will rate in the 80s and 90s (Bs and As). Transactions with issues will rate in the 60s to 70s (Ds and Cs). The riskiest transactions rate below 60 (F).
Omniscore | Grade | Description |
90 – 99.9 | A | Very safe, multiple indicators of safety found |
80 – 89.9 | B | Indicators of safety found |
70 – 79.9> | C | Typically a mix of safe and risky indicators |
60 – 69.9 | D | Indicators of risk found |
0.1 – 59.9 | F | Very risky, significant indicators of risk found |
It is important to note that Omniscore is not a decision. It is a prediction of safety that is used by customers to decision a transaction (either automatically via creating a rule or manually while under review).
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A suggested rule is to determine the decisioning threshold (at what value the Omniscore is set) based on the decline rate your expected fraud rate:
Desired Decline Rate | Omniscore Fraud Rule |
5% | If Omniscore < 61 Decline |
4% | If Omniscore < 49 Decline |
3% | If Omniscore < 37 Decline |
2% | If Omniscore < 25 Decline |
1% | If Omniscore < 13 Decline |
The decisioning threshold can be adjusted after analyzing decline and chargeback rates, and any other measures of performance important to the merchant.
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