Risk management

Use our risk management solution to minimize fraud and maximize auth rates.


Maintaining fraud defenses without compromising the checkout experience of your customers is a challenge. Adyen offers a range of risk management tools to minimize fraud without impacting genuine transactions:

3D Secure 2, Dynamic 3D Secure, and AVS

3D Secure 2 is the new generation of authentication technology introduced by EMVCo and major card schemes, providing an additional layer of verification on Card Not Present (CNP) transactions.

Dynamic 3D Secure enables the establishment of rules that dictate whether a call for payment goes through 3D Secure or not, minimizing friction routing only high-risk transactions through this extra level of security. 

The Address Verification System (AVS) is a system used to verify the address of a person claiming to own a credit card. This results in better protection against fraud, and can increase the authorisation rate for recurring payments.

Disputes

During an order lifecycle, a shopper may dispute a payment. They may contact you directly to try and reach a mutually satisfactory solution, for example a (partial) refund of their payment.

ShopperDNA

ShopperDNA tracks fraudsters even as they change devices, networks, and identities. It uses Device Fingerprinting, which logs unique attributes of the shopper device and analyze them during repeat visits of the same shopper. 

Risk checks

The risk engine has numerous rules available for configuration that are assessed at the time of a transaction. These risk checks are outlined in a list of  RevenueProtect engine rulesMany risk checks require you to provide additional information on the payment to perform better assessment of the transaction. For more information, see Provide data for risk checks. You can also skip risk checks

Risk checks can be performed in batches across lists of referrals using the Referral list API. It is also possible to manually review a transaction before it is captured. This an optional, yet powerful second layer of enforcement that can go on top of standard risk checks. For more information, see Case Management - Manual Review.

Risk profiles 

Create and use risk profiles to work in tandem with risk checks. Risk profiles allow you to manage risk settings across multiple merchant accounts, or to apply a different set of risk settings for a specific payment. 

Testing  

Use Result code testing and CVC-CVV result testing test how your integration handles responses from the Adyen payments platform by forcing specific payment response codes.