Fraud Detection & Risk Scoring in Ruby

Returns a score (0–100) and a human risk_level, plus the factors that drove it. Use risk_score for the caller's IP.

client = Ipapi::Client.new(api_key: ENV.fetch("IP_API_IO_KEY"))

risk = client.risk_score_ip("185.220.101.1")

puts risk.score      # 88
puts risk.risk_level # "high"
if risk.factors.ip
  puts "#{risk.factors.ip.tor_node?} #{risk.factors.ip.datacenter?}"
end

if risk.score >= 75
  # block, or send to manual review / step-up auth
end

Same 0–100 scale, driven by email signals (disposable provider, invalid syntax). Use it to grade leads or gate sign-ups by address quality.

risk = client.email_risk_score("user@mailinator.com")

puts "#{risk.score} #{risk.risk_level}" # 90 high
puts risk.factors.email.disposable? if risk.factors.email # true

Returns the underlying reputation data for an IP as a hash — use it when you want the source signals rather than a computed score.

reputation = client.ip_reputation("185.220.101.1")
puts reputation