{"article":{"id":36105441358999,"url":"https://plaid.zendesk.com/api/v2/help_center/en-us/articles/36105441358999.json","html_url":"https://support.plaid.com/hc/en-us/articles/36105441358999-Does-a-high-risk-score-for-a-risk-category-e-g-Network-Risk-mean-the-session-will-fail-the-Risk-check-and-overall-verification","author_id":5390778350871,"comments_disabled":true,"draft":false,"promoted":false,"position":0,"vote_sum":0,"vote_count":0,"section_id":36096092362775,"created_at":"2025-11-04T20:18:50Z","updated_at":"2026-05-29T22:42:33Z","name":"Does a ‘high risk’ score for a risk category (e.g. Network Risk) mean the session will fail the Risk check and overall verification?","title":"Does a ‘high risk’ score for a risk category (e.g. Network Risk) mean the session will fail the Risk check and overall verification?","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-05-29T22:42:33Z","user_segment_id":null,"permission_group_id":1121794,"content_tag_ids":[],"label_names":[],"body":"

Not necessarily. Users will fail the Risk check and overall verification when their session doesn’t meet the Risk Rules configured in the session’s template. Each Risk category/attribute (Phone, Email, Network, Device, Behavior, Stolen Identity, Synthetic Identity, Facial Duplicate) can be configured to accept Low, Medium, or High risk scores. If during an IDV session, one of these categories is scored above the Acceptable Risk Level set for the category, it will fail the Risk check and verification.

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For example, this session had a High Network Risk Score:

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It failed the Risk check and verification because this template’s Risk Rules only accept Low Network risk:

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If the template had been configured as shown below, the session would have passed the Risk check and verification, since High Network risk would’ve been acceptable:

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