# Signifyd

Signifyd connects to Hyperswitch as a `FraudAndRiskManagementProvider`. It provides AI-driven commerce protection with guaranteed fraud liability coverage — Signifyd takes on chargeback liability for orders it approves. Signifyd is not a payment processor; it evaluates orders independently of payment authorization.

### Authentication

Signifyd uses `HeaderKey` authentication — a single API key sent as a Bearer token on every request.

| Credential  | Description                                                                                 |
| ----------- | ------------------------------------------------------------------------------------------- |
| **API Key** | Bearer token issued by Signifyd. Found in your Signifyd merchant portal under API settings. |

### FRM Flows

Signifyd participates in the following Hyperswitch FRM flows:

| Flow             | Description                                                                    |
| ---------------- | ------------------------------------------------------------------------------ |
| **Sale**         | Pre-authorization fraud check on the payment attempt                           |
| **Checkout**     | Fraud evaluation at checkout, before payment is submitted                      |
| **Transaction**  | Post-authorization evaluation of a completed transaction                       |
| **Fulfillment**  | Signal to Signifyd that an order has been fulfilled (triggers liability shift) |
| **RecordReturn** | Notify Signifyd of a return or refund on a previously approved order           |

### Webhook Events

Signifyd sends decision updates via webhook. Hyperswitch handles HMAC-SHA256 signature verification using the API key.

### Common Failure Modes

**Decision not returned** Symptom: FRM evaluation times out or returns no decision. Fix: Check Signifyd's merchant portal for order status. Ensure the order details (email, address, line items) are complete — incomplete orders are often held or declined by Signifyd.

**Liability shift not applied** Symptom: Signifyd approves the order but chargeback liability is not shifted. Fix: Verify the Fulfillment flow is being called after shipment. Liability shift typically requires a fulfillment signal.

***

### Activating Signifyd via Hyperswitch

#### Prerequisites

1. A registered Signifyd merchant account. Contact [signifyd.com](https://www.signifyd.com/) for onboarding.
2. A registered Hyperswitch account, accessible from the [Hyperswitch control center](https://app.hyperswitch.io/).
3. API Key from the Signifyd merchant portal.

[Steps to activate a connector on the Hyperswitch control center](/integrations/connectors-integrations/activate-connector-on-hyperswitch.md)

***

Connector implementation: `crates/hyperswitch_connectors/src/connectors/signifyd.rs`.


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