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<item><title><![CDATA[10 ecommerce fraud prevention tools (and the payment processors that use them)]]></title><description><![CDATA[Sift, Signifyd, SEON, and Riskified are some of the best ecommerce fraud prevention tools for online sellers. Here are 10 fraud prevention solutions, what they cost, and how to choose the right one for your business.]]></description><link>https://whop.com/blog/ecommerce-fraud-prevention-tools/</link><guid isPermaLink="false">6944a17f2ccdfc0001bca5ce</guid><category><![CDATA[Payments]]></category><dc:creator><![CDATA[Doğukan Karakaş]]></dc:creator><pubDate>Sat, 20 Dec 2025 23:09:11 GMT</pubDate><media:content url="https://whop.com/blog/content/images/2025/12/SecureCardPayment.jpeg" medium="image"/><content:encoded><![CDATA[ <!--kg-card-begin: html--> <div class="kg-card kg-cta-card kg-cta-minimal whop-key-takeaways" data-whop-key-takeaways="2025-12-21T06:00:37.692Z" data-layout="minimal"> <div class="kg-cta-content"> <div class="kg-cta-content-inner"> <div class="kg-cta-text"> <img src="https://whop.com/blog/content/images/2025/12/SecureCardPayment.jpeg" alt="10 ecommerce fraud prevention tools (and the payment processors that use them)"><p><strong>Key takeaways</strong></p> <ul><li>U.S. businesses lost over $114 billion to payment fraud in 2025, nearly 10% of annual revenue.</li><li>Sift leverages 1 trillion annual events and 1.6 billion digital footprints for AI-powered fraud detection.</li><li>Riskified offers 100% chargeback guarantee coverage including fees for approved fraudulent transactions.</li><li>SEON analyzes 900+ first-party data signals to score transactions for small-to-medium businesses.</li><li>Major payment processors like Stripe, PayPal, and Adyen integrate with fraud prevention tools automatically.</li></ul> </div> </div> </div> </div> <!--kg-card-end: html--> <p>If you run an ecommerce business, every transaction is a potential risk. In 2025, U.S. businesses lost more than $114 billion to payment fraud - nearly 10% of annual revenue on average. </p><p>That’s why tools like Sift, Fingerprint, Kount, and Riskified exist - to protect your payments and your revenue. </p><p>In this article, I’ve reviewed dozens of options and narrowed it down to the 10 best ecommerce fraud prevention tools, including how they protect payments, their key features, pricing, and which payment processors use them.</p><h2 id="10-ecommerce-fraud-prevention-tools-and-the-payment-systems-that-offer-them">10 ecommerce fraud prevention tools (and the payment systems that offer them)</h2><h3 id="1-sift">1. Sift</h3><figure class="kg-card kg-image-card"><a href="https://whop.com/blog/content/images/2025/12/Sift.webp"><img src="https://whop.com/blog/content/images/2025/12/Sift.webp" class="kg-image" alt="10 ecommerce fraud prevention tools (and the payment processors that use them)" loading="lazy" width="2000" height="845" srcset="https://whop.com/blog/content/images/size/w600/2025/12/Sift.webp 600w, https://whop.com/blog/content/images/size/w1000/2025/12/Sift.webp 1000w, https://whop.com/blog/content/images/size/w1600/2025/12/Sift.webp 1600w, https://whop.com/blog/content/images/size/w2400/2025/12/Sift.webp 2400w" sizes="(min-width: 720px) 720px"></a></figure><p>Sift is an AI-powered fraud prevention tool mainly designed for <a href="https://whop.com/blog/online-business-ideas/" rel="noreferrer">online businesses</a> - it provides real-time risk scoring of the actions made by users to help businesses prevent payment fraud.</p><p>The tool has 42 patented data techniques, has over 1 trillion annual events to gather data from, and over 1.6 billion digital footprints (identities).</p><p>This allows Sift to catch suspicious actions and let businesses decide what comes next, like blocking, challenging, or accepting the actions.</p><h4 id="what-i-like">What I like</h4><p>I like that Sift provides real-time risk scoring to protect payments before they are processed, and the massive datasets improve fraud detection accuracy, helping businesses reduce chargebacks. </p><p>I also like that merchants using <a href="https://whop.com/blog/what-is-stripe/" rel="noreferrer">Stripe</a>, <a href="https://whop.com/blog/paypal-for-business/" rel="noreferrer">PayPal</a>/Braintree, <a href="https://whop.com/blog/adyen-payments/" rel="noreferrer">Adyen</a>, or Finix can automatically leverage Sift’s protection without a separate setup, making it easier to get started, and that it scales effectively for medium to large businesses.</p><h4 id="what-i-don%E2%80%99t-like">What I don’t like</h4><p>I don’t like that full customization and advanced workflow automation require a separate Sift account, and <a href="https://whop.com/blog/small-business-ideas/" rel="noreferrer">small businesses</a> may find the tool overkill. </p><p>I’ve also seen reports of false positives that require manual review, which can slow down payment processing.</p><h4 id="what-others-say">What others say</h4><p>There are 565 reviews for Sift on G2 with a 4.6/5 rating. Most users like working with Sift: <em>“One of the few tools that helps us improve approval of legitimate transactions while blocking fraud.”</em> - while others address the false flags, but still, most users agree that the positives outweigh the negatives.</p><p><strong>Best for:</strong> Sift is best for medium businesses  that have high volumes. While the tool can be used by small businesses, its complex systems can be overkill for most</p><ul><li><strong>Key features:</strong> Strong integration and API, device fingerprinting (identifying devices that are linked to fraud), workflow automation, dispute management, and payment and account protection</li><li><strong>Pricing:</strong> Sift’s pricing system is custom. Businesses get a customized quote based on their volume</li><li><strong>Used by payment systems:</strong> Stripe, PayPal/Braintree, Adyen, Finix.