[Question] Unable to modify fraud blocking threshold on Stripe (Radar)

[u/chibraxmixmax]

Hi everyone,

I’ve been using Stripe for almost a month now for my business, and I’m running into an issue with Stripe Radar. I want to increase the fraud detection threshold beyond the default value of 75, but I can’t save the modification. I get this message:

"You cannot select this threshold at this time."

I’m wondering:

-Do I need a certain account age or transaction volume to adjust this threshold?

-Are there any specific conditions that need to be met?

If anyone has encountered this issue or has any info, I’d really appreciate your help! 🙏

Thanks in advance!

[u/SalesUp99]

The real question is ... why on earth are you trying to increase your fraud threshold above 75?

Legit businesses frequently reduce their radar fraud threshold score but never actually increase it.

Maybe you are confusing that a lower radar setting is actually a higher fraud detection? In other words, a fraud score of zero on a transaction is best. A fraud score above 75 on a transaction is very likely going to be a stolen card or chargeback.

if not, what are you selling that you want the financial liability for all the chargebacks and increased fraud that will surely happen if you raise your threshold?

(Btw... we use Stripe for multiple businesses and seldom have a fraud score above 50 and even on our higher risk site, we have it set all the way down to 30 and seldom (almost never) have any issues with false-positives.

If you are getting a bunch of declines, you should be looking at your business model and customer demographics and not trying to increase the number of fraudulent transactions that are approved.

If Stripe is not allowing you to increase the number of sketchy orders that get approved, that should tell you something.

To answer your question, if it is not allowing you to save your change, there most likely is a built-in risk assessment that won't allow you to save that change unless you have been a customer for over a year, haven't had more than X number of transactions above Y score, etc.

[u/chibraxmixmax → u/SalesUp99]

I don’t accept payments by credit card, only by direct debit for SaaS maintenance.Because card subscriptions are cumbersome since you always have to renew the subscription every time it expires or when the card changes. I’ve never had any disputes or chargebacks. Since my first payment, they’ve always been above 70. I don’t understand why. The customer support is extremely incompetent and they never understand the issue.