14 ecommerce fraud prevention tools (and the payment processors that use them)

Sift, Kount, SEON, and Sardine are amongst the most popular ecommerce fraud prevention tools for online sellers. Here are 14 fraud prevention solutions, what they cost, and how to choose the right one for your business.

If you run an ecommerce business, every transaction is a potential risk.

According to the 2026 AFP Payments Fraud and Control Survey, 76% organizations in the U.S. experienced attempted or actual fraud in 2025. It's now predicted that global ecommerce fraud is projected to rise to over $100 billion by 2029.

That's why tools like Sift, Fingerprint, Kount, and Riskified exist: to protect your payments and your revenue.

After reviewing dozens of options, these are the 14 best ecommerce fraud prevention tools, including how they protect payments, their key features, pricing, and which platforms and payment processors use them.

14 ecommerce fraud prevention tools (and the payment systems that offer them)

1. Sift

Sift is an AI-powered fraud prevention tool mainly designed for online businesses - it provides real-time risk scoring of the actions made by users to help businesses prevent payment fraud.

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).

This allows Sift to catch suspicious actions and let businesses decide what comes next, like blocking, challenging, or accepting the actions.

Sift provides real-time risk scoring to protect payments before they are processed, and has datasets to improve fraud detection accuracy.

Merchants using Stripe, PayPal/Braintree, Adyen, 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.

What others say

There are over 600 reviews for Sift on G2 with a 4.6/5 rating, and the platform was named a Leader in G2's Spring 2026 Fraud Detection Grid. Most users like working with Sift: “One of the few tools that helps us improve approval of legitimate transactions while blocking fraud.” - while others address the false flags, but still, most users agree that the positives outweigh the negatives.

• Pricing: Sift’s pricing system is custom. Businesses get a customized quote based on their volume
• Used by payment systems: Stripe, PayPal/Braintree, Adyen, Finix.
  Sift’s massive data network (1 trillion annual events) enables merchants to detect suspicious transactions and protect payments across these major processors.

2. Fingerprint

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.

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.

What others say

Fingerprint’s accuracy is very praised across the industry: “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.” said the CTO of a SaaS platform.

• Pricing: Fingerprint offers three tiers: Free (up to 1,000 API calls per month), Pro Plus ($99 for up to 20,000 API calls per month, then $4 per additional 1K calls), and Enterprise (custom pricing with dedicated support and 99.9% SLA).
• Used by payment systems: 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.

3. Kount

Kount is a fraud and identity trust platform that helps businesses assess risk across payments, logins, and account activity. It combines device data, identity signals, and behavioural patterns to determine whether a user or transaction is legitimate.

One of Kount’s strengths is control. Businesses can define their own rules, policies, and thresholds rather than relying entirely on automated decisions. This makes it useful for teams that want to fine-tune how fraud is handled instead of accepting a one-size-fits-all approach.

It’s used across ecommerce, fintech, and digital services, and can be integrated into checkout flows or account systems to score risk in real time.

What others say

The Operational Supervisor of an engineering company has said: “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.”

• Pricing: 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).
• Used by payment systems: 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.

4. Riskified

Riskified is a fraud management platform built primarily for large ecommerce businesses. Its core offering is a chargeback guarantee: if Riskified approves a transaction that turns out to be fraudulent, it covers the cost.

The platform uses machine learning to approve or decline transactions in real time, aiming to maximise legitimate approvals while reducing fraud. This is especially valuable for businesses operating globally, where fraud risk is higher and manual review becomes impractical.

What others say

Director of Finance at a fashion retailer said: “After implementing Riskified, we saw a significant drop in chargebacks and a 9% increase in international order approvals.” Just like this, many other users mention how Riskified’s workflow increases order approvals.

• Pricing: Riskified’s pricing is custom based on the volume and industry of the businesses that apply to work with them.
• Used by payment systems: 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.

5. SEON

SEON is a fraud prevention platform focused on data enrichment and rule-based decisioning. It pulls in signals from email, IP, device, and online presence to build a risk profile for each user or transaction.

It offers a no-code rule builder, which lets teams define exactly how fraud is handled. For example, you can flag transactions based on VPN use, suspicious email patterns, or lack of digital footprint. You can then test those rules before deploying them.

This makes SEON more transparent than black-box tools, but also means businesses need to actively manage their fraud logic.

What others say

A user on Capterra said in a review: “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.”

