---
title: "Create and assign risk profiles"
description: "Create risk profiles to manage risk."
url: "https://docs.adyen.com/risk-management/create-a-risk-profile"
source_url: "https://docs.adyen.com/risk-management/create-a-risk-profile.md"
canonical: "https://docs.adyen.com/risk-management/create-a-risk-profile"
last_modified: "2020-03-04T14:16:00+01:00"
language: "en"
---

# Create and assign risk profiles

Create risk profiles to manage risk.

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

Risk profiles let you manage which risk rules you apply to payments made on a merchant account.

When you use Protect, Adyen's risk management tool, and you have configured your [risk settings](/risk-management/configure-risk-settings), you can create and use risk profiles. Each risk profile contains a set of risk rules and profile settings.

You set up and configure risk profiles on your company account, and you can [assign a profile](#set-a-risk-profile-as-default-action) to one or multiple merchant accounts. When you configure risk management for the first time, a default risk profile is available to help you get started.

## Requirements

Before you begin, take into account the following requirements and limitations.

| Requirement                                          | Description                                                                                                                                                                                                                                  |
| ---------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Integration type**                                 | Make sure that you have built an [online payments integration](/online-payments/build-your-integration/) and that [risk management is enabled](/risk-management/configure-risk-settings/).                                                   |
| **[Customer Area roles](/account/user-roles/#risk)** | Make sure that you have one of the following role(s):- **Merchant change risk settings**
- **Risk admin**                                                                                                                                    |
| **Limitations**                                      | Some risk profile features are only available when you [enable premium features](#risk-profile-basic-premium). There are different considerations for creating a [risk profile for in-person payments](/point-of-sale/risk-management-pos/). |

## Risk profile

What is included in your risk profile depends on whether you use Protect basic, or if you have enabled premium features in the risk settings.

| 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                     |
|                                         | 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                                                        |

## Create a risk profile

You can use the default risk profile, configure it, and assign it to all your merchant accounts. If you want to create one or more additional risk profiles with different settings, you can create new risk profiles.

To create a risk profile:

1. Log in to your [Customer Area](https://ca-test.adyen.com/) with your company account.
2. Go to **Revenue & risk** > **Risk profiles**.
3. Select **Create new profile**.
4. In the **Profile name**, type a name for the new risk profile. Then, from the **Based on profile** drop down, select the risk profile that will be the template for your new profile.
5. Select **Create**. Refresh the page to see your changes.

After you create a risk profile, you can [configure risk rules](/risk-management/configure-your-risk-profile) for that profile, and you can:

* [Assign the risk profile to one or more merchant accounts](#set-a-risk-profile-as-default-action).
* (Optional) Find the risk profile reference to [assign a risk profile to a payment](#dynamically-assign-a-risk-profile-to-a-payment).

## Assign a risk profile to a merchant account

You can use the default risk profile for all your merchant accounts, or create different risk profiles with different rules and settings for some of your merchant accounts.

To assign a risk profile to a merchant account:

1. Open the [profile you created](#create-a-risk-profile-action).
2. Select **Edit profile**.
3. Under **Merchant accounts**, select merchant accounts from the list.
4. Select **Save changes**.

## Assign a risk profile to a payment

You have the option to override the risk profile that is assigned to a merchant account if you want to use a different risk profile for a specific payment. To do this, you provide the risk profile reference in the payment request.

If you do not provide a risk profile reference in your payment request, the merchant account's default risk profile will be applied to the payment.

To assign a specific risk profile to a payment:

1. Log in to your [Customer Area](https://ca-test.adyen.com/) with your company account, go to **Revenue & risk** > **Risk profiles**, and look up the unique reference of the risk profile that you want to use for the payment. You can find the risk profile reference in the profile overview when you select a risk profile.

2. In payment request, add a `riskData.profileReference` field and set it to the profile's unique reference.

   Select which endpoint you use to send in payment requests:

   ### Tab: `/sessions`

   Using the [/sessions](https://docs.adyen.com/api-explorer/Checkout/latest/post/sessions) endpoint:\
   Provide the [profileReference](https://docs.adyen.com/api-explorer/Checkout/latest/post/sessions#request-riskData-profileReference) in the [riskData](https://docs.adyen.com/api-explorer/Checkout/latest/post/sessions#request-riskData) object.

   **Example /sessions request using a risk profile reference**

   ```json
   {
       "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
       "reference":"YOUR_PAYMENT_REFERENCE",
       "shopperReference":"YOUR_UNIQUE_SHOPPER_ID",
       "shopperEmail":"s.hopper@example.com",
       "amount":{
            "value":1000,
            "currency":"EUR"
       },
       "riskData":{
            "profileReference":"9915885795954734"
       }
   }
   ```

   ### Tab: `/payments`

   Using the [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) endpoint:\
   Provide the [profileReference](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-riskData-profileReference) in the [riskData](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-riskData) object.

   **Example /payments request using a risk profile reference**

   ```json
   {
       "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
       "reference":"YOUR_PAYMENT_REFERENCE",
       "shopperReference":"YOUR_UNIQUE_SHOPPER_ID",
       "shopperEmail":"s.hopper@example.com",
       "shopperIP":"61.294.12.12",
       "amount":{
            "value":1000,
            "currency":"EUR"
       },
       "paymentMethod": {
            "type": "scheme",
            "encryptedCardNumber": "test_4111111111111111",
            "encryptedExpiryMonth": "test_03",
            "encryptedExpiryYear": "test_2030",
            "encryptedSecurityCode": "test_737"
       },
       "riskData":{
            "profileReference":"9915885795954734"
       }
   }
   ```

## Next steps

[Configure your risk profile](/risk-management/configure-your-risk-profile)

[Configure a risk profile to fit your business needs.](/risk-management/configure-your-risk-profile)
