Avaliação de risco

Stripe Radar includes an adaptive AI model that uses a risk score to evaluate the risk level for each payment in real time. The model uses hundreds of signals about each payment and data across our network of businesses to predict whether a payment is likely to be fraudulent. It learns from new customer purchase patterns and transaction features, and incorporates feedback from you whenever payments are marked as fraudulent.

Risk settings and the risk controls for fraudulent disputes and early fraud warnings don’t use this AI model. They use more specialized models that can balance the tradeoffs between authorization and fraud.

Quando usar o Radar

Radar evaluates risk and runs rules for three Stripe API objects: Charges, PaymentIntents and SetupIntents. Stripe designed the Radar rules to take four actions:

• Solicitar autenticação 3DS
• Permitir a criação do objeto
• Bloquear a criação do objeto
• Review the creation of a charge

A tabela a seguir ilustra quais regras são executadas pelo Radar para cada tipo de objeto de API:

If you use card payments, you can enable Radar for SetupIntents in your Radar settings.

Use Radar with Stripe Checkout or Stripe Billing

This information also applies to payments created using Stripe Checkout and Stripe Billing. To provide a seamless flow for your subscription customers, the Radar fraud models only score the initial payment of a recurring Stripe Billing subscription, but evaluate rules for all payments.

Resultados de risco

The Stripe AI model evaluates the likelihood that a payment is fraudulent, and provides an assessment of one of the following values:

• Alto risco
• Risco elevado
• Risco normal
• Não avaliado
• Risco desconhecido

Cada pagamento inclui informações sobre o resultado da avaliação de risco.

Radar for Fraud Teams lets you see a risk insights section on the payment page that provides more details about why we assigned a payment a particular risk level and score.

If a financial institution (such as a card issuer or bank) declines a payment, Stripe also includes any information we receive from them as part of the outcome. You can see the outcome for each payment in the Dashboard, or through the API in the Outcome attribute of the Charge object.

Pagamentos de alto risco

A Stripe sinaliza alto risco no pagamento quando acredita que há probabilidade de fraude. Pagamentos nesse nível de risco são automaticamente bloqueados.

No objeto Charge de um pagamento de alto risco, o risk_level é definido como highest.

...
"outcome":
{
  "network_status": "not_sent_to_network",
  "reason": "highest_risk_level",
  "risk_level": "highest",
  "risk_score": 92, // Provided only with Stripe Radar for Fraud Teams
  "seller_message": "Stripe blocked this charge as too risky.",
  "type": "blocked",
}
...

If Stripe Radar blocks a payment that you know is legitimate, you can remove the block by viewing the payment in the Dashboard and clicking Add to allow list. Adding a payment to the allow list doesn’t retry the payment, but it does prevent Stripe Radar from blocking future payment attempts with that payment method or email address.

Pagamentos de risco elevado

Elevated risk payments have an increased chance of being fraudulent. Stripe Radar allows payments of this risk level by default. Stripe Radar for Fraud Teams automatically places elevated risk payments into your review queue so you can look at them more closely.

No objeto Charge de um pagamento de risco elevado, o risk_level é definido como elevated.

...
"outcome": {
  "network_status": "approved_by_network",
  "reason": "elevated_risk_level",
  "risk_level": "elevated",
  "risk_score": 56, // Provided only with Stripe Radar for Fraud Teams
  "seller_message": "Stripe evaluated this charge as having elevated risk, and placed it in your manual review queue.",
  "type": "manual_review"
}
...

Pagamentos de risco normal

Payments with a normal risk evaluation have fewer characteristics that indicate fraud than payments with elevated or high risk levels. However, we recommend that you continue to be vigilant when fulfilling these orders. Payments that have normal risk can still turn out to be fraudulent, and there are other possible types of fraud that can occur later in the order process.

No objeto Charge de um pagamento bem-sucedido com risco normal, o risk_level é definido como normal.

...
"outcome":
{
  "network_status": "approved_by_network",
  "reason": null,
  "seller_message": "The charge was authorized.",
  "risk_level": "normal",
  "risk_score": 23, // Provided only with Stripe Radar for Fraud Teams
  "type": "authorized",
}
...

Não avaliado

Radar assesses the risk level for card, ACH, and SEPA Direct Debit payments, and sets the risk level to not_assessed for:

• All other non-card payments
• Card-based payments predating the public assignment of risk levels
• Payments where the business opts out of Radar fraud risk assessment

No objeto Charge de um pagamento não avaliado, o risk_level é definido como not_assessed.

...
"outcome": {
  "network_status": "approved_by_network",
  "reason": "not_assessed_risk_level",
  "risk_level": "not_assessed",
  "seller_message": "Your business has opted out of Radar fraud risk assessments.",
  "type": "authorized"
}
...

Pagamentos de risco desconhecido

In unusual cases, an error might cause risk evaluation to fail. If this happens, Stripe reports the payment as having unknown risk.

No objeto Charge de um pagamento de risco desconhecido, o risk_level é definido como unknown.

...
"outcome": {
  "network_status": "approved_by_network",
  "reason": "unknown_risk_level",
  "risk_level": "unknown",
  "seller_message": "Something went wrong while evaluating this payment. Our engineers have been notified and we’ll look into this as soon as possible.",
  "type": "authorized"
}
...

Search for a specific risk level in the Dashboard

You can search for payments with a specific risk level using the risk_level search term and the desired risk level. For example, a search for risk_level:highest returns a list of all payments with a high risk level. A search for risk_level:elevated returns a list of all payments with an elevated risk level.

Provide feedback on risk evaluations

While we use information across our network to evaluate a payment, you might have additional information about a payment as a result of a customer interaction. Our AI model responds to feedback you share with us, and you can help improve our fraud detection algorithms and the accuracy of our risk evaluations by refunding and reporting payments that you believe are fraudulent.

To refund a payment and mark it as fraudulent, do the following:

1. View the payment in the Dashboard.
2. Clique em Reembolsar.
3. Selecione fraudulento como o motivo.
4. Forneça uma breve explicação.

Você também pode indicar que um pagamento é fraudulento quando criar um reembolso usando a API, informando fraudulent como o valor para reason. O endereço de e-mail e a impressão digital do cartão do pagamento são adicionados às listas de bloqueio de endereço de e-mail e impressão digital de cartão.

# Don't put any keys in code. Use a secrets vault or environment
# variable to supply keys to your integration. This example
# shows how to set a secret key for illustration purposes only.
#
# See https://docs.stripe.com/keys-best-practices and find your
# keys at https://dashboard.stripe.com/apikeys.
Stripe.api_key = 
'sk_test_BQokikJOvBiI2HlWgH4olfQ2'

# If you haven't refunded the charge, you can do so and let Stripe
# know it was fraudulent in one step.
Stripe::Refund.create({
  charge: '{{CHARGE_ID}}',
  reason: 'fraudulent',
})

# If you already refunded the charge (without specifying the
# 'fraudulent' reason), you can still let us know it was fraudulent.
Stripe::Charge.update(
  '{{CHARGE_ID}}',
  {
    fraud_details: {
      user_report: 'fraudulent',
    },
  }
)

For a small subset of payments, Stripe modifies the reported risk score so we can measure the performance of our models and obtain data for subsequent model development. This allows us to make sure key metrics, such as false positive rate and recall, remain within desirable ranges, and that model performance continues to improve.

You can opt out of using the Stripe Radar API model by contacting support.