Risk rating
Risk rating helps determine whether an account, beneficiary, route, or payment can proceed automatically or requires additional review.
Factors
Risk may be influenced by:
- Business type.
- Industry.
- Jurisdiction.
- Expected and actual transaction volume.
- Beneficial ownership structure.
- Payment purpose.
- Corridor.
- Beneficiary type.
- Historical activity.
- Screening results.
- Partner risk assessment.
Risk tiers
| Tier | Typical handling |
|---|---|
| Low | Standard limits and automated processing. |
| Medium | Additional monitoring or lower limits. |
| High | Enhanced due diligence, approvals, or restrictions. |
| Prohibited | Not supported. |
Dynamic changes
Risk rating may change over time based on new documents, volume changes, ownership changes, new corridors, alerts, or partner feedback.
Developer implications
Your integration should handle:
account.restrictedbeneficiary.requires_actionpayment.requires_actionpayment.faileddocument.required
Do not assume that a previously successful route will always remain available.