{"title":"External risk rules","category":"default","creationDate":1776961628,"content":"<div class=\"notices blue\">\n<p>External risk rules are being deprecated.<\/p>\n<\/div>\n<p>Contact our <a href=\"https:\/\/ca-test.adyen.com\/ca\/ca\/contactUs\/support.shtml?form=other\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Support Team<\/a> to turn on these checks and coordinate with the third-party.<\/p>\n<h3>German SCHUFA Check<\/h3>\n<div data-component-wrapper=\"tag\">\n    <tag :variant=&quot;academy&quot;>\n        Deprecated\n    <\/tag>\n<\/div>\n\n<p><a href=\"https:\/\/www.schufa.de\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">SCHUFA<\/a> (Schutzgemeinschaft f\u00fcr allgemeine Kreditsicherung) is a German private credit bureau. Adyen's <a href=\"\/risk-management\">risk management<\/a> lets you check shoppers credentials against the SCHUFA database for German <a href=\"https:\/\/www.adyen.com\/payment-methods\/sepa-direct-debit\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">SEPA<\/a> transactions.<\/p>\n<div class=\"notices yellow\">\n<p>You have to include the parameters  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments#request-billingAddress\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">billingAddress<\/a>,  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments#request-dateOfBirth\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">dateOfBirth<\/a>, and  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments#request-shopperName\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">shopperName<\/a> in the payment request for this check to work.<\/p>\n<\/div>\n<p>The risk rule has filters that let you target high-value\/high-risk transactions:<\/p>\n<ul>\n<li>\n<p><strong>Transaction amount<\/strong>:\u00a0You enter a transaction amount in minor units above which SEPA payments will be checked against the SCHUFA database.<\/p>\n<\/li>\n<li>\n<p><strong>SCHUFA thresholds<\/strong>: You specify two separate thresholds and assign a risk score for each; one for moderate risk and one for high risk.<\/p>\n<\/li>\n<\/ul>\n<p>When the rule triggers, SCHUFA responds with a value associated with the shopper. When both of the thresholds you set are applicable based on the SCHUFA response, the highest of these scores is used for the risk rule.<\/p>\n<p>For example, when you set moderate risk to <strong>A<\/strong> with a risk score of 10, and set high risk to <strong>E<\/strong> with a risk score of 20, a response of:<\/p>\n<ul>\n<li>A or above returns a risk score of 10. This is the base rule setting.<\/li>\n<li>E or above returns a risk score of 20. This is the base rule setting.<\/li>\n<li>C returns a risk score of 10.<\/li>\n<li>M returns a risk score of 20.<\/li>\n<\/ul>\n<table>\n<thead>\n<tr>\n<th>SCHUFA Response<\/th>\n<th>Risk Score<\/th>\n<th>Riskiness<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>P<\/td>\n<td>97.79%<\/td>\n<td>High<\/td>\n<\/tr>\n<tr>\n<td>O<\/td>\n<td>79.10%<\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td>N<\/td>\n<td>49.16%<\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td>M<\/td>\n<td>40.96%<\/td>\n<td>Medium<\/td>\n<\/tr>\n<tr>\n<td>L<\/td>\n<td>22.96%<\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td>K<\/td>\n<td>18.52%<\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td>I<\/td>\n<td>14.65%<\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td>H<\/td>\n<td>10.99%<\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td>G<\/td>\n<td>6.84%<\/td>\n<td>Low<\/td>\n<\/tr>\n<tr>\n<td>F<\/td>\n<td>4.11%<\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td>E<\/td>\n<td>2.67%<\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td>D<\/td>\n<td>1.80%<\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td>C<\/td>\n<td>1.36%<\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td>B<\/td>\n<td>0.92%<\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<tr>\n<td>A<\/td>\n<td>0.44%<\/td>\n<td>\u00a0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>Airline Perseuss External Referral Check<\/h3>\n<div data-component-wrapper=\"tag\">\n    <tag :variant=&quot;academy&quot;>\n        Deprecated\n    <\/tag>\n<\/div>\n\n<p>Perseuss is an airline-specific risk mitigation system. You can call Perseuss and receive a risk score for the transaction, which affects the Adyen risk score.