Stripe’s systems work to prevent fraud on your account automatically, with action taken on payments in real-time so that your business can focus on what’s most important. While this can save significant human time and effort, there may be certain payments where you’d like to apply human judgment in addition to what our automated systems can provide.
For instance, you might want to review transactions that:
- Have been evaluated by Stripe’s fraud prevention system as having an elevated risk of fraud
- Have been made from outside your country
- Are greater than a certain amount
- Make use of an email address from an unusual domain
The review queue of Stripe Radar for Fraud Teams streamlines the process for giving unusual payments a second look. Instead of spending significant amounts of time manually reviewing a long list of payments, you can send a targeted list of payments to review that meet your specified criteria, and review them right from the Dashboard.
The review queue in the Dashboard is a prioritized list of payments that need further investigation. There are two key ways to review payments: the list view allows you to perform reviews with at-a-glance information while the detailed view provides much more context about a payment. The detailed view can be further customized with your own data.
The list view contains information to help you quickly get a sense for each payment’s possible risk of fraud.
The list view highlights:
- The risk level Stripe has assigned after evaluating the payment
- Customer name
- Card information
- Amount, date and time of the payment
- The device IP address
If you need to view further information about a payment before making a decision (such as any additional information you may have provided as metadata), select the payment within the review queue to view the entire payment detail page. You can quickly navigate between payments to review using the Previous and Next buttons.
The detailed view gives you information about the operating system and device type used to make the purchase, the number of pages viewed before the purchase was made, and the purchase session duration—fraudulent purchases often have suspiciously quick session lengths compared to a legitimate session.
To help you quickly identify discrepancies, we also display the distance between the location of the IP address used to make the purchase and the address associated with the credit card.
You can also view the network of related payments: any other payments made to your business that use the same email address, IP address, or card number as the payment you’re currently reviewing. This can help identify common fraud patterns, such as card testing (many different cards sharing a single IP address) or trial abuse (many “customers” share the same card).
Once you’ve reviewed a payment, you can remove it from the review queue by taking one of the following actions:
- Approve: Closes the review with no changes made to the payment. You can still refund (or refund and report fraud) any payment that has been approved at any time.
- Refund: Refunds the payment without reporting it to Stripe as fraudulent. Once a payment is refunded, the action cannot be undone—a new payment must be processed.
- Refund and report fraud: Refunds the payment and also reports it to Stripe as fraudulent. This improves our machine learning models’ judgments and further increases the effectiveness of our fraud prevention.
Customizing the review queue
With Stripe Radar for Fraud Teams, you can create rules that automatically place payments in review based on the unique needs of your business. This give you the opportunity to identify payments that might require more investigation before you can make an informed decision.
Human reviews can add additional nuance to your fraud prevention strategy. While these reviews provide the additional insight, control, and information a person can bring to make a decision, doing so can come at a high cost without care. This can be a burden for operational resources or become unwieldy during peak seasons. Use the following best practices to get the most out of reviews.
- Focus time on payments where human judgment can add valuable insight to the decision
- Automated systems should be able to make decisions on the vast majority of payments, but there may be a few where a human can make a decision with a significantly higher level of accuracy. To make best use of valuable human time, only review transactions where a human can definitely make a better decision than an automated system.
- Leverage the insights from reviewers to develop hypotheses for fraud prevention strategies
- As reviewers sort through your transactions, they develop intuitions for fraud prevention that can be translated into better rules. Collect insights from reviewers to test custom rules on your account.
- Customize the process by presenting data unique to your business at review time
- Pass along any additional customer or order information as metadata so that you can have all relevant information in the Dashboard at the time of review. Some examples of useful metadata include:
- More information about the order and its shipping information
- Google Maps and Street View links to the customer’s shipping address so the reviewer can see if the address might be a drop-shipping or freight-forwarding service
- Don’t slow down your customer journey
- A review implies there is time between the order being taken and delivered. If your business inherently has a delay of this type (e.g., you’re shipping physical goods), taking the time to review a transaction doesn’t detract from the customer experience. If there isn’t a delay built into your product experience, adding in a review process could potentially slow down orders and serve as a bottleneck for good customers.
Now that you know more about Stripe Radar's review queue, read on to learn about writing rules.