# Identity Insights Risk Score
source: https://developer.mastercard.com/identity-insights-solutions/documentation/products/identity-insights-risk-score/index.md

## Overview  {#overview}

Mastercard Identity Insights Risk Score (IIRS) delivers a real-time, Machine-Learning (ML) powered risk score that provides businesses with insight into how Mastercard views the riskiness of an identity.

IIRS enables businesses to increase the accuracy of their risk decisioning. IIRS is built on the core identity attributes of name, email, phone, address, IP, device, and payment. A global identity network of over 9 billion identity elements, and over 35 billion digital interactions, powers IIRS. Mastercard IIRS provides a single, intuitive score that helps merchants and their partners make faster, more confident risk decisions during the transaction flow.
Note: IIRS is only available to Mastercard merchants and acquirers in the following countries: United States, South Africa, Egypt, Saudi Arabia, Qatar, Kuwait, United Arab Emirates.

## Key Features {#key-features}

#### Identity Insights Risk Score {#identity-insights-risk-score}

A two-digit reason code explains what aspect of the identity is driving the score. The reason code is determined based on an assessment of which features carry the greatest influence on the score, giving fraud, and risk teams, immediate, interpretable context for their decisions.

#### Reason code {#reason-code}

A two-digit reason code that explains what is driving the score accompanies IIRS. The reason code reflects all the dynamic signals generated within the model based on the transaction inputs, are weighted by impact, and listed in order of importance --- giving fraud and risk teams immediate, interpretable context for their decisions. 

## Good to Know {#good-to-know}

* IIRS is only available to Mastercard merchants and acquirers in eligible territories tied to a Digital Fee. 
* Review [API Basics](https://developer.mastercard.com/identity-insights-solutions/documentation/api-basics/index.md) for details on authentication and encryption.
* Review [Use Cases](https://developer.mastercard.com/identity-insights-solutions/documentation/use-cases/_index/index.md) to establish the sequence of calls.
* Try the reference app in the sandbox environment and receive mocked responses.
* Follow the Quick Start Guide to begin onboarding.

## Error Resolution {#error-resolution}

For details on error resolution refer to our [Code and Formats](https://developer.mastercard.com/identity-insights-solutions/documentation/code-and-formats/index.md) section.

## Next Steps {#next-steps}

Now that you have an understanding of what the service does, proceed to the [API Basics](https://developer.mastercard.com/identity-insights-solutions/documentation/api-basics/index.md) section for details on authentication and encryption.