---
title: "Screen risky payments before fulfilment · Agent Wranglers"
url: https://agentwranglers.se/playbook/payments/refunds-disputes-and-fraud/fraud-screening
updated: 2026-10-20
licence: "All rights reserved"
---

# Screen risky payments before fulfilment

By Erik Bergstedt, Agent Wranglers. Updated 2026-10-20.

- Level: Recommended
- Chapter: [Refunds, disputes and fraud](https://agentwranglers.se/playbook/payments/refunds-disputes-and-fraud)
- Rule: 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: 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.
- 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`.

- Previous: [Stop card testing on your checkout](https://agentwranglers.se/playbook/payments/refunds-disputes-and-fraud/card-testing)
- Next: [Use a statement name customers recognise](https://agentwranglers.se/playbook/payments/refunds-disputes-and-fraud/statement-descriptor)
- [Refunds, disputes and fraud](https://agentwranglers.se/playbook/payments/refunds-disputes-and-fraud)