<\/p>\n<h3>Generic External Risk Score<\/h3>\n<div data-component-wrapper=\"tag\">\n    <tag :variant=&quot;academy&quot;>\n        Deprecated\n    <\/tag>\n<\/div>\n\n<p>This check takes a score submitted in the payment request and uses it to change the Adyen risk score. Use this if you are using a separate risk system. The external score must be calculated before the payment request is submitted (pre-auth).<\/p>\n<p>You can set values to receive in the external risk score and the corresponding value\u00a0of the rule should be added to the Adyen risk score. For example, an external value of 5 may add 40 to the Adyen risk score. This setting is an exact match.\u00a0<\/p>","url":"https:\/\/docs.adyen.com\/risk-management\/configure-manual-risk\/external-risk-rules","articleFields":{"description":"Use scores and results from other third-party risk mitigation systems with RevenueProtect.  ","robots":"noindex,nofollow","id":"25135400","type":"page","_expandable":{"operations":""},"status":"current","last_edit_on":"24-10-2019 12:56"},"algolia":{"url":"https:\/\/docs.adyen.com\/risk-management\/configure-manual-risk\/external-risk-rules","title":"External risk rules","content":"\nExternal risk rules are being deprecated.\n\nContact our Support Team to turn on these checks and coordinate with the third-party.\nGerman SCHUFA Check\n\n    \n        Deprecated\n    \n\n\nSCHUFA (Schutzgemeinschaft f\u00fcr allgemeine Kreditsicherung) is a German private credit bureau. Adyen's risk management lets you check shoppers credentials against the SCHUFA database for German SEPA transactions.\n\nYou have to include the parameters  billingAddress,  dateOfBirth, and  shopperName in the payment request for this check to work.\n\nThe risk rule has filters that let you target high-value\/high-risk transactions:\n\n\nTransaction amount:\u00a0You enter a transaction amount in minor units above which SEPA payments will be checked against the SCHUFA database.\n\n\nSCHUFA thresholds: You specify two separate thresholds and assign a risk score for each; one for moderate risk and one for high risk.\n\n\nWhen the rule triggers, SCHUFA responds with a value associated with the shopper. When both of the thresholds you set are applicable based on the SCHUFA response, the highest of these scores is used for the risk rule.\nFor example, when you set moderate risk to A with a risk score of 10, and set high risk to E with a risk score of 20, a response of:\n\nA or above returns a risk score of 10. This is the base rule setting.\nE or above returns a risk score of 20. This is the base rule setting.\nC returns a risk score of 10.\nM returns a risk score of 20.\n\n\n\n\nSCHUFA Response\nRisk Score\nRiskiness\n\n\n\n\nP\n97.79%\nHigh\n\n\nO\n79.10%\n\u00a0\n\n\nN\n49.16%\n\u00a0\n\n\nM\n40.96%\nMedium\n\n\nL\n22.96%\n\u00a0\n\n\nK\n18.52%\n\u00a0\n\n\nI\n14.65%\n\u00a0\n\n\nH\n10.99%\n\u00a0\n\n\nG\n6.84%\nLow\n\n\nF\n4.11%\n\u00a0\n\n\nE\n2.67%\n\u00a0\n\n\nD\n1.80%\n\u00a0\n\n\nC\n1.36%\n\u00a0\n\n\nB\n0.92%\n\u00a0\n\n\nA\n0.44%\n\u00a0\n\n\n\nAirline Perseuss External Referral Check\n\n    \n        Deprecated\n    \n\n\nPerseuss is an airline-specific risk mitigation system. You can call Perseuss and receive a risk score for the transaction, which affects the Adyen risk score.\nGeneric External Risk Score\n\n    \n        Deprecated\n    \n\n\nThis check takes a score submitted in the payment request and uses it to change the Adyen risk score. Use this if you are using a separate risk system. The external score must be calculated before the payment request is submitted (pre-auth).\nYou can set values to receive in the external risk score and the corresponding value\u00a0of the rule should be added to the Adyen risk score. For example, an external value of 5 may add 40 to the Adyen risk score. This setting is an exact match.\u00a0","type":"page","locale":"en","boost":17,"hierarchy":{"lvl0":"Home","lvl1":"Risk management","lvl2":"Configure classic risk profiles","lvl3":"External risk rules"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/","lvl1":"https:\/\/docs.adyen.com\/risk-management","lvl2":"https:\/\/docs.adyen.com\/risk-management\/configure-manual-risk","lvl3":"\/risk-management\/configure-manual-risk\/external-risk-rules"},"levels":4,"category":"Risk Management","category_color":"green","tags":["External","rules"]},"articleFiles":{"schufa-risk-check.png":"<img alt=\"\" src=\"https:\/\/docs.adyen.com\/user\/pages\/docs\/10.risk-management\/04.configure-manual-risk\/04.external-risk-rules\/schufa-risk-check.png\" \/>"}}