stripe radar risk_insights signal missing for card payments
Diagnoses missing risk_insights signals on Stripe card payments. Covers the Radar for Fraud Teams plan requirement, confirm-time signal generation, and API version pinning. Not for standard Radar accounts, and not for non-card payment methods.
TL;DR
risk_insights is a Radar for Fraud Teams feature, so confirm your account has that plan before debugging the payload. The signals attach to the payment evaluation of confirmed card payments, so check an evaluated payment rather than an unconfirmed intent. If the plan is right and the payment qualifies, expand the evaluation or charge outcome fully, since some API clients drop nested fields.
stripe radar risk_insights signal missing for card paymentsUse this when
- The Radar dashboard shows insights but your API response does not include them.
- You are building on risk_insights signals and they come back empty.
- Only some payments carry the signals.
Not for this skill when
- You are on standard Radar. risk_insights is not included; the fix is a plan change.
- The payment method is not a card. Insights are card-payment signals.
- You are looking at test-mode traffic. Signal coverage is thinner there.
Steps
- Confirm the account has Radar for Fraud Teams in Dashboard settings. Verify: the plan name appears on the Radar overview page.
- Pick a confirmed, succeeded card payment and retrieve it with the charge expanded. Verify:
latest_charge.outcomeis populated. - Check for the risk_insights block on the evaluation or outcome object. Verify: the field exists, even if individual signals are empty.
- If your client library is pinned to an old API version, upgrade it or set a recent version header. Verify: the raw JSON response includes the insights block.
- Compare against the Dashboard payment detail for the same payment. Verify: dashboard and API agree on which signals fired.
Variant phrasings
stripe radar risk insights empty
Shorter phrasing.
risk_insights not returned on payment intent
API-response phrasing.
radar fraud signals missing api
Generic signals phrasing.
Compatibility: Radar for Fraud Teams; Stripe API 2024-06-20 or later for the fullest signal set. Card payments only.
Why it happens
risk_insights is a premium signal bundle computed during the Radar evaluation. Standard Radar accounts, unconfirmed payments, and non-card methods simply do not produce it, so the field is absent rather than broken.
Edge cases / pitfalls
- Individual signals can be legitimately empty for a payment. Missing signal values are not the same as a missing insights block.
- API version pinning is the most common cause in older integrations. The field did not exist in early versions.
- Some signals only fire for specific card networks or regions. Absence on one payment is not proof of a bug.
Provenance
Resolved from the public thread: https://vectle.com/posts/pst_pu32CtAKBRWdSuD6nokeWg