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  Documentation

Standalone risk

Our standalone risk solution allows you to make risk only calls to the Adyen payments platform. This allows you to use our risk system, even if the payment is being processed by another PSP.

Standalone risk

Our standalone risk solution allows you to make risk only calls to the Adyen payments platform. This allows you to use our risk system even if the payment is being processed by another PSP.

We designed message formats to match those required for a PaymentRequest. There are some minor differences in the fields sent, and requests are sent to the /riskOnly endpoint rather than the /authorise endpoint.

Adyen’s standalone risk solution is primarily designed for credit card payments and PayPal, but other payment methods can be made available upon request.

riskOnly calls should not be captured manually as they will be captured automatically by the Adyen payments platform.

Credit/debit cards

Depending on your level of PCI compliance, you can submit card numbers in the following formats:

  1. Full PAN
  2. Tokenized card number
  3. Masked card number (coming soon)

To perform a risk check on an authorised payment, submit requests to the /riskOnly endpoint. If the transaction is flagged as risky, you can go to your PSP and refund it. Even if the transaction is rejected, send us the details and we will use it for future screening.

For a list of Standalone Risk Request fields, see Standalone risk fields.

For risk calls you should send as much data as possible. For a comprehensive list of all fields, see the RiskData section of our API reference.

Full PAN request

 {  
   "card":{  
      "number":"4111111111111111",
      "holderName":"John Smith"
   },
   "amount":{  
      "value":1500,
      "currency":"EUR"
   },
   "additionalData":{  
      "cvcResultRaw":"M",
      "avsResultRaw":"M",
      "threeDAuthenticated":"true",
      "threeDOffered":"true"
   },
   "reference":"YOUR_REFERENCE",
   "merchantAccount":"YOUR_MERCHANT_ACCOUNT"
}

Tokenised PAN request

{  
   "amount":{  
      "value":1500,
      "currency":"EUR"
   },
   "selectedBrand":"risk",
   "additionalData":{  
      "risk.token":"token123",
      "cvcResultRaw":"M",
      "avsResultRaw":"M",
      "threeDAuthenticated":"true",
      "threeDOffered":"true",
      "bin":"123456"
   },
   "reference":"YOUR_REFERENCE",
   "merchantAccount":"YOUR_MERCHANT_ACCOUNT"
}

PayPal request

{
   "selectedBrand":"paypal",
   "additionalData":{
      "tokenDataType":"PayPal",
      "PayPal.ProtectionEligibility":"Eligible",
      "PayPal.PayerId":"XCXCXCXC12345",
      "PayPal.TransactionId":"9645281267225",
      "PayPal.CountryCode":"NL",
      "PayPal.FirstName":"Simon",
      "PayPal.LastName":"Hopper",
      "PayPal.Phone":"0612312312",
      "PayPal.EmailId":"s.hopper@test.com"
   },
   "amount":{
      "value":8750,
      "currency":"EUR"
   },
   "telephoneNumber":"0678978978",
   "reference":"MERCHANT_REFERENCE",
   "merchantAccount":"MERCHANT_ACCOUNT"
}

Response

{
   "additionalData":{
      "liabilityShift":"false",
      "fraudResultType":"AMBER",
      "fraudManualReview":"true",
      "threeDOffered":"true",
      "refusalReasonRaw":"AUTHORISED",
      "avsResultRaw":"M",
      "threeDAuthenticated":"true",
      "cvcResultRaw":"M"
   },
   "fraudResult":{
      "accountScore":10,
      "results":[
         {
            "FraudCheckResult":{
               "accountScore":0,
               "checkId":1,
               "name":"PaymentDetailRefCheck"
            }
         },
         {
            "FraudCheckResult":{
               "accountScore":0,
               "checkId":15,
               "name":"IssuingCountryReferral"
            }
         },
         {
            "FraudCheckResult":{
               "accountScore":10,
               "checkId":63,
               "name":"TransactionAmountCheck"
            }
         }
      ]
   },
   "pspReference":"8814689190961342",
   "resultCode":"Authorised",
   "authCode":"83152"
}