---
title: "Risk management"
description: "Use the Protect risk engine to minimize fraud and maximize authorization rates."
url: "https://docs.adyen.com/risk-management"
source_url: "https://docs.adyen.com/risk-management.md"
canonical: "https://docs.adyen.com/risk-management"
last_modified: "2019-10-08T12:18:00+02:00"
language: "en"
---

# Risk management

Use the Protect risk engine to minimize fraud and maximize authorization rates.

[View source](/risk-management.md)

##### Risk webinars

You can also learn how to use Adyen's fraud and dispute management tools in an upcoming risk webinar.\
[Sign up here](https://help.adyen.com/academy).

You can detect, monitor, and mitigate fraud using Protect, Adyen's risk management system.

Each payment goes through a risk evaluation. The risk evaluation reaches a decision that results in an action to block, allow, or review the transaction. This outcome is based on the risk settings on your account, the risk profile, and the risk rules on that profile.

Next to Protect, the risk management documentation also contains guidance to monitor and manage disputes.

## Risk engine

Protect, Adyen's risk engine, is enabled by default. You can enable premium features in the risk settings to get access to more functionality to help you further set up risk to fit your company's needs. When you configure risk management for the first time, a default risk profile is available to help you get started.

What risk functionality is included for you to configure and use in your risk setup depends on whether you use the basic risk engine, or have enabled premium features.

| Basic                                   | Premium                                                                          |
| --------------------------------------- | -------------------------------------------------------------------------------- |
| Block bot attacks                       | Block bot attacks                                                                |
| Adyen-provided risk lists               | Adyen-provided risk lists and custom lists                                       |
| Adyen-provided post-authorization rules | Adyen-provided post-authorization rules                                          |
| Dynamic 3D Secure                       | Dynamic 3D Secure in combination with custom rules and risk-based authentication |
| Risk & dispute management dashboard     | Risk & dispute management dashboard                                              |
|                                         | Machine learning powered fraud detection using global transaction data           |
|                                         | Create, backtest, and label custom rules with a rule builder interface           |
|                                         | Risk profile and rule analytics                                                  |
|                                         | Run risk experiments                                                             |
|                                         | Case management                                                                  |

## Data quality

Protect is part of Adyen Uplift. To ensure you get the most benefit from Adyen Uplift, we recommend that you send in as much high quality data as possible in your payment requests, and that you review the recommended and required integration options. By doing this, you unlock optimizations, insights, and recommendations that will help improve the risk evaluation, decrease cost, and increase conversion.

Sending in high quality data in your payment requests ensures that Protect's machine learning models can better recognize fraudulent as well as legitimate transactions. For example, the models can detect recent fraud on a shopper's email address or recognize a good shopper because of a recent in-person payment on a card on the Adyen platform.

[**Adyen Uplift**\
Learn about how different Adyen Uplift modules can help you strike a balance between conversion, risk, and cost.](/uplift/)

[**Adyen Uplift detailed requirements**\
Review the detailed Adyen Uplift requirements and recommended integration options.](/uplift/)

[**Data collection**\
Find out which data is collected for web integrations, and how it is used in the risk evaluation.](/risk-management/fraud-data-collection/)

[**Data quality and risk field reference**\
Find out which fields are important for the risk evaluation.](/risk-management/configure-your-risk-profile/risk-field-reference)

## Get started

Configure risk settings for your company, and then set up risk profiles with risk rules to fine-tune risk management for your business. Configuring risk settings and at least one risk profile is always needed, whether you have enabled premium features or not.

[required](/risk-management/configure-risk-settings)

[**Risk settings**\
Define how you want to handle risk for your company.](/risk-management/configure-risk-settings)

[required](/risk-management/create-a-risk-profile)

[**Set up a risk profile**\
Set up at least one risk profile.](/risk-management/create-a-risk-profile)

[**Configure your risk profile**\
Learn how you can fine-tune your risk profile by configuring risk rules.](/risk-management/configure-your-risk-profile)

## Customize Protect premium profiles

When you enable premium features, you can add and backtest custom rules to complement the fraud risk evaluation. You also get access to the **Machine learning: fraud risk** rule.

[**Custom risk rules**\
*Premium feature*\
Increase protection by building custom rules that complement the machine learning models.](/risk-management/configure-your-risk-profile/custom-rules)

[**Custom rule backtesting**\
*Premium feature*\
Simulate the performance of a custom rule based on historic data to build confidence before you enable or edit the rule.](/risk-management/configure-your-risk-profile/custom-rules#new-profile-backtest)

[**Machine learning rules**\
*Premium feature*\
Learn how to use and interpret the outcome of the **Machine learning: fraud risk** rule evaluation.](/risk-management/configure-your-risk-profile/machine-learning-rules)

## Analytics

Gather data to pinpoint potential improvements or monitor and find trends.

[**Risk & dispute management dashboard**\
Gain insights into trends and monitor your risk performance, chargeback and fraud rates, dispute management, and refund activity.](/risk-management/dispute-and-fraud-monitoring)

[**Run experiments**\
*Premium feature*\
Run experiments and evaluate the results to gradually roll out risk profile improvements based on real data.](/risk-management/run-ab-test-experiments)

## Extra risk management

Further increase protection against fraud by using optional risk features like case management and dynamic 3D Secure.

[**Case management**\
*Premium feature*\
To add an extra layer of fraud protection, you can set up case management to manually review certain transactions.](/risk-management/case-management)

[**Dynamic 3D Secure**\
Set up dynamic 3D Secure rules to get more control over which payments should be authenticated using 3D Secure.](/risk-management/dynamic-3d-secure)

## Disputes and chargebacks

Handle disputes and chargebacks. You can use the Customer Area, or handle the process using the Disputes API.

[**Understanding disputes**\
Learn how disputes work and how to defend them.](/risk-management/understanding-disputes)

[**Reason codes and defense requirements**\
Learn about dispute reason codes and which documents to provide to defend different types of disputes.](/risk-management/understanding-disputes/dispute-reason-codes)
