To enhance the effectiveness of review rules in Stripe's Radar for Fraud Teams, what should be implemented?

Implementing separate authorization and capture is an effective strategy for enhancing the review rules in Stripe's Radar for Fraud Teams. This approach allows businesses to authorize a payment initially and then capture the funds later. By doing this, you can assess the transaction's authenticity before committing to capturing the funds. This extra step is crucial in fraud prevention, as it provides time to evaluate the transaction further and reduce the likelihood of processing fraudulent payments.

When authorization and capture are separated, it allows for tighter control over which transactions are ultimately completed, thereby minimizing the risk associated with high-risk transactions. This means if a transaction is flagged for review, you can choose not to capture the funds after authorization if it appears suspicious.

The other strategies, while potentially beneficial in other contexts, do not directly enhance the review processes as effectively. Collecting additional user data may help in understanding customer behavior but does not inherently improve the fraud detection mechanism. Limiting payments to high-risk countries can reduce exposure to fraudulent transactions, but it is not a comprehensive solution on its own. Disabling automatic refunds might help reduce losses but could lead to customer dissatisfaction and does not actively prevent fraud.