# Account risk signals

Get risk signals for connected account fraud, delinquency, and website legitimacy.

Radar provides programmatic access to risk signals through the [Account Signals API](https://docs.stripe.com/api/v2/signals/account-signals.md?api-version=preview). These signals provide risk intelligence for your connected accounts, enable you to build automated workflows, and integrate risk data directly into your platform’s operations.

You can retrieve account signals and account evaluations for up to 90 days after creation. List requests omit account signals created more than 90 days ago.

## Risk signals

[Fraudulent merchant](https://docs.stripe.com/radar/fraudulent-merchant.md): Detect connected accounts engaging in fraudulent activity, such as misrepresenting goods or services, processing unauthorized transactions, or committing first-party fraud.

[Merchant delinquency risk](https://docs.stripe.com/radar/merchant-delinquency-risk.md): Identify connected accounts showing financial distress indicators that might lead to unfulfilled orders, increased disputes, or the inability to cover refunds.

[Payment delinquency exposure](https://docs.stripe.com/radar/payment-delinquency-exposure.md): Estimate the dollar amount at risk from disputes and refunds if a connected account becomes delinquent.

[Fraudulent website](https://docs.stripe.com/radar/fraudulent-website.md): Flag connected accounts operating deceptive or policy-violating websites, including sites with misleading product claims or fake storefronts.

## How it works

Stripe continuously evaluates your connected accounts using machine learning models trained on millions of payments across the Stripe network. When a risk signal changes, Stripe sends a webhook event to your endpoint so you can [take action](https://docs.stripe.com/radar/account-fraud-prevention.md#take-action).

A diagram showing the account signals flow between a connected account, Stripe, and a platform. (See full diagram at https://docs.stripe.com/radar/account-risk-signals)

```text
[Connected account] -- Account activity (for example, payments or disputes) --> [Stripe]
[Stripe] -- ML models evaluate risk signals --> [Stripe]
[Stripe] -- Webhook event: signal ready --> [Platform back end]
[Platform back end] -- GET /v2/signals/account_signals/{id} --> [Stripe]
[Stripe] -- Risk signal with level and indicators --> [Platform back end]
[Platform back end] -- Decide action (for example, review, pause, or reject) --> [Platform back end]
```