The content on this page applies to the latest risk engine. If you use the classic risk engine, refer to Create a risk profile (classic). See the risk management overview for the differences.
We are working on major improvements to the risk engine, and have started a gradual transition of all risk profiles to the latest risk engine. We will reach out to you before the transition.
Risk profiles let you manage which risk rules you apply to payments made on a merchant account.
When you use Adyen's risk management tool, and you have configured your risk settings you can create and use risk profiles. Each risk profile contains a set of risk rules and profile settings.
You set up and configure risk profiles on your company account, and you can assign a profile to merchant accounts.
Risk profile
What is included in your risk profile depends on whether you use our basic risk solution, or if you have enabled premium features.
The table shows the differences:
| Basic | Premium |
|---|---|
| Block bot attacks | Block bot attacks |
| Adyen provided block and trust lists | Adyen provided block and trust lists and custom lists |
| Dynamic 3D Secure | Dynamic 3D Secure in combination with custom rules |
| Machine learning powered fraud detection using Adyen-scale data | |
| Create, backtest and label custom rules with the rule builder | |
| Risk profile and rule analytics | |
| A/B test experiments | |
| Case management |
Create a risk profile
- Log in to your Customer Area with your company account.
- Go to Revenue & risk > Risk profiles.
- Select Create new profile.
- In the Profile name, type a name for the new risk profile. Then, from the Based on profile drop down, select the risk profile that will be the template for your new profile.
- Select Create. Refresh the page to see your changes.
When you select a risk profile, you can:
- Assign the risk profile to a merchant account.
- Configure the risk profile settings for case management.
- (Optional) Find the risk profile reference to assign a risk profile to a payment.
Assign a risk profile to a merchant account
You can use the default risk profile for all your merchant accounts, or create different risk profiles with different settings for some of your merchant accounts.
To assign a risk profile to a merchant account:
- Open the profile you created.
- Select Edit profile.
- Under Merchant accounts, select merchant accounts from the list.
- Select Save changes.
For larger lists, use the textbook to enter a comma-separated list.
Case management settings
When you enable premium features, you can use case management to manually review certain transactions before they are captured. In the risk settings, you define what actions you want to take when a transaction is sent to case management. When you create a risk profile, you can configure this case management setting:
Skip manual review on liability shift
This option on the risk profile lets you control whether transactions with liability shift are sent to case management. You can choose not to manually review cases where the liability has shifted to the issuing bank, for example when the shopper has authenticated by using 3D Secure.
Custom Review rules override Skip manual review on liability shift. The payment goes through 3D Secure and liability has shifted, but the payment still goes to case management.
Assign a risk profile to a payment
You have the option to override the risk profile that is assigned to a merchant account if you want to use a different risk profile for a specific payment.
If you do not provide a risk profile reference in your payment request, the merchant account's default risk profile will be applied to the payment. You can find the risk profile reference when you select a risk profile in your Customer Area.
To assign a specific profile to a payment, you provide the risk profile reference in the payment request. Select which endpoint you use to send in payment requests: