Embedded Stripe Managed Risk
Embed Stripe risk management features into your own website.
With Stripe Managed Risk, we provide an end-to-end business risk management solution and your platform isn’t liable for your connected accounts’ negative balances. For connected accounts without access to a Stripe-hosted dashboard, Stripe Managed Risk requires your website to include the following embedded components:
- Account onboarding
- Account management
- Notification banner
Through those embedded components, Stripe provides:
- Ongoing monitoring and detection of connected accounts’ credit, fraud, and supportability risk
- Risk interventions to ensure business supportability and prevent losses
- Co-branded emails and embedded notifications to inform businesses of interventions
- Embedded forms to respond to and remediate interventions
- Stripe risk operations to review merchant information and make risk decisions
- Stripe liability for connected account negative balances
Risk interventions![](https://b.stripecdn.com/docs-statics-srv/assets/fcc3a1c24df6fcffface6110ca4963de.svg)
With Stripe Managed Risk, Stripe takes the following actions throughout a connected account’s operations:
- Verifies the information collected during onboarding
- Evaluates ongoing fraud risk
- Monitors compliance
When Stripe detects elevated risk or non-compliance, we raise a risk review or apply a risk intervention, which is an action taken to mitigate losses, such as:
- Pausing payouts or charges
- Holding reserves
- Prohibiting the account from using payment processing services
While some high-priority interventions have consequences that take effect immediately, most interventions notify connected accounts with a deadline to respond before their business is disrupted. Connected accounts are responsible for promptly reviewing and responding to interventions.
Emails![](https://b.stripecdn.com/docs-statics-srv/assets/fcc3a1c24df6fcffface6110ca4963de.svg)
When Stripe raises a risk intervention, we email the connected account to notify them of the issue. The email provides high-level guidance on:
- What the business must do to resolve the issue
- By when the business must address the issue
- Consequences to the business if no action is taken
Risk intervention emails might include links to more information about a particular topic, such as restricted business lists or how card brand monitoring programmes work. Emails might also include links to details about activity on the connected account, like disputed payments or reserve balances.
Emails sent to fully embedded connected accounts include:
- Co-branding
- A primary button that takes users to the embedded notification banner (as configured in your Connect Emails)
- Links leading to the co-branded support site (see Support) and your embedded components
The following example shows a fully embedded risk intervention email:
![Sample risk intervention email from the Furever demo.](https://b.stripecdn.com/docs-statics-srv/assets/embedded-managed-risk-email.0084c37ff7da0310d58aabebd565d2e5.png)
Notification banner![](https://b.stripecdn.com/docs-statics-srv/assets/fcc3a1c24df6fcffface6110ca4963de.svg)
In addition to notifying connected accounts about risk interventions through email, Stripe also renders alerts via the notification banner component. The notification banner only appears when there are active notifications.
The notification banner provides high level guidance on:
- What the business must do to resolve the issue
- By when the business must address the issue
- Consequences to the business if no action is taken
![Sample embedded risk notification banner from the Furever demo.](https://b.stripecdn.com/docs-statics-srv/assets/embedded-managed-risk-notif.c24e386e68a8a56ded5eefb122049842.png)
In the example above, the banner shows a single notification requiring action within 2 days to continue taking payments and receiving payouts. The banner’s headline states whether the intervention affects payments, payouts, or both.
The banner can also have multiple notifications to help connected accounts quickly address all open issues.
![Sample of multiple embedded risk notifications in the banner.](https://b.stripecdn.com/docs-statics-srv/assets/embedded-managed-risk-notif-multiple.9c9218df9607342367840d9d35656cab.png)
Multiple notifications in the embedded notification banner
The notification’s due date indicator shows how much time is remaining and becomes red to indicate overdue requirements that the connected account must address urgently to avoid consequences.
![Sample past due embedded risk notification.](https://b.stripecdn.com/docs-statics-srv/assets/embedded-managed-risk-notif-pastdue.98fa5f8c10d84861178fbbb51392d8be.png)
Notification for an overdue risk intervention
After the connected account responds, the notification updates to indicate that no action is required.
![Sample embedded risk in-review notification.](https://b.stripecdn.com/docs-statics-srv/assets/embedded-managed-risk-notif-inreview.7d990f036474fc4d0a630867e202ee13.png)
Notification for an in-review risk intervention
When all notifications are in review the banner automatically collapses and can be expanded to see more details.
![embedded-managed-risk-notif-collapse](https://b.stripecdn.com/docs-statics-srv/assets/embedded-managed-risk-notif-collapse.99b06a09be12ecd64d30c8116b930f3c.png)
Collapsed notification banner
The banner informs your connected account when Stripe suspends their operation and provides a means for contacting support to appeal.
![embedded-managed-risk-notif-reject](https://b.stripecdn.com/docs-statics-srv/assets/embedded-managed-risk-notif-reject.94843e428028f640d3ea79f8bac8822c.png)
Notification of unsupportable business
Responding to interventions![](https://b.stripecdn.com/docs-statics-srv/assets/fcc3a1c24df6fcffface6110ca4963de.svg)
Notifications in the notification banner include a button that the account user can click to respond directly in a modal window. In the following example, the notification prompts the user to complete an identity verification.
![embedded-managed-risk-remediation-ID](https://b.stripecdn.com/docs-statics-srv/assets/embedded-managed-risk-remediation-ID.e518cff147ff3ef2d8c7fa3b6d7455f5.png)
Embedded identity verification
Connected accounts must authenticate with Stripe to resolve risk interventions in the modal window.
Some interventions might request additional information about the business or its operations, which the user can provide and submit directly from within the modal, as shown in the following example.
![embedded-managed-risk-remediation-form](https://b.stripecdn.com/docs-statics-srv/assets/embedded-managed-risk-remediation-form.121ec16bc88310db4db00d5ca5ef2dcb.png)
Embedded form to respond to risk intervention
Most intervention emails include a button directing users to the notification banner where they can respond directly. In rare cases, the email might direct the user to respond by replying to the email.
Support for risk issues![](https://b.stripecdn.com/docs-statics-srv/assets/fcc3a1c24df6fcffface6110ca4963de.svg)
If a connected account needs help with a risk issue, they can:
- Contact Stripe’s risk specialist team using the Contact support link at the bottom of the response modal.
- Reply to any risk email to create a support request.
The forms provided through the intervention notifications are the fastest resolution for risk issues because they minimise the back-and-forth nature of email communication.