Stop fraud without stopping good customers
Score every payment in real time, authenticate only when risk calls for it, and fight disputes with the evidence already gathered.
The problem
What gets in the way
Rules that block too much
Blunt rules decline whole countries or card types, and good customers go with them.
Chargebacks cost twice
You lose the goods and the money, then pay a fee and risk scheme monitoring programmes.
Models you can't see into
When a score is a black box, nobody can explain or tune a decision.
How it works
From order to decision to dispute
Recommended products
The products that do the work for Reduce fraud. Start with one, add the rest as you grow.
Customer story
Lumen Games
Digital Goods & Gaming
11
new markets in one quarter · Illustrative
Local wallets were the unlock in Korea and Japan. Fraud Shield kept chargebacks flat while we grew.
Aiko Tanaka, Payments Lead Read the story: Lumen Games
Payment methods that matter here
Methods with strong built-in authentication carry less fraud risk.
Method availability in the prototype is illustrative.
Compliance notes
- Liability shift after authentication depends on scheme rules and the transaction type.
- Automated decisions about individuals may be subject to data-protection rules on profiling.
- Card schemes run monitoring programmes for merchants with high fraud or dispute ratios.