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adyen

The payment was refused: Risk Score 100+

While testing the integration of an Adyen library/SDK the payment can be declined even when using the Adyen Test cards.
The setup and code are correct, however the risk score is 100 or more.

Is it possible to control/disable the Risk Rules so the integration can be tested without being affected by the risk factors?

Solution

  • There are 2 options to disable the Risk Rules. It is recommended to do this only when necessary (ie for example at the start of implementing the integration with Adyen, but then make sure to test with the Risk Rules enabled)

    Skip risk rules

    During your development/testing you can instruct the platform to skip risk checks (https://docs.adyen.com/risk-management/skip-risk-rules), by adding riskdata.skipRisk as additionalData of the payment request, for example when you initiate the session

    amount: { 
   currency: "EUR", 
   value: 1000
},
merchantAccount: "xyz",
reference: "abc",
additionalData: {
   "riskdata.skipRisk": true
}

    The transaction will always have a Risk Score equals to 0.

    Disable Risk Profile

    Access the Risk Settings (if you are a Risk Admin) and turn off completely the Risk system (https://docs.adyen.com/risk-management/configure-risk-settings)