# Riskified

**Canonical:** https://apis.io/providers/riskified/  
**Website:** https://www.riskified.com  
**APIs profiled:** 7

Riskified (NYSE RSKD) is an Israeli ecommerce risk-management platform that uses machine learning and a global merchant intelligence network to make sub-second decisions across the entire shopper journey. Its Chargeback Guarantee, Adaptive Checkout, Account Secure, Policy Protect, and Dispute Resolve products are exposed through a REST + webhook API surface at developers.riskified.com, covering pre-auth and post-auth order review, 3DS / PSD2 optimization, account integrity (login, password reset, customer create/update), claim adjudication for refund and return abuse, and an OTP service. Authentication is HMAC-SHA256 over the request body. Official SDKs ship for PHP, Java, and .NET, with iOS, Android, React Native, and Unity Beacon SDKs for device intelligence, plus first-party integrations for Shopify, Magento/Adobe Commerce, Salesforce Commerce Cloud, SAP Commerce / Hybris, commercetools, VTEX, Adyen, Braintree, PayPal, and Stripe.

## Kin Score — 34.7 / 100 (thin)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 34.7).

| Facet | Score |
|---|---|
| Discoverability | 64.8 |
| Contract Quality | 6.7 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 36.8 |
| Developer Ergonomics | 69.0 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Banking & Open Finance**: 31.6 (matched via tags).

## Agent readiness — 3.8 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | documented |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (7)

- **Riskified Chargeback Guarantee API** — Submit orders to Riskified for fraud and chargeback risk evaluation, in either a pre-authorization (Decide / Decision) or post-authorization (Submit / Decide) flow. Returns an A...
- **Riskified Adaptive Checkout API** — Recommend the optimal authentication path at checkout — friction-free, CVV, 3DS, or PSD2 exemption — to maximize approval rates while remaining SCA-compliant. The Advise endpoin...
- **Riskified Account Secure API** — Protect non-purchase customer journeys against account takeover, synthetic identity, and credential abuse. Submit Login, Reset Password, Customer Create, and Customer Update eve...
- **Riskified Policy Protect API** — Detect and prevent refund, return, and promotional abuse. Submit refund and return claims for adjudication (claim_create), retrieve Riskified's decision (claim_decision), and up...
- **Riskified OTP API** — Initiate a one-time password challenge as a step-up verification mechanism for high-risk login, password reset, or account modification events. Pairs with the Account Secure API...
- **Riskified Beacon (Device Intelligence) SDK** — Collect device, browser, and behavioral telemetry from the shopper's session and feed it into Riskified's risk models. The Beacon is delivered as a JavaScript snippet for web an...
- **Riskified Chargeback Gateway Integration (CGI) API** — Connect Riskified directly to a payment gateway (Adyen, Braintree, PayPal, Shopify Payments, Stripe) so chargeback notifications and evidence flow into the Dispute Resolve produ...

## Security (2)

- **Riskified Domain Security** — TLSv1.3 · HSTS · DMARC
- **Riskified Trust Center** — SOC 2, ISO 27001, ISO 27017, ISO 27018, GDPR

## Use cases (10)

- **Pre-authorization fraud screening at checkout with Riskified-guaranteed APPROVE / DECLINE decisions**
- **Post-authorization order review with asynchronous Submit and Decide flows**
- **PSD2 / SCA exemption optimization for European card payments**
- **3DS step-up routing for non-regulated geographies based on risk score**
- **Account takeover prevention across login, password reset, and customer profile updates**
- **Refund and return abuse detection with claim-level adjudication**
- **Automated chargeback representment through CGI connectors to Adyen, Braintree, PayPal, Shopify Payments, and Stripe**
- **Promotion and reseller abuse detection through Policy Protect**
- **High-friction step-up via OTP for high-risk recovery events**
- **Cross-channel device intelligence on web, iOS, Android, React Native, and Unity surfaces**

## Tags

Fraud, Fraud Prevention, Chargebacks, E-Commerce, Payments, Risk, Machine-Learning, Account Takeover, Policy Abuse, 3DS, PSD2, Returns

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/riskified/). Scores are computed from the provider's own public artifacts under a published rubric.