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
After we verify your user's information during onboarding and enable their payment processing capabilities, Adyen configures an initial settlement delay for their transactions. The 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. When the funds become available, you can pay them out to your user manually, or according to a preconfigured payout schedule.
The initial settlement delay configured for your users may be longer than our default sales day settlement delay for the given region. The exact number of days depends on your user's industry, operating country, and the payment methods used.
We continuously monitor and evaluate your user's transaction data, and dynamically decrease or increase the settlement period of your user's transactions according to their risk level.
Receive updates
Listen to the balancePlatform.managedRisk.settlementDelay.changed webhook to be notified when we increase or decrease the settlement delay applied to your user's transactions.
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 settlementDelayConfigurationUpdated. |
The following example shows the webhook you receive when the settlement delay is changed for your user's transactions.
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.
Transactions initiated through direct debit and other payment methods can have different settlement delays. - In the Balance risk events section, you can view the list of the latest changes in your user's settlement delay configuration.