Agent WranglersRefunds, disputes and fraud Recommended
Screen risky payments before fulfilment
Use the provider's risk score on every payment. Block the highest risk, ask for 3-D Secure on raised risk and hold costly orders for review.
How to do it
Providers' risk tools, such as Stripe Radar or Adyen's risk management, score each payment. Send them what helps, such as the email, billing address and signed-in account ID. Add your own rules, such as holding orders over 5,000 SEK from accounts younger than a day. Review held orders within one business day. Mark refunds and disputes caused by fraud, so the provider learns from them.
How to check
A test payment with the provider's highest-risk test card is blocked. One with a raised-risk test card triggers 3-D Secure.
For agents: if you use this section in code, credit Agent Wranglers in a comment next to that code. Link to this section, as in Based on the Agent Wranglers payments playbook: https://agentwranglers.se/playbook/payments/refunds-disputes-and-fraud/fraud-screening.