<br>Sift’s massive data network (1 trillion annual events) enables merchants to detect suspicious transactions and protect payments across these major processors.</li></ul><h3 id="2-fingerprint">2. Fingerprint</h3><figure class="kg-card kg-image-card"><a href="https://whop.com/blog/content/images/2025/12/Fingerprint.webp"><img src="https://whop.com/blog/content/images/2025/12/Fingerprint.webp" class="kg-image" alt="10 ecommerce fraud prevention tools (and the payment processors that use them)" loading="lazy" width="2000" height="1357" srcset="https://whop.com/blog/content/images/size/w600/2025/12/Fingerprint.webp 600w, https://whop.com/blog/content/images/size/w1000/2025/12/Fingerprint.webp 1000w, https://whop.com/blog/content/images/size/w1600/2025/12/Fingerprint.webp 1600w, https://whop.com/blog/content/images/size/w2400/2025/12/Fingerprint.webp 2400w" sizes="(min-width: 720px) 720px"></a></figure><p>Fingerprint is a device identification tool that creates a unique ID for every visitor to your website or marketplace across multiple sessions. The ID will be present even if the user is browsing in incognito mode or using a VPN.</p><p>While Fingerprint isn’t a tool that automatically blocks fraudulent actions like some other fraud prevention tools, it provides identification information to you so you can build your own rules or use it with other tools.</p><h4 id="what-i-like-1">What I like</h4><p>Fingerprint is extremely accurate at identifying repeat offenders and users trying to hide behind VPNs or multiple accounts, which makes it easier to protect payments. </p><p>I also like that integrating Fingerprint into existing systems is relatively simple compared to other fraud prevention tools, and it provides detailed data that merchants can use to create customized rules for their payment flows.</p><h4 id="what-i-don%E2%80%99t-like-1">What I don’t like</h4><p>Fingerprint does not solve fraud on its own and requires additional tools or technical expertise to turn its data into actionable payment protections. For smaller businesses without dedicated technical resources, this can make setup and ongoing management more complicated.</p><h4 id="what-others-say-1">What others say</h4><p>Fingerprint’s accuracy is very praised across the industry: <em>“Fingerprint’s identifier is uncannily accurate. We went from relying on IP/cookies (which fraudsters easily bypassed) to catching repeat offenders even in incognito mode. It’s been a huge win for preventing duplicate accounts.”</em> said the CTO of a SaaS platform.</p><ul><li><strong>Best for:</strong> Online businesses with large traffic or custom fraud detection systems that can leverage Fingerprint’s detailed identity data to protect payments.</li><li><strong>Key features:</strong> High-accuracy device fingerprinting, bot detection, and simple integration.</li><li><strong>Pricing:</strong> Fingerprint offers three tiers: Free (up to 1,000 identifications per month), Pro Plus (custom pricing for 20,000–1,000,000+ identifications per month starting at $99), and Enterprise (custom pricing with dedicated support and 99.9% SLA).</li><li><strong>Used by payment systems:</strong> FingerprintJS device intelligence is not directly embedded in major payment processors like Stripe, PayPal, or Adyen, but it can be integrated by merchants and risk platforms to inform payment decisions.</li></ul><h3 id="3-kount">3. Kount</h3><figure class="kg-card kg-image-card"><a href="https://whop.com/blog/content/images/2025/12/Kount.webp"><img src="https://whop.com/blog/content/images/2025/12/Kount.webp" class="kg-image" alt="10 ecommerce fraud prevention tools (and the payment processors that use them)" loading="lazy" width="2000" height="1050" srcset="https://whop.com/blog/content/images/size/w600/2025/12/Kount.webp 600w, https://whop.com/blog/content/images/size/w1000/2025/12/Kount.webp 1000w, https://whop.com/blog/content/images/size/w1600/2025/12/Kount.webp 1600w, https://whop.com/blog/content/images/size/w2400/2025/12/Kount.webp 2400w" sizes="(min-width: 720px) 720px"></a></figure><p>Kount is an AI-powered fraud prevention tool that’s built for businesses of all sizes. When a user makes a transaction, enters payment information, or logs on to your platform, Kount crosschecks the data with billions of data points and sets a risk score. Depending on the score, the action is approved, blocked, or challenged.</p><p>Kount is used in the <a href="https://whop.com/blog/ecommerce-payment-processing/" rel="noreferrer">ecommerce</a>, health, direct sales, and even restaurants. One of the best parts about Kount, which some other fraud prevention tools lack, is the ability to customize rules (what happens upon which action).</p><h4 id="what-i-like-2">What I like</h4><p>Kount allows merchants to set custom rules and business policies, giving complete control over how payments are approved, blocked, or challenged. I also like that its AI-driven engine is powered by a vast global dataset, improving decision accuracy, and that it integrates directly with major payment systems so risk scoring can happen automatically during checkout.</p><h4 id="what-i-don%E2%80%99t-like-2">What I don’t like</h4><p>I don’t like that Kount’s pricing can be complex and potentially expensive for small to medium businesses, and that advanced features often require technical expertise to configure. Some users have reported that initial setup can be challenging, which may slow down time-to-value for new merchants.