Risk profiles

Risk profiles are used to manage risk rules across multiple merchant-level accounts, or to apply a different set of risk rules for a specific payment. For example, you can isolate low-risk from high-risk transactions, with different risk configurations for each profile.

5 types of risk profile

All Adyen merchants receive a default risk profile based on their business industry at go-live. This risk profile is considered the parent profile.

Within a risk profile there are 4 main categories: 

• Custom Rules
• Block and Trust Lists
• Standard Rules
• External Rules 

Within standard rules there are 3 sub-categories: 

• Consistency
• Velocity 
• ShopperDNA

Tip: Custom Rules and ShopperDNA are part of the premium offering.

Create a risk profile

1. Log in to your Customer Area at a company level.
2. Go to Risk > Risk Profiles.
3. From the Create new profile based on drop down at the bottom of the page, select a default risk profile template.
4. Select Create.
5. Set your risk rule settings for the profile. See configuring rules for more information.
6. Select Save Profile.

You can have only 1 risk profile per merchant account. The risk checks you enable and set on a risk profile will cause the risk score to go up or down when a payment is being authorized. If the risk score reaches 100, the payment will be refused due to fraud.

You can also choose to send a transaction to Case management when a specific risk check is activated. If the score is 100 or above, the transaction will be directly refused and therefore not sent to Case management.