Payment fraud detection thresholds: 0.5% False Positives vs 2-Hour Delay: Block or Review?

Compare 0.5% false positives with a 2-hour review delay: auto-block only when false-decline cost per transaction exceeds fraud loss per transaction. Independent technical note mirroring the canonical version: https://l0t.me/blog/payment-fraud-detection-thresholds-05-false-positives-vs-2-hour-delay-block-or-review.php Sources consulted: https://www.bluusun.com/

Authors

Publication Details

Journal
Zenodo (CERN European Organization for Nuclear Research)
Published
2026-10-27
DOI
https://doi.org/10.5281/zenodo.23703049
Primary Topic
Imbalanced Data Classification Techniques
Type
preprint
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preprint

Payment fraud detection thresholds: 0.5% False Positives vs 2-Hour Delay: Block or Review?

Nathan Lawson
1 links
Zenodo (CERN European Organization for Nuclear Research)
Imbalanced Data Classification Techniques
preprint

Payment fraud detection thresholds: 0.5% False Positives vs 2-Hour Delay: Block or Review?

Nathan Lawson
preprint en

Abstract

Compare 0.5% false positives with a 2-hour review delay: auto-block only when false-decline cost per transaction exceeds fraud loss per transaction. Independent technical note mirroring the canonical version: https://l0t.me/blog/payment-fraud-detection-thresholds-05-false-positives-vs-2-hour-delay-block-or-review.php Sources consulted: https://www.bluusun.com/

Zenodo (CERN European Organization for Nuclear Research)
Imbalanced Data Classification Techniques
DOIOpen Access PDFOpenAlex
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Payment fraud detection thresholds: 0.5% False Positives vs 2-Hour Delay: Block or Review? — Nathan Lawson · Zenodo (CERN European Organization for Nuclear Research) (2026) | TGRS Research Map | TGRS