What happens to payments that meet certain risk criteria in Stripe's Radar?

Payments that meet certain risk criteria in Stripe's Radar are held for review. This feature is designed to protect both the merchant and the consumer by allowing the merchant a chance to review potentially risky transactions before processing them. When a payment is held for review, it does not get immediately authorized or declined; instead, it goes into a review process where it can be assessed based on various risk factors defined by Stripe's algorithms.

This review period provides an opportunity for merchants to evaluate the potential legitimacy of the transaction, ensuring that they have the ability to decline any fraudulent payments or accept those they believe to be valid. By implementing this review process rather than charging back or automatically approving transactions, Stripe helps mitigate the risk of fraud while giving merchants the final say on potentially suspicious transactions.