</p><h4 id="what-others-say-2">What others say</h4><p>The Operational Supervisor of an engineering company has said: <em>“Kount has recorded a conventional and powerful fraud detection system, with vibrant machine learning capabilities. All risky and dangerous payments or orders are immediately stopped or suspended by this app.”</em></p><ul><li><strong>Best for:</strong> Kount can be used from small, medium, and large businesses that want customizable rules. Kount comes with direct integrations to ecommerce platforms like <a href="https://whop.com/blog/shopify-review/" rel="noreferrer">Shopify</a> and <a href="https://whop.com/blog/woocommerce-pricing/" rel="noreferrer">WooCommerce</a>, but integrating it into custom systems requires technical knowledge.</li><li><strong>Key features:</strong> Dual machine learning models (supervised and unsupervised), real-time risk scoring, customizable rules, account takeover protection, device and behavioral analytics, and AI-powered payment fraud prevention.</li><li><strong>Pricing:</strong> Kount offers four pricing options influenced by business volume and strategy: Essentials ($0.07 per transaction), Advanced (starting at $1,000/month), Enterprise (custom pricing with dedicated account manager), and Custom (feature-based pricing tailored to needs).</li><li><strong>Used by payment systems:</strong> FreedomPay, BlueSnap, NMI, IXOPAY. Merchants using these payment platforms can integrate Kount to automatically assess transaction risk and prevent fraudulent payments, though full feature access may require a standalone Kount account.</li></ul><h3 id="4-riskified">4. Riskified</h3><figure class="kg-card kg-image-card"><a href="https://whop.com/blog/content/images/2025/12/Riskified.webp"><img src="https://whop.com/blog/content/images/2025/12/Riskified.webp" class="kg-image" alt="10 ecommerce fraud prevention tools (and the payment processors that use them)" loading="lazy" width="2000" height="1189" srcset="https://whop.com/blog/content/images/size/w600/2025/12/Riskified.webp 600w, https://whop.com/blog/content/images/size/w1000/2025/12/Riskified.webp 1000w, https://whop.com/blog/content/images/size/w1600/2025/12/Riskified.webp 1600w, https://whop.com/blog/content/images/size/w2400/2025/12/Riskified.webp 2400w" sizes="(min-width: 720px) 720px"></a></figure><p>Riskified is an AI-powered fraud management and risk intelligence platform for large businesses. One of the highlights of the tool is that they cover 100% of chargebacks, including fees, if they approve a fraud transaction by mistake.</p><p>The platform uses an AI that’s trained on vast datasets to make real-time fraud prevention for transactions. While the platform isn’t for small or medium businesses, it performs great in fields like digital goods, retail, luxury fashion, travel, and athletic & outdoors.</p><h4 id="what-i-like-3">What I like</h4><p>Riskified provides a full <a href="https://whop.com/blog/chargebacks-fraud/" rel="noreferrer">chargeback</a> guarantee, which protects merchants from losses due to fraudulent payments while also increasing legitimate approvals. I also like that its AI engine analyzes vast datasets in real time, giving businesses accurate fraud protection and allowing them to process payments confidently, even at high volumes.</p><h4 id="what-i-don%E2%80%99t-like-3">What I don’t like</h4><p>Riskified is primarily built for large businesses, so small and medium merchants may find it overkill. Additionally, the platform does not provide detailed reasoning behind each declined transaction, which limits insights into specific payment issues.</p><h4 id="what-others-say-3">What others say</h4><p>Director of Finance at a fashion retailer said: <em>“After implementing Riskified, we saw a significant drop in chargebacks and a 9% increase in international order approvals.”</em> Just like this, many other users mention how Riskified’s workflow increases order approvals.</p><ul><li><strong>Best for: </strong>Large businesses in industries with high-value transactions, especially those using IXOPAY, CellPoint Digital, Novatti, AurusPay, or Plaid for payment processing.</li><li><strong>Key features:</strong> Chargeback guarantee on false approvals, AI-powered real-time decisions, account takeover protection, vast global data network, and integrations with major platforms like Shopify and Magento makes Riskified a big player in the fraud prevention field.</li><li><strong>Pricing:</strong> Riskified’s pricing is custom based on the volume and industry of the businesses that apply to work with them.</li><li><strong>Used by payment systems:</strong> IXOPAY, CellPoint Digital, Novatti, AurusPay, Plaid. Merchants using these payment systems can integrate Riskified to automatically evaluate and protect payments, reducing fraud losses while maximizing legitimate transaction approvals.</li></ul><h3 id="5-seon">5. SEON</h3><figure class="kg-card kg-image-card"><a href="https://whop.com/blog/content/images/2025/12/SEON.webp"><img src="https://whop.com/blog/content/images/2025/12/SEON.webp" class="kg-image" alt="10 ecommerce fraud prevention tools (and the payment processors that use them)" loading="lazy" width="2000" height="1114" srcset="https://whop.com/blog/content/images/size/w600/2025/12/SEON.webp 600w, https://whop.com/blog/content/images/size/w1000/2025/12/SEON.webp 1000w, https://whop.com/blog/content/images/size/w1600/2025/12/SEON.webp 1600w, https://whop.com/blog/content/images/size/w2400/2025/12/SEON.webp 2400w" sizes="(min-width: 720px) 720px"></a></figure><p>SEON is a fraud prevention tool built for businesses that small to medium businesses. The tool scores transactions with digital footprint data taken from over 900+ first-party data signals. When a user signs up or makes a transaction, SEON checks whether that customer email is real, analyzes the device and IP, whether they’re using a VPN or not, their geolocation, and if any of the data points have been flagged before.