Number Risk Score
Number Risk Score is a real-time API that returns a risk score for a given phone number. It analyzes first-party behavioral signals, phone number metadata, and historical patterns to assess whether a phone number is associated with fraudulent activity.
You send a phone number to the API and receive a score along with signal events that describe the risk factors detected. Use the score to approve, step up verification, or block interactions in your workflows. Number Risk Score complements your authentication, Know Your Customer (KYC), and fraud prevention systems rather than replacing them.
Number Risk Score requires explicit end-user consent before processing.
Get started with Number Risk Score
Use the following resources to start with Number Risk Score:
How it works
Number Risk Score evaluates phone numbers through the following flow:
Consent captured
The end user provides their phone number and explicit consent.
Number sent to the API
Your system sends the phone number to the Number Risk Score API.
Risk analyzed
Number Risk Score analyzes behavioral patterns, phone number metadata, and historical signals from the last 3 months.
Result returned
The API returns a risk level and signal events.
Decision applied
Your system uses the risk level to approve, step up, or block the interaction.
When a phone number has no usage history, Number Risk Score still returns a result. Missing data is treated as a risk signal. See How the risk level works for details.
Fraud use cases
Number Risk Score detects the following fraud types.
Detect artificially created identities that combine real and fabricated information to pass basic verification checks. Numbers that lack legitimate usage history receive a higher risk score.
Assess the creditworthiness of a phone number by combining tenure, trust, and behavioral signals to support lending and buy-now-pay-later decisions.
Detect unauthorized access attempts through SIM swapping, social engineering, and credential theft by identifying changes in phone number behavior.
Identify fake accounts created to exploit promotional programs and claim referral bonuses by detecting bulk registration patterns.
Additional resources
Explore more tools and documentation to help you plan, integrate, and support your Number Risk Score use case.
Essentials
Browse foundational guides for creating an account, managing users, setting up APIs, and ensuring connectivity in the Essentials hub.
Pricing
For pricing details, volume-based arrangements, and free trials, contact your account manager or Support.
Support center
Browse troubleshooting guides and frequently asked questions in the Support center.
Use case library
Explore real-world examples in the Use case library.