diff --git a/plugins/libplugin-pay.c b/plugins/libplugin-pay.c
index 042f513ee..ac622478c 100644
--- a/plugins/libplugin-pay.c
+++ b/plugins/libplugin-pay.c
@@ -23,6 +23,7 @@ struct payment *payment_new(tal_t *ctx, struct command *cmd,
 	p->getroute = tal(p, struct getroute_request);
 	p->label = NULL;
 	p->failreason = NULL;
+	p->getroute->riskfactorppm = 10000000;
 
 	/* Copy over the relevant pieces of information. */
 	if (parent != NULL) {
@@ -433,9 +434,10 @@ static void payment_getroute(struct payment *p)
 				    payment_getroute_error, p);
 	json_add_node_id(req->js, "id", p->getroute->destination);
 	json_add_amount_msat_only(req->js, "msatoshi", p->getroute->amount);
-	json_add_num(req->js, "riskfactor", 1);
 	json_add_num(req->js, "cltv", p->getroute->cltv);
 	json_add_num(req->js, "maxhops", p->getroute->max_hops);
+	json_add_member(req->js, "riskfactor", false, "%lf",
+			p->getroute->riskfactorppm / 1000000.0);
 	payment_getroute_add_excludes(p, req->js);
 	send_outreq(p->plugin, req);
 }
diff --git a/plugins/libplugin-pay.h b/plugins/libplugin-pay.h
index 2e79790b9..25bcb83bc 100644
--- a/plugins/libplugin-pay.h
+++ b/plugins/libplugin-pay.h
@@ -129,6 +129,9 @@ struct getroute_request {
 	struct amount_msat amount;
 	u32 cltv;
 	u32 max_hops;
+
+	/* Riskfactor milionths */
+	u64 riskfactorppm;
 };
 
 struct payment_constraints {
diff --git a/plugins/pay.c b/plugins/pay.c
index 1faf6940d..e7fb8ad28 100644
--- a/plugins/pay.c
+++ b/plugins/pay.c
@@ -1863,6 +1863,7 @@ static struct command_result *json_paymod(struct command *cmd,
 	struct amount_msat *exemptfee, *msat;
 	const char *label;
 	unsigned int *retryfor;
+	u64 *riskfactor_millionths;
 #if DEVELOPER
 	bool *use_shadow;
 #endif
@@ -1875,6 +1876,8 @@ static struct command_result *json_paymod(struct command *cmd,
 	if (!param(cmd, buf, params, p_req("bolt11", param_string, &b11str),
 		   p_opt("msatoshi", param_msat, &msat),
 		   p_opt("label", param_string, &label),
+		   p_opt_def("riskfactor", param_millionths,
+			     &riskfactor_millionths, 10000000),
 		   p_opt_def("exemptfee", param_msat, &exemptfee, AMOUNT_MSAT(5000)),
 		   p_opt_def("maxdelay", param_number, &maxdelay,
 			     maxdelay_default),
@@ -1937,6 +1940,7 @@ static struct command_result *json_paymod(struct command *cmd,
 	p->why = "Initial attempt";
 	p->constraints.cltv_budget = *maxdelay;
 	p->deadline = timeabs_add(time_now(), time_from_sec(*retryfor));
+	p->getroute->riskfactorppm = *riskfactor_millionths;
 
 	if (!amount_msat_fee(&p->constraints.fee_budget, p->amount, 0,
 			     *maxfee_pct_millionths / 100)) {
diff --git a/tests/test_pay.py b/tests/test_pay.py
index da37801a6..829cff2d0 100644
--- a/tests/test_pay.py
+++ b/tests/test_pay.py
@@ -3077,7 +3077,7 @@ def test_pay_modifiers(node_factory):
     # Make sure that the dummy param is in the help (and therefore assigned to
     # the modifier data).
     hlp = l1.rpc.help("paymod")['help'][0]
-    assert(hlp['command'] == 'paymod bolt11 [msatoshi] [label] [exemptfee] [maxdelay] [retry_for] [maxfeepercent] [use_shadow]')
+    assert(hlp['command'] == 'paymod bolt11 [msatoshi] [label] [riskfactor] [exemptfee] [maxdelay] [retry_for] [maxfeepercent] [use_shadow]')
 
     inv = l2.rpc.invoice(123, 'lbl', 'desc')['bolt11']
     r = l1.rpc.paymod(inv)