Cards, Banks and Payments Risk Evaluation
Attention: Circle is longer supporting new customers for card payments via our Payments API. For any questions, please reach out to [email protected].
What is “Risk Evaluation”?
When you create a card, a bank account or process a payment with Circle Payments APIs, the response will include a riskEvaluation
section.
Risk Evaluation is the response for the check that is executed by Circle's Risk Service. The Risk Service automatically runs checks for every card, bank account and payment.
In the current version of this risk evaluation, this data element will only be present in the response in situations where the decision made by Circle's Risk Service is denied
. We plan to subsequently launch additional Risk Management features which will see the expansion of the risk evaluation to decisions other than denied
and also to an asynchronous mode.
When Circle's Risk Service sets the status of a card, bank account or payment to denied
you should receive a response similar to below:
"riskEvaluation": {
"decision": "denied",
"reason": "3000"
},
As you can see, the data element contains two fields:
Field | Data Type | Description |
---|---|---|
decision | String (enumerated) | The decision made by Circle's Risk Service for this risk evaluation. denied is the only possible value in the current version of the service. |
reason | Integer | The reason for the decision. The reason codes are explained in detail below. |
Risk Evaluation: Denied Reason Codes
Below are the current reason code categories (or buckets) you will find in the risk evaluation responses.
Reason Code Category (Bucket) | Explanation | Category Code Range |
---|---|---|
Circle Blocked | Fiat Account / Payment contains criteria that Circle is unable to support at this time. E.g. Prohibited Country. | 3000-3099 |
Processor / Issuing Bank | Fiat Account / Payment creation contains criteria that Circle's partner processor or the Issuing Bank are unable to accept. E.g. unsupported issuer country, authorization failure. | 3100-3199 |
Regulatory Compliance Intervention | Interventions by Circle Risk Service due to legal & regulatory compliance requirements. E.g. KYC verification limits. | 3200-3299 |
Fraud Risk Intervention | Fiat Account / Payment creation was actioned by Circle's Risk Service due to identified fraud management issues. E.g. Excessive Chargeback Rates, Immediate Fraud Pressure. | 3300-3499 |
Customer Configuration | Unsupported Fiat Account / Payment creation was actioned by Circle's Risk Service due to customer configuration or request. E.g. Block Issuer Country, Block Card Type, etc. | 3500-3599 |
Customer Configuration | Fraud Fiat Account / Payment creation was actioned by Circle's Risk Service due to customer configuration or request. E.g. User was added to watchlist | 3600-3699 |
The specific reason codes that apply currently are documented below.
Reason Code | Explanation |
---|---|
Circle Blocked | |
3000 | Default |
3001 | Prohibited Issuer (Bank) Country |
3002 | Prohibited Billing Address Country |
3020 | Fiat Account Denied (See Fiat Account for Reason) |
3022 | Fiat Account (Card) Evaluation Timeout. We recommend retrying. |
3023 | Fiat Account (Bank Account) Evaluation Timeout. We recommend retrying. |
3026 | Fiat Account in Unverified State. |
3027 | Fiat Account in Suspended State. |
3030 | Unsupported Bank Account Routing Number (rtn) |
3040 | Unsupported Activity Type |
3050 | Customer suspended from Payment Processing |
3070 | Transaction exceeds the risk limits |
3071 | Limit for Daily Aggregate exceeded (email) |
3072 | Limit for Daily Aggregate exceeded (fiat) |
3075 | Limit for Weekly Aggregate exceeded (email) |
3076 | Limit for Weekly Aggregate exceeded (fiat) |
Regulatory Compliance Intervention | |
3200 - 3202 | Unsupported Criteria |
3210 | Withdrawal Limit Exceeded (7 Day Default Payout Limit) |
3211 | Withdrawal Limit Exceeded (7 Day Custom Payout Limit) |
3220 | Compliance Limit Exceeded |
Fraud Risk Intervention | |
3300 - 3309 | Transaction Declined by Circle Risk Service. Please reach out to [email protected] for more information |
3310 | Fiat Account directly associated with fraudulent activity |
3311 | Email Address directly associated with fraudulent activity |
3320 | Fiat Account associated with network fraud notification |
3321 | Email Account associated with network fraud notification |
3330 | Fiat Account flagged by Risk Team |
3331 | Email Account flagged by Risk team |
3340 | Fiat Account linked to previous fraudulent activity |
3341 | Email Address linked to previous fraudulent activity |
3350 | 3DS authentication is required for this transaction |
Processor / Issuing Bank | |
3100 | Unsupported Return Code Response from Processor / Issuing Bank - Default |
3101 | Invalid Return Code Response from Issuing Bank E.g Invalid Card |
3102 | Fraudulent Return Code Response from Issuing Bank E.g Pickup Card |
3103 | Redlisted Entity Return Code Response from Processor E.g Card Redlisted |
3104 | Account associated with an invalid ACH RTN |
3105 | Expired Card |
3150 | Administrative return from ODFI / RDFI |
3151 | Return indicating ineligible account from customer / RDFI |
3152 | Unsupported transaction type return from customer / RDFI |
Customer Configuration - Unsupported | |
3500 | Default |
3501 | Blocked Issuer (Bank) Country |
3502 | Blocked Billing Address Country |
3520 | Blocked Card Type E.g. Credit |
3530 - 3539 | Chargeback History on Circle Platform |
3540 - 3549 | Chargeback History on Customer Platform |
3550 | Blocked Fiat (Card) |
3551 | Blocked Email Address |
3552 | Blocked Phone Number |
Customer Configuration - Fraud | |
3600 - 3699 | Blocked by fraud watchlist |
If you are interested in some custom configurations, please contact the Circle Risk team.
Updated 9 months ago