Risk Management
Control payment methods based on customer risk profile.
Scenario
Restrict payment methods for high-risk customers or orders.
Risk Indicators
| Indicator | Description |
|---|---|
| New Customer | No purchase history |
| High Order Value | Above threshold |
| Payment History | Past due invoices |
| Address Mismatch | Billing ≠ Shipping |
Profile Examples
High-Risk Profile
Profile: "Prepayment Only"
- Methods: Credit Card, PayPal
- Disable: Invoice, COD, Purchase Order
New Customer Profile
Profile: "New Customer"
- Methods: Prepayment only
- After X orders: Upgrade to standard
Conditions
IF customer.order_count = 0 THEN restrict_to: prepayment_methods IF order.grand_total >5000 AND customer.group != "Trusted" THEN disable: invoiceAutomatic Downgrade
Automatic downgrade/notification is an integration workflow pattern. Implement it with your CRM/ERP/automation stack if required.