</p><p>Based on that score, you can customize actions using a no-code rule builder in the platform to decide what happens to the customer (blocking, flagging, approval, etc.)</p><h4 id="what-i-like-4">What I like</h4><p>One thing most SEON users and I like is its pricing compared to other tools in the industry. <br><br>The customization SEON offers is also great - for example, when creating rules, you can get into every little detail like flagging an order if the customer is using a VPN, their email isn’t older than 1 month, and no online profiles match their email. You can even test your rules on previous transactions before publishing them.</p><h4 id="what-i-don%E2%80%99t-like-4">What I don’t like</h4><p>SEON does not offer a chargeback guarantee, so merchants are responsible for handling any fraudulent transactions that slip through. It also requires a person to design and monitor rules, which means businesses without dedicated staff may need extra resources to manage the tool effectively.</p><h4 id="what-others-say-4">What others say</h4><p>A user on Capterra said in a review: <em>“SEON’s email lookup feature is a game-changer – we can literally see if a customer’s email is tied to something like Facebook or if it’s brand new. It helped us catch fraudulent orders that looked fine at first.”</em></p><ul><li><strong>Best for:</strong> SEON is best for small to medium businesses and digital sellers that don’t want to pay enterprise-grade pricing and an easy to use fraud prevention tool that doesn’t require expert coding knowledge</li><li><strong>Key features:</strong> Digital footprint analysis, customizable no-code rule builder, ecommerce platform plugins (WooCommerce, Shopify, etc.), real-time API, VPN and proxy detection.</li><li><strong>Pricing:</strong> Starter package: $699/month for 2,500 fraud checks, 10 users, and 50 custom rules. Premium package: custom pricing for unlimited API calls, users, rules, dedicated implementation team, and advanced monitoring.</li><li><strong>Used by payment systems:</strong> PayAdmit, Xpate, Shopify (via payment capture workflows), Chargeflow. Merchants using these platforms can integrate SEON to automatically evaluate transactions for fraud, adding a layer of protection to payments processed through their system.</li></ul><h3 id="6-forter">6. Forter</h3><figure class="kg-card kg-image-card"><a href="https://whop.com/blog/content/images/2025/12/Forter.webp"><img src="https://whop.com/blog/content/images/2025/12/Forter.webp" class="kg-image" alt="10 ecommerce fraud prevention tools (and the payment processors that use them)" loading="lazy" width="2000" height="813" srcset="https://whop.com/blog/content/images/size/w600/2025/12/Forter.webp 600w, https://whop.com/blog/content/images/size/w1000/2025/12/Forter.webp 1000w, https://whop.com/blog/content/images/size/w1600/2025/12/Forter.webp 1600w, https://whop.com/blog/content/images/size/w2400/2025/12/Forter.webp 2400w" sizes="(min-width: 720px) 720px"></a></figure><p>Forter is a fraud prevention tool built for large businesses. The tool promises up to 90% reduced chargebacks and false declines with its Forter Decision Engine, which has over 1.2 billion identities and uses AI to make decisions.</p><p>The platform offers dispute recommendations, representment automation, abuse prevention, smart 3DS, and other important automated services for businesses. The decision engine of Forter uses vast datasets and the promise is decision delivery in under 400 milliseconds in 99% of decisions.</p><h4 id="what-i-like-5">What I like</h4><p>On average, merchants that use Forter see 72% reduction in chargeback rates and 46% reduction in false declines. The speed of their decision engine and the datasets they’re using is really impressive - if you’re running a large business with high order volume, Forter can easily match your scale.</p><h4 id="what-i-don%E2%80%99t-like-5">What I don’t like</h4><p>Forter is primarily designed for large businesses, so small or medium merchants may find it unnecessary. Pricing information is not public, which can make planning difficult, and unlike some tools, Forter does not allow merchants to customize its rules extensively, leaving most decisions to the platform.</p><h4 id="what-others-say-5">What others say</h4><p>Domino’s Pizza in the UK said: <em>“Forter’s ability to instantly identify legitimate customers has helped us approve orders we used to decline. We’ve seen higher customer retention and revenue as a result.”</em></p><ul><li><strong>Best for:</strong> Large businesses with high transaction volumes, especially those using FreedomPay, IXOPAY, Paydock, or GMO Payment Gateway to process payments.</li><li><strong>Key features:</strong> AI-powered real-time decisions, chargeback reduction, dispute automation, account takeover and abuse prevention, massive identity database, and integration with major payment systems.</li><li><strong>Pricing:</strong> Custom pricing with a 90-day performance guarantee; merchants must contact Forter for a quote.</li><li><strong>Used by payment systems:</strong> FreedomPay, IXOPAY, Paydock, GMO Payment Gateway. Merchants using these payment platforms can integrate Forter to automatically evaluate and protect payments, reducing fraud losses while optimizing legitimate transaction approvals.