How can I configure custom risk rules?

Custom Risk Rules

Adyen’s risk engine allows you to create customized risk rules to mitigate fraud that are unique to your business.Custom Risk Rules include for example the AVS Risk rules, CVC/CVV Risk rules, Liability Shift Risk Rules, Shopper DNA, and more.

Configure Custom Risk Rules

First navigate to your risk profile under Revenue & risk > Risk Profiles, then click on ‘Create new rule’.

After clicking on “Create new rule”, you have the option to decide whether to create a Pre-authorization or Post-authorization risk rule:

• Pre-authorization: the rule will trigger before the payment is sent for authorization by the shopper’s bank
  • As a best practice, you should block the majority of fraud prior to authorization. Blocking transactions before the authorization stage helps keep your MIDs clean and the payment ecosystem safe. 
• Post-authorization: the rule will trigger after the shopper’s bank has authorized the payment 
  • Running a risk check post-authorization does have some advantages. It allows you to assess the issuers' response, which is only received once they have authorized the transaction. This includes payment authorization responses like AVS, CVC/CVV, and Liability Shift status.

After deciding which type of custom risk rule you want to create, click on ‘Continue’ to get to the custom risk rule builder.

The rule builder has the following options that you need to configure before creating a rule:

1. Rule name: Give the rule a name that describes its purpose
2. Rule action: Select Allow, Block, or Review to define the action you want the risk engine to take when the rule triggers.
3. Rule label: select one of the following labels for the rule:
   • Business: for rules specifically related to your business.
   • Legal: for rules based on regulations or laws.
   • Fraud: for rules to stop fraud risks specific to your business.
   • Block list: for rules to add payment properties to predefined block lists.
   • Trust list: for rules to add payment properties to predefined trust lists.
4. Rule conditions: enter the rule conditions.

Tip: For a complete list of the rule conditions that you can specify, navigate to Risk > Custom Fields.

After filling out the rule conditions, click on ‘Create new rule’ to save and enable the rule in your risk profile.