Transaction Lists: Blacklist, Whitelist & Loyalty
Give your merchants full control over who can and can't transact. Manage blacklists, whitelists, and loyalty lists across 20+ attributes — all built into your white label payment gateway.
Three List Types — Complete Control
Each list type serves a different purpose in your fraud management strategy. All three work together with the real-time fraud protection filters.
Blacklists
Block transactions matching specific attributes. When a card, IP, email, or device fingerprint matches a blacklist entry, the transaction is marked as "Filtered" with a documented reason. Supports 20+ attribute types including combined criteria (email+card, phone+card).
Whitelists
Skip additional fraud checks for trusted customers. When a card number or customer DNA matches a whitelist, third-party fraud control checks are excluded. Supports monthly amount limits per whitelisted entry to maintain a layer of protection even for trusted customers.
Loyalty Lists
Restrict processing to a predefined set of trusted customers. Any transaction attribute that doesn't match the loyalty list is automatically filtered. Ideal for merchants with subscription models, closed communities, or invite-only platforms.
20+ Supported Attributes
Filter and control transactions across every meaningful data point:
Card & Payment Data
- Card numbers (6+4 format for security)
- BIN ranges and card country
- Card type (prepaid, corporate, reward)
- Source and destination cards
Customer & Network Data
- IP addresses and email domains
- Phone numbers and customer DNA
- Device fingerprints
- Combined criteria (email+card, phone+card)
- Billing country
Management Features
Bulk Import & Export
Import thousands of entries via CSV files. Export lists with parsed data — card numbers displayed in secure 6+4 format. Move lists between projects or back up configurations instantly.
Role-Based Access
Different user roles access different list types. Managers control gate and processor-level lists; merchants manage project-level entries. Synchronized lists apply across multiple merchant projects.
Transaction-Level Actions
Add entries directly from transaction detail pages. Select merchant or manager scope, choose the list type, and pick specific attributes — with automatic transaction ID comments for audit trails.
Cross-Project Sync
Synchronize lists between merchant and gate levels. When activated, filter effects combine across all synchronized lists — merchants see only their own entries, maintaining data isolation.
Part of the White Label Payment Gateway
BWL management integrates seamlessly with your branded gateway:
Fraud Protection Filters
BWL checks are one of 150+ filters in the fraud protection system. Blacklist matches contribute to the real-time fraud score alongside velocity and consistency checks.
White Label Gateway
Every list management interface carries your brand. Merchants manage their blacklists, whitelists, and loyalty lists through your branded dashboard.
Marketplace Payments
Each marketplace seller gets independent list management. Block bad actors per seller without affecting the entire platform.
Risk Management
BWL is a core component of the risk management toolkit, working alongside smart routing and payment orchestration.
Your Gateway, Your Rules
Full BWL management is included in every white label payment gateway deployment.
No add-ons, no per-list fees — complete transaction control from day one.
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Frequently Asked Questions
What are transaction blacklists and whitelists in a payment gateway?
Blacklists block transactions matching specific attributes (cards, IPs, emails, device fingerprints). Whitelists bypass additional fraud checks for trusted customers. Together with loyalty lists, they give merchants granular control over who can transact through their white label payment gateway.
What attributes can be added to transaction lists?
Over 20 attributes: card numbers (6+4 format), BINs, card types, card countries, IP addresses, email addresses, email domains, phone numbers, customer DNA, device fingerprints, billing countries, and combined criteria like email+card or phone+card combinations.
Can merchants manage their own blacklists?
Yes. Each merchant manages their own lists with role-based access. They can add entries manually, bulk import via CSV, export, and add entries directly from transaction pages. Manager-level lists can be synchronized across projects.
How do loyalty lists work?
Loyalty lists restrict processing to a predefined set of trusted customers. Any transaction attribute that doesn't match is automatically filtered — ideal for subscription models and invite-only platforms.
Is BWL management included in the white label payment gateway?
Yes. The complete BWL system is a built-in component of Payneteasy's white label payment gateway. It integrates with the real-time fraud protection filters and requires no separate setup or licensing.