Radar for Fraud Teams allows you to adjust the default risk score for blocking payments in your Radar settings:
The risk settings dialog shows your block threshold, your dispute rate, and other important statistics
How it works
Stripe Radar gives each charge a numerical risk score between 0 and 99, where 0 is the lowest risk and 99 highest.
The default blocking threshold is 75, meaning Radar blocks charges with a score of 75 or higher.
For Radar to block transactions based on this threshold, you need to enable the default block rule or an equivalent custom rule.
The default manual review threshold is 65, meaning Radar sends charges with a score of 65 or higher to manual review. Changing the blocking threshold automatically changes the manual review threshold accordingly.
For Radar to send transactions to manual reviews based on this threshold, you need to enable the default review rule or equivalent custom rules.
Alternatively, use custom rules (Radar for Fraud Teams feature) to precisely control which payments Radar blocks, reviews, and allows.
When to use it
You can customize the default threshold to fit your own business needs. Setting the risk score threshold requires you to consider a tradeoff between how much fraud Radar blocks and how many payments it allows.
For example, if your business has low fraud rates and costs, you might want to increase the default blocking score so that you can allow more payments overall. As you increase the risk score, you might also allow more fraud.
Alternatively, you can decrease the score for blocking payments if you’ve experienced higher rates of fraud. As you decrease the risk score, you’re likely to block more fraud but also block more overall payments.
You can go to your Radar settings in the Dashboard to test the impact of changing risk score thresholds for your business.
If you’re increasing the risk score for blocking charges, we can’t accurately predict the impact of this change on your fraud rate (as some charges that were previously blocked will now be allowed). Be careful when adjusting the risk score in this direction.