Stripe evaluates the risk level for each payment in real-time. It uses hundreds of signals about each payment, and taps into data across our network of millions of businesses, to predict whether a payment is likely to be fraudulent.

Stripe evaluates the likelihood that a payment is fraudulent. This judgment can take one of five values:

Each payment includes information on the outcome of our risk evaluation.

Stripe reports payments as high risk when we believe they’re likely to be fraudulent. Payments of this risk level are blocked by default.

If Stripe Radar ever blocks a payment that you know is legitimate, you can remove the block using the Dashboard. To do this, view the payment in the Dashboard and click Add to allow list. Adding a payment to the allow list doesn’t retry the payment, but it does prevent Stripe Radar from blocking future payment attempts with that card or email address.

Elevated risk payments have an increased chance of being fraudulent. Stripe allows payments of this risk level by default. Stripe Radar for Fraud Teams automatically places elevated-risk payments into your review queue so you can take a closer look.

Payments with a normal risk evaluation have fewer characteristics that are strongly indicative of fraud than payments with elevated or high risk levels. However, we recommend that you continue to be vigilant when fulfilling these orders. Payments that have normal risk can still turn out to be fraudulent and there are other possible types of fraud that can occur later on in the order process.

The Risk level is set for for non-card payments, card-based payments predating the public assignment of risk levels, and for payments where the merchant opts out of Radar fraud risk assessment.

In unusual cases, an error might cause risk evaluation to fail. In this case, Stripe reports the payment as having unknown risk.

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