Radar fraud scores for Issuing authorizations

Stripe Radar’s AI model provides real-time fraud risk scoring for Issuing card authorization transactions. The API returns a fraud risk score and risk level, allowing card issuers and issuer-processors to make informed authorization decisions. You can request a fraud risk evaluation for each card authorization before deciding to approve or decline the transaction.

Prerequisites

Before you request a fraud risk evaluation on a card authorization, you must have:

• Authorization transaction details, including the amount, currency, reference, and initiated_at timestamp.
• Card details, including the card bin, bin_country, last4, card_type, card created_at timestamp, and reference.
• Merchant details, including the category_code (MCC), merchant name, and network_id.

The following diagram shows your call to create an IssuingAuthorizationEvaluation and Stripe’s real-time response with the fraud risk score.