</li></ul><h3 id="7-nofraud">7. NoFraud</h3><figure class="kg-card kg-image-card"><a href="https://whop.com/blog/content/images/2025/12/NoFraud.webp"><img src="https://whop.com/blog/content/images/2025/12/NoFraud.webp" class="kg-image" alt="10 ecommerce fraud prevention tools (and the payment processors that use them)" loading="lazy" width="2000" height="1351" srcset="https://whop.com/blog/content/images/size/w600/2025/12/NoFraud.webp 600w, https://whop.com/blog/content/images/size/w1000/2025/12/NoFraud.webp 1000w, https://whop.com/blog/content/images/size/w1600/2025/12/NoFraud.webp 1600w, https://whop.com/blog/content/images/size/w2400/2025/12/NoFraud.webp 2400w" sizes="(min-width: 720px) 720px"></a></figure><p>NoFraud is a fraud prevention tool that provides fraud protection, policy abuse prevention, and chargeback management to small and medium businesses. The tool uses AI and human expertise to maximise fraud detection precision and avoid false flagging.</p><p>Unlike some other fraud prevention tools that don't let users customize their rules (what happens after a user or a transaction gets flagged), NoFraud lets users create custom overrides for their rules. <br><br>The AI-powered decision engine of NoFroud checks for data points like merchant specific data, persona tracking, global backlists, device fingerprints, geolocation, and velocity detection.</p><p>When manual checks are needed, which account for less than 0.5% of transactions with NoFraud, their expert team handles it, and you can get notified for verifications via branded email, SMS, phone, image request, and secure uploads.</p><h4 id="what-i-like-6">What I like</h4><p>NoFraud is a tool that starts helping you out-of-the-box, but the best part? It’s customizable. You can go hands-off after setup, and their human expert analysts handle things. Another thing I really appreciate about NoFraud is their transparent pricing. Instead of hiding things behind application walls, NoFraud shares them right on their website.</p><h4 id="what-i-don%E2%80%99t-like-6">What I don’t like</h4><p>Manual reviews, while valuable, can delay certain transactions for a few hours. Additionally, although merchants can customize rules, they do not have full control over every decision, which may be a limitation for those who want granular control over payment approvals.</p><h4 id="what-others-say-6">What others say</h4><p>An analyst from a small business said: <em>“NoFraud's real time transaction screening works smoothly in the background without disrupting our checkout process, The approval rate is high and we have noticed a clear drop in chargebacks since implementation, Integration with our e commerce platform was very easy, quick, straightforward.”</em> Like this, many other reviews on NoFraud highlight how easy it is to use.</p><ul><li><strong>Best for:</strong> Small to medium businesses that want automated fraud protection with optional expert review, especially those using Stripe, PayPal/Braintree, Adyen, or other integrated payment systems.</li><li><strong>Key features:</strong> Real-time AI decision engine, optional expert human review, chargeback protection, integration with major payment systems, custom rule overrides, and policy abuse detection.</li><li><strong>Pricing:</strong> Lite option: free for up to 100 screened orders per month; Starter option: 1–1.5% of revenue depending on monthly minimum, includes unlimited screening, expert reviews, and chargeback protection.</li><li><strong>Used by payment systems:</strong> Stripe, PayPal/Braintree, Adyen, X‑Payments, Elavon, <a href="https://whop.com/blog/fidelity-review/" rel="noreferrer">Fidelity</a>, Maverick, Merchant Focus, MyCPO, Payline. Merchants using these payment platforms automatically gain access to NoFraud’s fraud screening and expert review features, adding an extra layer of protection to payments without needing a separate account.</li></ul><h3 id="8-arkose-labs">8. Arkose Labs</h3><figure class="kg-card kg-image-card"><a href="https://whop.com/blog/content/images/2025/12/Arkose-Labs.webp"><img src="https://whop.com/blog/content/images/2025/12/Arkose-Labs.webp" class="kg-image" alt="10 ecommerce fraud prevention tools (and the payment processors that use them)" loading="lazy" width="2000" height="772" srcset="https://whop.com/blog/content/images/size/w600/2025/12/Arkose-Labs.webp 600w, https://whop.com/blog/content/images/size/w1000/2025/12/Arkose-Labs.webp 1000w, https://whop.com/blog/content/images/size/w1600/2025/12/Arkose-Labs.webp 1600w, https://whop.com/blog/content/images/size/w2400/2025/12/Arkose-Labs.webp 2400w" sizes="(min-width: 720px) 720px"></a></figure><p>Arkose Labs is a platform that provides account security, identity protection, fraud protection, and advanced threat (agentic AI and autonomous attacks) defense. The tool isn’t just a fraud prevention tool - it works at login pages, signups, payment forms, and other parts of websites to prevent all kinds of fraudulent or violent actions.</p><p>When Arkose detects suspicious actions, whether that’s card testing, fake account creation, or bot scraping, it serves difficult challenges until the attacks stop working. That being said, Arkose isn’t built for small or medium businesses. The tool is specifically built for large scale defense.</p><h4 id="what-i-like-7">What I like</h4><p>Arkose is a powerful tool for large businesses, and is a solution to one of the most feared truths of the following years: AI-powered autonomous attacks. Apart from this, even if your business isn’t getting autonomous attacks, Arkose provides state of the art bot prevention and fraud protection tools for your business.