Understanding the "Why" Behind the Review
If your account is flagged for review, it’s usually not because you did something wrong—it’s because your business hit a "trigger" that Stripe’s automated risk engine is designed to notice. Understanding these thresholds allows you to manage them proactively.
- The 0.75% Dispute Zone: Stripe monitors your dispute rate closely. While the industry standard is 1%, Stripe’s risk engine often tightens its scrutiny when you cross the 0.75% mark.
- Velocity Spikes: A sudden jump in volume—like going from $5,000 to $25,000 in a single week due to a viral promotion—is a classic trigger. Stripe pauses to ensure these aren't fraudulent transactions or a compromised account.
- Lifetime Milestones: Certain regulatory requirements only kick in after you've processed a specific amount. For example, once you hit $10,000, $50,000, $500,000 in lifetime volume, Stripe is required to collect more detailed information from business owners, such as full Social Security Numbers or beneficiary information.
- Radar Risk Scores: Every transaction gets a risk score from 0 to 99. If too many of your payments hit a score of 65 or higher, they are sent for manual human review.
How Our App Helps: We track metrics that aren’t visible in the standard Stripe dashboard, such as your "weighted velocity" and "predicted dispute trend." If we see your volume spiking in a way that typically triggers a manual review, we’ll send you an anomaly alert so you can prepare your team.