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HomeGet startedRadar fraud protection

Radar for PlatformsPrivate preview

Use Stripe tools to reduce buyer and connected account risk.

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Stripe has developed risk tooling for Connect platforms to help you more effectively prevent, detect, and mitigate both buyer risk and financially risky connected accounts (for example, fraud risk).

Radar for Platforms helps your platform manage risk end-to-end:

  • Identify potential financial risk using machine learning generated risk scores and customized rules engines
  • Investigate connected accounts using risk metrics and indicators
  • Gather additional information using document verification or a selfie confirmation
  • Take action on transactions and connected accounts (including setting reserves).

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Identify potential financial risk

Radar for Platforms uses machine learning from millions of processed payments to generate risk scores for individual transactions and connected accounts as a whole. Each score receives one of the following risk levels: normal, elevated, highest or not assessed.

Risk scores and levels

Stripe enables its account risk levels by default as account-level rules in your Radar rules page. Stripe raises accounts scored as highest or elevated for review due to their probability of financial loss due to fraud or credit risk.

  • highest risk indicates 90% probability.
  • elevated risk indicates 50% probability.

Risk levels update each time a new event occurs, such as transaction or change in business information. Transaction risk scores and levels behave the same for platforms as for standard Stripe accounts.

Note

Machine learning-generated risk scores and levels don’t reflect specific data. Use them together with other signals to make holistic decisions about what additional information to request and what actions to take.

Custom rule creation

You can customize the criteria for both account and transaction rules to suit the unique risks of your business. You can take one of the following actions when creating your rules:

Transactions

  • Request 3DS
  • Allow
  • Block
  • Review

Accounts

  • Raise a review
  • Pause payouts and raise a review

For a complete list of supported attributes in rule creation, see our transaction rule attributes and account rule attributes.

Account reviews

After you write your Radar rules, we alert you when any of your connected accounts match a rule by highlighting these accounts on your Home page. Click an account to see the Radar reviews tab of your accounts overview page. You can filter this list by the matched rule and risk level assigned.

Investigate a connected account

Select an account from the connected account review list to see its details page. This page shows:

  • Account status
  • Current enablement status of payments and payouts
  • Required actions for the account
  • Account balances
  • Risk details

Risk metrics

The Risk metrics section highlights risky trends or anomalies using the following visualizations:

  • A time-series graph of the count and volume of payments, disputes, declines, or refunds
  • Time-series graphs for dispute rates, refund rates, and refund rates
  • A filter to adjust the time period shown in the graphs
  • A filter to show metrics by either count or volume

Dispute and refund data reflect the occurrence date of the dispute or refund, not the underlying transaction date. For example, hovering over the January 5 date on the disputes graph shows you the number of disputes opened on January 5, not the number of transactions on January 5 that were subsequently disputed. Also, the disputes graph shows the count of disputes, not the number of transactions disputed. A customer can file multiple disputes on a single transaction.

Failed payments typically include issuer declines, Radar declines, and failed API calls. Declined payments in the Risk metrics charts include only issuer declines and Radar blocks. We don’t consider failed API calls risky, so they’re excluded.

Risk indicators

If Stripe detects a risk level of elevated or highest on the account, we share our model’s indicators to help you investigate. Then you can make an informed decision to confirm or deny the account risk.

Request account identity

One way to further research risk is to ask verify the connected account’s government-issued identity document and selfie.

  1. On the connected account details page, click the overflow menu and choose Request information.
  2. In the dialog, select Identity document from the Information drop-down.
  3. Set the consequence of not completing the verification before the deadline by selecting Pause payouts or Pause payouts and payments from the Enforcement drop-down.
  4. Set the deadline for completing the verification using the Condition drop-downs. You can define the deadline as a time limit or as a total lifetime volume. To enforce the consequence immediately, select Time limit and Immediately.
  5. Click Send request to immediately add the requirement to the connected account and display a remediation link that the account can use to fulfill the requirement.
  6. Click Copy to provide the link to the connected account in your communication, if needed. Depending on your Stripe integration, Stripe might automatically notify the connected account of the requirement. If your platform automatically sends account links based on account.updated webhooks, it might automatically notify the connected account.

Take action

You can take the following actions against a connected account by clicking the overflow menu on the connected account details page:

  • Pause payments
  • Pause payouts
  • Reject the account (which also pauses payments and, optionally, payouts)

When a connected account has a Radar rule match, to close the review, you must either dismiss the review or reject the account.

Reject account

Rejecting the account disables payments (and optionally, payouts). Stripe uses this signal to continue to improve our detection of financially risky accounts. Choose one of the following reasons as your primary determination of risk:

  • fraud_card_casher: The merchant’s behavior suggests they’re processing several stolen credit cards in a short amount of time with the intent of cashing out. For example, the merchant is both the buyer and the seller and uses stolen credit cards to quickly buy a large volume of goods.
  • fraud_card_tester: The merchant processes small (often in $0 - $5 range), repeated transactions (which often fail) from stolen credit cards in a short amount of time.
  • fraud_no_intent_to_fulfill: The merchant scams legitimate cardholders by tricking them into making purchases the business has no intention to fulfill or intends to fulfill with low quality or fake goods.
  • fraud_other: You aren’t sure which fraud bucket qualifies. For example the merchant’s KYC data looks fake.
  • credit: The merchant is a legitimate business but at risk of delinquency.
  • terms_of_service: The merchant is a prohibited business, or has other terms-of-service violations.
  • other: You’re rejecting the merchant for any reason unrelated to fraud, credit, or terms-of-service risk.

Caution

After you reject an account, reversal is difficult. You must contact Stripe Support to un-reject it.

Click Reject. Refresh the page to confirm the updated account status. If the account has a positive balance, your team can decide how to proceed. For example, you can transfer the balance to your platform to refund customers or to payout the balance to the merchant.

Dismiss review

If you determine that the account is not risky enough to reject, you can dismiss the review for that particular rule for a period of time. This makes sure your team doesn’t review the same accounts repeatedly, but also let you reevaluate later if the account continues to trigger the rule.

Permissions

You must have the Connect Risk Analyst, Administrator, or Super Administrator user role to view and take action on risk reviews.

  • Stripe sends email notifications to Connect Risk Analyst team members of accounts we flag as elevated or highest.
  • Admin team members can opt in to these notifications in their communication preferences under the highest risk accounts option.

Identity verification request notifications

If you request identify verification from a connected account, Stripe communications depend on your integration:

  • If the connected account has access to a Stripe-hosted Dashboard, Stripe posts an alert there. Stripe also emails the connected account directing them to their Dashboard, where the connected account can satisfy the requirements.
  • If the connected account has access to the Embedded Notifications Banner, Stripe posts an alert there, where the connected account can satisfy the requirements.
  • If the connected account can’t access a Stripe-hosted Dashboard or the Embedded Notifications Banner, Stripe doesn’t directly notify the connected account of the requirement. In this case, you might need to send the connected account a remediation link they can use to complete the requirements.

Identity verification request results

You can view the status of an identity verification request in the Actions required section of the connected account details page inyour Dashboard.

When the connected account completes the requirement, Stripe sends an account.updated webhook event and updates the Verification attempts section of the connected account details page in your Dashboard with the results of the check.

If a connected account fails the check, the consequences of the enforcement that you set, such as pausing payouts, begins after the time limit or volume limit elapses.

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