# Improve payment request data quality

When you [create a payment request](https://api-reference.checkout.com/tag/Payments/#operation/requestAPaymentOrPayout), you must include all required API fields for the request to be valid.

However, including certain optional payment and authentication fields can help better identify fraudulent transactions and reduce false declines.

---

## 3D Secure authenticated payments

Providing additional authentication data helps identify recent account or password changes, which may indicate increased fraud risk.

If your payment request has `3ds.enabled` set to `true`, we recommend that you always also include the following fields:

**Recommended fields**

- `3ds.account_info.account_age`
- `3ds.account_info.account_change`
- `3ds.account_info.account_password_change`

**Sample request**

```json
{
  "source": {
    "type": "token",
    "token": "tok_4gzeau5o2uqubbk6fufs3m7p54",
    "billing_address": {
      "address_line1": "123 High St.",
      "address_line2": "Flat 456",
      "city": "Leeds",
      "state": "GB",
      "zip": "LS1 1BA",
      "country": "GB"
    },
    "account_holder": {
      "type": "individual",
      "first_name": "Toby",
      "last_name": "Arden"
    }
  },
  "amount": 30,
  "currency": "GBP",
  "payment_type": "Recurring",
  "reference": "ORD-5023-4E89",
  "description": "Set of 3 masks",
  "capture": true,
  "capture_on": "2024-09-10T10:11:12Z",
  "customer": {
    "id": "cus_udst2tfldj6upmye2reztkmm4i",
    "email": "toby.arden@example.com",
    "name": "Toby Arden",
    "phone": {
      "country_code": "+44",
      "number": "496 0999"
    }
  },
  "billing_descriptor": {
    "name": "Withdrawal",
    "city": "Leeds"
  },
  "shipping": {
    "address": {
      "address_line1": "Checkout.com",
      "address_line2": "Flat 456",
      "city": "Leeds",
      "state": "GB",
      "zip": "LS1 1BA",
      "country": "GB"
    },
    "phone": {
      "country_code": "+44",
      "number": "496 0999"
    }
  },
  "3ds": {
    "enabled": true,
    "attempt_n3d": true,
    "eci": "05",
    "cryptogram": "AgAAAAAAAIR8CQrXcIhbQAAAAAA=",
    "xid": "MDAwMDAwMDAwMDAwMDAwMzIyNzY=",
    "version": "2.0.1",
    "account_info": {
      "account_age": "more_than_sixty_days",
      "account_change": "2024-07-10T10:11:12Z",
      "account_password_change": "2024-01-15T10:11:12Z"
    }
  },
  "previous_payment_id": "pay_fun26akvvjjerahhctaq2uzhu4",
  "risk": {
    "enabled": false
  },
  "success_url": "https://example.com/payments/success",
  "failure_url": "https://example.com/payments/fail",
  "payment_ip": "90.197.169.245",
  "recipient": {
    "dob": "1985-05-15",
    "account_number": "5555554444",
    "zip": "LS1 1BA",
    "last_name": "Arden"
  },
  "metadata": {
    "coupon_code": "NY2024",
    "partner_id": 123989
  },
  "segment": {
    "brand": "Acme Corporation",
    "business_category": "Inward Payment",
    "market": "UK"
  }
}
```

---

## Cardholder-initiated transactions

Providing additional customer data for cardholder-initiated transactions (CITs) may improve your acceptance rate.
It also helps issuer and Checkout.com fraud prevention systems verify the transaction's legitimacy, and reduces the likelihood of false declines.

> **Information**
>
> We recommend integrating with our [Risk SDK](https://www.checkout.com/docs/business-operations/prevent-fraud/integrate-with-risk-sdk.md) for CITs.
> The SDK captures device data that helps identify potentially fraudulent transactions.

