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Configure custom risk rules

Build your own custom rules around the unique fraud risks faced by your business.

In addition to our standard risk rules, we provide custom risk rules. These allow you to create custom rules to either refuse a transaction, or send it for a Manual Review.

To build your own custom risk rules:

  1. Turn on custom risk fields.
  2. Create custom risk rules.
  3. Assign actions to your rules.

You can also check out an example of a custom risk rule.

This functionality requires additional configuration on Adyen's end. To enable it, contact the Support Team.

Step 1: Set up custom risk fields

  1. Contact Support Teamto request the field including:
    • The name of the field (one word name).
    • The data type of the field: String, StringList, Number, NumberList, Date and DateList.

You can then submit data to the additionaldata.riskdata.<customfieldname> field.

Step 2: Turn on risk fields for custom risk rules

  1. Log in to your Customer Area.
  2. From your company-level account, navigate to Risk > Custom risk fields.
  3. Turn on Show inactive to view all the risk fields you can use.
  4. Toggle on the fields that you'll use to trigger custom risk rules.
    You can include the following types of fields:

Example

Below is an example of a custom risk rule. It will be triggered when someone attempts to purchase flight tickets that are either:

  • one-way (numberOfLegs | == | 1) 
  • AND to a destination that is Lagos or Abuja (destination_code | IS IN | LOS,ABV).
  • AND business class (class_of_travel | == | Business)

OR

  • one-way (numberOfLegs | == | 1) 
  • AND to a destination that is Lagos, Abuja, or Port Harcourt (destination_code | IS IN | LOS,ABV,PHC).
  • AND with a price above 1,000.00 (amount | > | 100000)
  • AND is in Euros, Pounds, or US Dollars (currency | IS IN | EUR,GBP,USD)

Step 3: Create a rule

  1. Log in to your Customer Area, and select a merchant-level account.
  2. Navigate to RiskRisk profiles.
  3. Under Custom Rules, click + New Rule.
  4. Enter a Rule Name.
  5. For each condition select:
    • Field Name. This is one of the fields you are submitting with the payment (for example, the amount of the transaction).
    • An Operator. This compares the Field Name to the Field Value (for example, GREATER THAN (>)).
    • Field Value. This is the criteria you'll use to trigger your rule (for example, 40000).

      You can enter multiple Field Values in a condition by separating them with a comma.

  6. Add any additional conditions to the rule by clicking AND or OR.
  7. Click Save.

Step 4: Assign an action

Finally, choose what action is taken when your rule is triggered. You can either:

Step 5: Test the custom risk rule

  1. Make a payment request including the fields you turned on in step 2:
{
   "amount":{
      "currency":"USD",
      "value":1000
   },
   "reference":"98739872454D",
   "paymentMethod":{
      "type":"scheme",
      "number":"4111111111111111",
      "expiryMonth":"10",
      "expiryYear":"2020",
      "holderName":"John Smith",
      "cvc":"737"
   },
   "returnUrl":"https://your-company.com/...",
   "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
   "additionalData":{
      "riskdata.deliveryMethod":"express",
      "riskdata.basket.item.productTitle":"Blue Shirt",
      "riskdata.promotions.promotion.promotionName":"Big Sale promotion"
   }
}
  1. Take note of the pspReference in the payment response.
  2. Log in to your Customer Area, and select the merchant account you used to make the payment.
  3. In the Search payments, search for the pspReference and select the payment.
  4. Click the number listed under Fraud scoring.
    A page will open with a breakdown of which fraud checks triggered.