Antifraud & risk scoring

Antifraud for payments

Fraud costs merchants twice: once in lost goods or services and again in chargebacks, fees and the risk of losing an acquiring account. This subsection lists vendors of payment fraud prevention and risk scoring for PSPs, merchants, exchangers and P2P operators.

Main approaches

• Rules engines: velocity limits, BIN and country checks, blacklists, amount thresholds. Transparent and fast to change.
• Machine-learning scoring: a risk score per transaction based on behaviour, history and consortium data.
• Device and behavioural signals: fingerprinting, emulator and proxy detection, typing and navigation patterns.
• Authentication: 3DS2 orchestration and step-up checks only for risky payments, to protect conversion.
• Manual review tools: case queues, analyst notes, link analysis between accounts.

Choosing an antifraud system

• Does it score cards only or also APMs, wallets and P2P transfers?
• Pre-authorisation decisions or post-factum monitoring only?
• False-positive rate and how easily you can tune rules yourself.
• Pricing: per API call, per approved transaction or flat monthly.
• Integration with your gateway, cashier or orchestration platform.
• Whether the vendor shares liability through a chargeback guarantee, and on what conditions.

Fraud, chargebacks and compliance

Antifraud overlaps with two neighbouring tasks. Chargeback management handles disputes after the fact, while AML & KYT and KYC & KYB cover regulatory checks of customers and funds. Many teams buy them from different vendors and connect them through one risk dashboard.

Using this page

Filter by GEO and vertical — high-risk merchants such as iGaming or dating need tuned models. Published pricing is in Offers; if you need a specific data source, post a request.