If your payment request has `source.type` set to one of the following:

- `ach`
- `card`
- `customer`
- `id`
- `network_token`
- `token`

Then we recommend also including the following fields:

**Recommended fields**

- `source.billing_address`
- `source.account_holder.first_name`
- `source.account_holder.last_name`
- `customer.name`
- `customer.email`
- `payment_ip` – if `payment_type` is not set to `MOTO`
- `shipping.address` – if you're shipping goods

**Sample request**

```json

{
  "source": {
    "type": "token",
    "token": "tok_4gzeau5o2uqubbk6fufs3m7p54",
    "billing_address": {
      "address_line1": "123 High St.",
      "address_line2": "Flat 456",
      "city": "Leeds",
      "state": "GB",
      "zip": "LS1 1BA",
      "country": "GB"
    },
    "account_holder": {
      "type": "individual",
      "first_name": "Toby",
      "last_name": "Arden"
    }
  },
  "amount": 30,
  "currency": "GBP",
  "payment_type": "Recurring",
  "reference": "ORD-5023-4E89",
  "description": "Set of 3 masks",
  "capture": true,
  "capture_on": "2024-09-10T10:11:12Z",
  "customer": {
    "id": "cus_udst2tfldj6upmye2reztkmm4i",
    "email": "toby.arden@example.com",
    "name": "Toby Arden",
    "phone": {
      "country_code": "+44",
      "number": "496 0999"
    }
  },
  "billing_descriptor": {
    "name": "Withdrawal",
    "city": "Leeds"
  },
  "shipping": {
    "address": {
      "address_line1": "Checkout.com",
      "address_line2": "Flat 456",
      "city": "Leeds",
      "state": "GB",
      "zip": "LS1 1BA",
      "country": "GB"
    },
    "phone": {
      "country_code": "+44",
      "number": "496 0999"
    }
  },
  "3ds": {
    "enabled": false
  },
  "previous_payment_id": "pay_fun26akvvjjerahhctaq2uzhu4",
  "risk": {
    "enabled": false
  },
  "success_url": "https://example.com/payments/success",
  "failure_url": "https://example.com/payments/fail",
  "payment_ip": "90.197.169.245",
  "recipient": {
    "dob": "1985-05-15",
    "account_number": "5555554444",
    "zip": "LS1 1BA",
    "last_name": "Arden"
  },
  "metadata": {
    "coupon_code": "NY2024",
    "partner_id": 123989
  },
  "segment": {
    "brand": "Acme Corporation",
    "business_category": "Inward Payment",
    "market": "UK"
  }
}

```

---

## MOTO transactions

Providing additional customer data for Mail Order/Telephone Order (MOTO) transactions helps issuer and Checkout.com fraud prevention systems verify the transaction's legitimacy.
This can reduce the likelihood of false declines.

If your MOTO payment request has `source.type` set to one of the following:

- `ach`
- `card`
- `customer`
- `id`
- `network_token`
- `token`

Then we recommend also including the following fields:

**Recommended fields**

- `customer.phone`
- `shipping.address`

**Sample request**

```json

{
  "source": {
    "type": "token",
    "token": "tok_4gzeau5o2uqubbk6fufs3m7p54",
    "billing_address": {
      "address_line1": "123 High St.",
      "address_line2": "Flat 456",
      "city": "Leeds",
      "state": "GB",
      "zip": "LS1 1BA",
      "country": "GB"
    }
  },
  "amount": 30,
  "currency": "GBP",
  "payment_type": "Recurring",
  "reference": "ORD-5023-4E89",
  "description": "Set of 3 masks",
  "capture": true,
  "capture_on": "2024-09-10T10:11:12Z",
  "customer": {
    "id": "cus_udst2tfldj6upmye2reztkmm4i",
    "email": "toby.arden@example.com",
    "name": "Toby Arden",
    "phone": {
      "country_code": "+44",
      "number": "496 0999"
    }
  },
  "billing_descriptor": {
    "name": "Withdrawal",
    "city": "Leeds"
  },
  "shipping": {
    "address": {
      "address_line1": "Checkout.com",
      "address_line2": "Flat 456",
      "city": "Leeds",
      "state": "GB",
      "zip": "LS1 1BA",
      "country": "GB"
    },
    "phone": {
      "country_code": "+44",
      "number": "496 0999"
    }
  },
  "3ds": {
    "enabled": false
  },
  "previous_payment_id": "pay_fun26akvvjjerahhctaq2uzhu4",
  "risk": {
    "enabled": false
  },
  "success_url": "https://example.com/payments/success",
  "failure_url": "https://example.com/payments/fail",
  "payment_ip": "90.197.169.245",
  "recipient": {
    "dob": "1985-05-15",
    "account_number": "5555554444",
    "zip": "LS1 1BA",
    "last_name": "Arden"
  },
  "metadata": {
    "coupon_code": "NY2024",
    "partner_id": 123989
  },
  "segment": {
    "brand": "Acme Corporation",
    "business_category": "Inward Payment",
    "market": "UK"
  }
}

```