Limited availability
Adyen's Managed Risk solution is in pilot phase. Some of the processes and documentation may change as the solution evolves.
Adyen's risk engine continuously monitors and evaluates your user's transactions, and decreases or increases the settlement delay of your user's transactions.
Requirements
If you have the roles and permissions for Managed Risk, there are no additional requirements, limitations, or preparations.
Dynamic settlement delay
A settlement delay specifies the number of business days after which the funds in a daily settlement batch become available in your user's balance account.
For platforms enrolled in Managed Risk, Adyen adjusts the settlement delay for each user independently based on their risk level and operating industry. Managed Risk settlement delays are applied by Adyen in two scenarios:
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Settlement delay probation period: To mitigate early seller default, fraud, and sudden negative balances from new accounts, Adyen automatically applies an extended settlement delay to all newly onboarded users starting on the day of their first captured transaction. Users complete their settlement delay probation period by meeting necessary processing and risk criteria.
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Elevated risk: Adyen continues to monitor transaction data after users complete their settlement delay probation period. If a user demonstrates elevated risk, Adyen applies settlement delays.
When a user either completes their probation period or no longer demonstrates elevated risk, Managed Risk settlement delays are lifted by Adyen, allowing your user’s payments to settle according to settings configured elsewhere: either the default established at the platform level, or customized using Adyen settlement and payout products.
Receive updates
You receive updates about changes to the dynamic settlement delay through the following webhooks:
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Settlement delay updated: You receive the balancePlatform.managedRisk.settlementDelay.updated webhook when settlement delays are imposed on a selected user by the Managed Risk framework.
Adyen may apply or adjust settlement delays during your user’s probation period, or during a period of elevated risk.
-
Settlement delay lifted: You receive the balancePlatform.managedRisk.settlementDelay.lifted webhook when settlement delays are no longer imposed on a selected user by the Managed Risk framework.
When a Managed Risk settlement delay has been lifted, your user's settlement delays are subject to the settlement delay settings configured elsewhere, either the default established at the platform level, or using Adyen settlement and payout products.
Managed Risk settlement delays may still be reapplied during periods of elevated risk, as detected by Adyen’s ongoing monitoring of your user’s transactions
Settlement delay updated
Listen to the balancePlatform.managedRisk.settlementDelay.updated webhook to be notified when Managed Risk settlement delays are applied to individual users.
This webhook contains the following information in the data object:
| Parameter | Description |
|---|---|
accountHolderId |
The unique identifier of the account holder whose risk management changes. |
balancePlatform |
The unique identifier of the balance platform in which the change occurs. |
creationDate |
The date and time when the change was triggered, in ISO 8601 extended format. |
configurations.paymentMethod |
The payment method to which the settlement delay applies. |
configurations.settlementDelay |
The settlement delay applied to your user's transactions. It indicates the number of days after which your user's funds become available in their balance account. |
id |
The unique identifier of the webhook event. |
reason |
The reason for the change in your user's risk management, set to settlementDelayChanged. |
The following example shows the balancePlatform.managedRisk.settlementDelay.updated webhook you receive when the settlement delay is changed for a selected user.
Settlement delay lifted
Listen to the balancePlatform.managedRisk.settlementDelay.lifted webhook to be notified when Managed Risk settlement delays are lifted and no longer applied to individual users.
This webhook contains the following information in the data object:
| Parameter | Description |
|---|---|
accountHolderId |
The unique identifier of the account holder whose risk management changes. |
balancePlatform |
The unique identifier of the balance platform in which the change occurs. |
id |
The unique identifier of the webhook event. |
reason |
The reason for the change in your user's risk management, set to riskReviewPeriodPassed. |
The following example shows the balancePlatform.managedRisk.settlementDelay.lifted webhook you receive when the settlement delay has been lifted for a selected user.
View changes
You can track the changes and view all events related to your users' risk management in your Customer Area:
- Go to Balance account > Overview.
- In the Summary section, you can view the current settlement delay set for your user's transactions.
Different settlement delays can apply to different payment methods. - In the Balance risk events section, you can view the list of the latest changes in your user's settlement delay configuration.