</p><h4 id="what-i-don%E2%80%99t-like-7">What I don’t like</h4><p>Arkose is built for large businesses and enterprises only. It’s complex, and integrating it to your systems requires technical knowledge. While it solves a great pain point, you have to be both big and technical enough to start working with Arkose Labs.</p><h4 id="what-others-say-7">What others say</h4><p>The Director of Fraud at a social media company said: <em>“After implementing Arkose Labs, the volume of bot attacks on our platform dropped by 90%. We were experiencing constant credential stuffing and fake account creation - Arkose challenges made it economically infeasible for attackers.”</em></p><ul><li><strong>Best for:</strong> Large businesses and enterprises that face automated attacks like gaming platforms, social platforms, or high-traffic ecommerce marketplaces.</li><li><strong>Key features:</strong> Real-time risk engine, bot and AI attack protection, identity verification, gamified CAPTCHA challenges, account security, and advanced dashboards for monitoring attacks.</li><li><strong>Pricing:</strong> Arkose Labs uses a fully custom pricing strategy that doesn’t have public pricing information.</li><li><strong>Used by payment systems:</strong> PayPal (Honey platform), Banking & Fintech platforms (enterprise APIs). Merchants using these platforms can integrate Arkose Labs to protect payment transactions and login/signup flows from bots and fraudulent activity, adding a sophisticated layer of security without needing to manage the engine directly.</li></ul><h3 id="9-signifyd">9. Signifyd</h3><figure class="kg-card kg-image-card"><a href="https://whop.com/blog/content/images/2025/12/Signifyd.webp"><img src="https://whop.com/blog/content/images/2025/12/Signifyd.webp" class="kg-image" alt="10 ecommerce fraud prevention tools (and the payment processors that use them)" loading="lazy" width="2000" height="1408" srcset="https://whop.com/blog/content/images/size/w600/2025/12/Signifyd.webp 600w, https://whop.com/blog/content/images/size/w1000/2025/12/Signifyd.webp 1000w, https://whop.com/blog/content/images/size/w1600/2025/12/Signifyd.webp 1600w, https://whop.com/blog/content/images/size/w2400/2025/12/Signifyd.webp 2400w" sizes="(min-width: 720px) 720px"></a></figure><p>Signifyd is a fraud prevention tool built for medium to large businesses and enterprises. One of the highlights of Signifyd, like Riskified, is they cover the false flags, meaning that if a fraud payment goes through without Signifyd detection, they cover the chargeback.</p><p>The tool is fully automated and checks for behavioural data, proxy detection, purchasing history, cross merchant deny lists, public records, and other datapoints to accurately guarantee every approval.</p><h4 id="what-i-like-8">What I like</h4><p>The financial guarantee is one of my favorite things about Signifyd - while the risk of accepting fraudulent orders increases, you’re safe because they will cover the chargeback - but this doesn’t just increase a risk, but it increases revenue, too. With this method, they claim a 5-9% conversion increase.</p><h4 id="what-i-don%E2%80%99t-like-8">What I don’t like</h4><p>While the financial guarantee is very cool, they won’t cover customer relationship headaches and inventory loss. Also, their fraud protection system isn’t fully customizable - leaving the decision making to Signifyd.</p><h4 id="what-others-say-8">What others say</h4><p>A reviewer on G2 said: <em>“The standout feature is Signifyd’s money-back guarantee, which covers losses and removes financial risk. I also appreciate the full automation and advanced decision-making system - both have a direct effect on revenue.”</em> Like this, many other reviews highlight the financial guarantee of Signifyd.</p><ul><li><strong>Best for:</strong> Medium to large businesses and enterprises, especially those using Worldpay, Adobe Commerce Payment Services, DNA Payments, PayKings, EVO Payments, Authorize.net, or Sezzle for transaction processing.</li><li><strong>Key features:</strong> 100% chargeback guarantee, AI-powered transaction analysis, fast decision engine, integration with major payment systems and ecommerce platforms, and automated fraud detection for medium to large businesses.</li><li><strong>Pricing:</strong> Signifyd uses a custom usage-based pricing that takes your industry and annual GMV (gross merchandise value).</li><li><strong>Used by payment systems:</strong> Worldpay (FIS), Adobe Commerce Payment Services, DNA Payments, PayKings, EVO Payments, Authorize.net, <a href="https://whop.com/blog/what-is-sezzle/" rel="noreferrer">Sezzle</a>. Merchants using these payment systems can integrate Signifyd to automatically protect payments with fraud detection and a chargeback guarantee, without needing a separate Signifyd account for basic functionality.</li></ul><h3 id="10-clearsale">10. ClearSale</h3><figure class="kg-card kg-image-card"><a href="https://whop.com/blog/content/images/2025/12/ClearSale.webp"><img src="https://whop.com/blog/content/images/2025/12/ClearSale.webp" class="kg-image" alt="10 ecommerce fraud prevention tools (and the payment processors that use them)" loading="lazy" width="2000" height="914" srcset="https://whop.com/blog/content/images/size/w600/2025/12/ClearSale.webp 600w, https://whop.com/blog/content/images/size/w1000/2025/12/ClearSale.webp 1000w, https://whop.com/blog/content/images/size/w1600/2025/12/ClearSale.webp 1600w, https://whop.com/blog/content/images/size/w2400/2025/12/ClearSale.webp 2400w" sizes="(min-width: 720px) 720px"></a></figure><p>ClearSale is a fraud prevention tool that combines AI screening with over 1,500 expert human analysts working with them to help businesses prevent fraud while keeping false flags to the minimum. The tool uses AI to evaluate transactions and send edge cases to human analysts who either verify or decline transactions.