Merchant risk toolingPrivate preview

If you decide to manage merchant risk yourself, Stripe offers tools to help you:

• Identify a potentially fraudulent connected account using a fraud risk score.
• Investigate a connected account by reviewing risk metrics and fraud indicators.
• Gather additional information about a connected account through document verification and a selfie check.
• Take action against a connected account by pausing payouts, pausing payments, rejecting the account, or blocking its external payout account.

Identify potentially fraudulent connected accounts

Stripe provides a fraud risk score for each connected account based on the risk-related signals that we collect. In your Dashboard, you can filter the accounts overview based on the fraud risk score. The Home page also alerts you to potentially fraudulent connected accounts.

Investigate a connected account

In your Dashboard, you can view the following information in the connected account details page:

• The fraud risk score of the connected account
• Potential fraud indicators, which provide you with suggestions for potential areas to investigate further
• Risk-related metrics, such as declines, disputes, and refunds, specific to that connected account

Gather additional information

To gather more information on the connected account, you can ask to verify a government-issued ID document and, optionally, a selfie. When you do so, you also set an enforcement that automatically occurs if the connected account doesn’t successfully complete the verification. This enforcement can either be to pause payouts only, or to pause both payouts and payments. This enforcement can occur either after a certain period of time or after a certain total lifetime volume.

Take action

You can pause payments, pause payouts, or reject a connected account using the API or the Dashboard.

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