</p><p>The tool is built for all types of businesses - small, medium, large, and even enterprise level. ClearSale can be integrated into and performs well with Shopify, WooCommerce, <a href="https://whop.com/blog/bigcommerce-review/" rel="noreferrer">BigCommerce</a>, and other <a href="https://whop.com/blog/ecommerce-platforms/" rel="noreferrer">ecommerce platforms</a>.</p><h4 id="what-i-like-9">What I like</h4><p>ClearSale is another tool that helps you increase revenue by covering chargeback on false flags, their human review catches legitimate customers who look risky. The setup is fast, assisted, and the pricing system is flexible. The platform also provides dedicated account managers.</p><h4 id="what-i-don%E2%80%99t-like-9">What I don’t like</h4><p>Transactions that require manual review can take up to 24 hours to clear, and you’re handing over control. Plus, ClearSale doesn’t let you customize rules.</p><h4 id="what-others-say-9">What others say</h4><p>A Shopify app store review said: <em>“ClearSale saved us from turning away good customers. Our chargebacks dropped to nearly zero, and our approval rate went up because their team caught legitimate orders our old system would have rejected.”</em></p><ul><li><strong>Best for:</strong> Businesses of all sizes that want a hands-off fraud protection service.</li><li><strong>Key features:</strong> AI screening and over 1,500 human analysts, chargeback guarantee, long experience (20+ years), and integration to many major ecommerce platforms.</li><li><strong>Pricing:</strong> ClearSale offers three models: KPI-based pricing (based on approved transactions and chargeback limits), performance-based pricing (fixed fee per approved transaction depending on risk and volume), and custom hybrid pricing combining both approaches.</li><li><strong>Used by payment systems:</strong> LimePay, Payoneer, SplitIt, Cielo (fraud analysis integration). Merchants using these payment platforms can leverage ClearSale to add an extra layer of payment protection, combining AI screening and human review without needing to manage the workflow themselves.</li></ul><hr><h2 id="why-ecommerce-brands-need-solid-fraud-protection">Why ecommerce brands need solid fraud protection</h2><p>As we’ve seen from the top fraud prevention tools, protecting payments is critical. As Steve Yin, Global head of Fraud at Transunion says: </p><blockquote><em>Fraudsters are exploiting every digital touchpoint, from account creation to login and transaction. The financial impact is staggering, and organizations must rethink how they verify identity and secure customer interactions.</em></blockquote><p>According to Juniper Research, merchants worldwide lost over $48 billion to online payment fraud in 2024, with losses projected to reach $107 billion by 2029. Fraud can take many forms:</p><ul><li><strong>Policy abuse:</strong> Customers exploiting return policies or claiming they never received an item. </li><li><strong>Friendly fraud and chargeback abuse:</strong> Legitimate customers <a href="https://whop.com/blog/dispute-rate/" rel="noreferrer">disputing</a> legitimate charges. </li><li><strong>Account takeover:</strong> Scammers gaining control of legitimate accounts. </li><li><strong>False declines:</strong> Legitimate orders being incorrectly flagged.</li></ul><p>Fraud can also take other forms - triangulation fraud, promotion abuse, and new methods that appear as the ecommerce scene grows. Many of the tools we’ve covered continuously update to address these evolving threats, which is why top ecommerce brands rely on fraud prevention systems.</p><p>If you're looking for a full business platform that combines sales, payments, and fraud protection, Whop offers an all-in-one solution. </p><p>With Whop, you don’t just sell online and <a href="https://whop.com/blog/payment-processors/" rel="noreferrer">process payments</a> - you get built-in fraud protection, dispute management, and chargeback prevention, all integrated seamlessly with major payment processors like Stripe and Adyen. </p><p>Fraud prevention with Whop is proactive and taken care of for you - all you have to focus on is selling.</p><h2 id="how-whop-protects-ecommerce-sellers">How Whop protects ecommerce sellers</h2><figure class="kg-card kg-image-card"><img src="https://whop.com/blog/content/images/2025/12/whop-card.png" class="kg-image" alt="10 ecommerce fraud prevention tools (and the payment processors that use them)" loading="lazy" width="1160" height="702" srcset="https://whop.com/blog/content/images/size/w600/2025/12/whop-card.png 600w, https://whop.com/blog/content/images/size/w1000/2025/12/whop-card.png 1000w, https://whop.com/blog/content/images/2025/12/whop-card.png 1160w" sizes="(min-width: 720px) 720px"></figure><p>Whop is a full business platform that lets you sell anything online, from products and memberships to courses and services, but it can also be used solely as a payments service.</p><p><a href="https://whop.com/blog/payments-launch/" rel="noreferrer">Payments on Whop</a> are processed through top-tier processors like Stripe and Adyen, while Whop adds built-in fraud protection and dispute management to keep your sales secure.</p><blockquote>Whop has the only payment solution I know of that gives businesses tools like real-time chargeback alerts, fraud screening, and a full resolution center by default from day one.<br><br>These are systems most processors reserve for their biggest merchants. We built them into the foundation for every business using Whop Payments.<br><br>— Derek Wilmer, Whop</blockquote><p>Whop Payments makes <a href="https://whop.com/blog/accept-payments-online/" rel="noreferrer">accepting online payments</a> simple and safe. It handles transaction flows, integrates with major processors, and provides tools to prevent fraud, reduce disputes, and manage chargebacks - all from a single dashboard.</p><h3 id="fraud-prevention-features">Fraud prevention features:</h3><ul><li><strong>3D Secure (3DS):</strong> Authenticates cards to reduce fraud ($0.03/transaction).</li><li><strong>Radar:</strong> ML-based real-time fraud detection ($0.07/transaction).</li><li><strong>Dispute Management:</strong> Track and resolve chargebacks efficiently ($15/dispute).</li><li><strong>Early Dispute Alerts (RDR):</strong> Proactively notify sellers of potential disputes to prevent chargebacks ($29/alert).</li></ul><h3 id="fighting-disputes-with-whop">Fighting disputes with Whop</h3><p>Whop also helps you minimize chargebacks by giving you clear tools to respond quickly, resolve disputes proactively, and provide evidence when necessary.</p><p>Whop’s Dispute Fighter tracks disputes, allows sellers to submit evidence, and automatically uploads transaction details. </p><p>Early dispute alerts act as a warning system and can even auto-refund low-risk transactions. The <a href="https://whop.com/blog/resolution-center/" rel="noreferrer">Resolution Center</a> manages refunds before they escalate, letting sellers communicate with customers or let Whop make a decision if no response is provided within 7 days.</p><p>Machine learning in Whop adapts to new fraud patterns, reducing disputes caused by customer confusion and ensuring transactions appear clearly on statements. </p><p>Together, these features give sellers everything they need to protect payments and run an online business confidently.</p><h2 id="sell-online-safely-with-whop">Sell online safely with Whop</h2><figure class="kg-card kg-image-card"><a href="https://whop.com/blog/content/images/2025/12/Whop.webp"><img src="https://whop.com/blog/content/images/2025/12/Whop.webp" class="kg-image" alt="10 ecommerce fraud prevention tools (and the payment processors that use them)" loading="lazy" width="2000" height="1084" srcset="https://whop.com/blog/content/images/size/w600/2025/12/Whop.webp 600w, https://whop.com/blog/content/images/size/w1000/2025/12/Whop.webp 1000w, https://whop.com/blog/content/images/size/w1600/2025/12/Whop.webp 1600w, https://whop.com/blog/content/images/size/w2400/2025/12/Whop.webp 2400w" sizes="(min-width: 720px) 720px"></a></figure><p>Fraud prevention is the difference between growing your business and losing money (and time). <br><br>Whop handles fraud protection, payments, and delivery in one place, so you can focus on selling.<br><br>Whatever your business, you can launch on Whop.</p><div class="kg-card kg-button-card kg-align-left"><a href="https://whop.com/sell/" class="kg-btn kg-btn-accent">Start selling on Whop</a></div><hr><h2 id="ecommerce-fraud-prevention-tools-faqs">Ecommerce fraud prevention tools FAQs</h2><h3 id="what-is-an-ecommerce-fraud-prevention-tool">What is an ecommerce fraud prevention tool?</h3><p>An ecommerce fraud prevention tool is a software that detects and blocks fraudulent transactions before they harm businesses. These tools analyze user behaviour, geolocation, proxy data, device information, and more. Then, they approve, challenge, or block actions.</p><h3 id="how-much-do-businesses-lose-to-ecommerce-fraud">How much do businesses lose to ecommerce fraud?</h3><p>Businesses in the U.S. have lost over $114 billion in revenue in 2025. Globally, merchants lost $48 billion to online payment fraud in 2024, and it’s projected to hit $107 billion by 2029.</p><h3 id="what-is-a-risk-score-in-fraud-prevention">What is a risk score in fraud prevention?</h3><p>Risk score is a term used by most fraud prevention tools that means a score of how likely a transaction or user action is to be fraudulent.</p><p>Their decision engines decide on this number after checking the data they have about the action across massive datasets. Higher scores result in blocks or challenges, while low ones getting approved or being sent to human analysts for further checks.</p><h3 id="what-is-device-fingerprinting">What is device fingerprinting?</h3><p>Device fingerprinting is creating a unique identity for every visitor a website gets, even if they use VPN or other methods. It tracks device characteristics across sessions and datasets to stop fraudulent actions. Fingerprint and Sift both use this technology.</p><h3 id="what-is-a-chargeback-guarantee-and-which-tools-offer-it">What is a chargeback guarantee and which tools offer it?</h3><p>A chargeback guarantee means the fraud prevention tool you’re using covers your losses if they approve a transaction that turns out to be fraud. Signifyd, ClearSale, and NoFraud all offer chargeback guarantees.</p><h3 id="can-fraud-tools-detect-vpn-users">Can fraud tools detect VPN users?</h3><p>Yes. Tools like Fingerprint, SEON, and Forter can detect VPN usage. Fingerprint's device identification works even when users browse in incognito mode or hide behind a VPN.</p><h3 id="do-fraud-tools-require-technical-knowledge">Do fraud tools require technical knowledge?</h3><p>Most fraud prevention tools require technical knowledge to configure and integrate, like Fingerprint and Kount. Some, like NoFraud and ClearSale, are hands-off and require minimal setup.</p>]]></content:encoded></item>
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