• Pricing: Free plan available for small businesses (up to 500 manual checks/month and 10 custom rules). Starter is $699/month for 2,500 fraud checks, 10 users, 50 custom rules. Premium package: custom pricing for unlimited API calls, users, rules, dedicated implementation team, and advanced monitoring.
• Used by payment systems: 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.

6. Forter

Forter is an enterprise fraud prevention platform that uses identity-based decisioning to approve or decline transactions in real time. It focuses on recognising legitimate customers rather than just detecting fraud signals, which helps reduce false declines.

The platform is powered by a large network of user identities and behavioural data, allowing it to make fast decisions at scale. It also includes protection against account takeover, policy abuse, and bot-driven attacks.

Unlike more configurable tools, Forter handles most decisioning itself, which simplifies operations but limits manual control.

What others say

Domino’s Pizza in the UK said: “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.”

• Pricing: Custom pricing with a 90-day performance guarantee; merchants must contact Forter for a quote.
• Used by payment systems: 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.

7. NoFraud

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.

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.

The AI-powered decision engine of NoFraud checks for data points like merchant specific data, persona tracking, global backlists, device fingerprints, geolocation, and velocity detection.

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.

What others say

An analyst from a small business said: “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.”

• Pricing: 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.
• Used by payment systems: Stripe, PayPal/Braintree, Adyen, X‑Payments, Elavon, Fidelity, 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.

8. Arkose Labs

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.

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.

What others say

The Director of Fraud at a social media company said: “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.”

• Pricing: Arkose Labs uses a fully custom pricing strategy that doesn’t have public pricing information.
• Used by payment systems: 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.

9. Signifyd

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.

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.

What others say

A reviewer on G2 said: “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.”

• Pricing: Signifyd uses a custom usage-based pricing that takes your industry and annual GMV (gross merchandise value).
• Used by payment systems: Worldpay (FIS), Adobe Commerce Payment Services, DNA Payments, PayKings, EVO Payments, Authorize.net, Sezzle. 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.

10. ClearSale

ClearSale combines automated fraud detection with a large team of human analysts who review flagged transactions. This hybrid approach helps reduce false declines while still catching fraud.

It’s designed as a managed service, meaning businesses don’t need to build or maintain complex fraud systems themselves. Instead, ClearSale handles decisioning and review, and can offer chargeback protection depending on the plan.

The trade-off is speed and control, as manual reviews can take longer and businesses have less direct input into decisions. ClearSale can be integrated into and performs well with Shopify, WooCommerce, BigCommerce, and other ecommerce platforms.

What others say

A Shopify app store review said: “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.”

• Pricing: 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.
• Used by payment systems: 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.

11. Accertify

Accertify is an enterprise-grade fraud prevention platform backed by American Express.

It combines machine learning, rules-based decisioning, and global network intelligence to evaluate transactions, accounts, and user behaviour in real time.

Accertify pulls from shared data across merchants and issuers, allowing it to identify patterns that individual businesses wouldn’t see on their own. 

What others say

Accertify is frequently cited in Gartner reports and 2026 ecommerce fraud rankings as a leading enterprise fraud platform. Users highlight its flexibility and depth, though note it requires dedicated fraud teams to get full value.

• Pricing: Custom pricing based on volume and enterprise requirements
• Used by payment systems: Typically integrated at the enterprise level with custom payment stacks and processors

12. TruValidate (TransUnion)

TruValidate is TransUnion’s fraud and identity product, built to help businesses verify users and detect fraud from account creation to checkout. It combines identity data, device intelligence, and behavioural signals to assess risk in real time.

The platform leverages TransUnion’s global consumer data network, allowing businesses to validate identities, detect synthetic identities, and reduce fraud across channels like ecommerce, fintech, and financial services.

What others say

"We have had nothing but positive experiences with the tools and the support. Educational conferences are great and the team always listens to our needs," says one user, according to Gartner reviews.

• Pricing: Custom enterprise pricing
• Used by payment systems: Typically integrated into identity and fraud workflows rather than directly embedded in payment processors

13. Cybersource

Visa’s payments and fraud management platform, Cybersource, combines payment processing with fraud detection tools. It’s typically used by large ecommerce businesses needing fraud prevention built directly into their payment flow.

The platform uses machine learning models trained on Visa’s global payment network to detect suspicious transactions and reduce fraud in real time. It also includes tools for decisioning, rule management, and 3D Secure authentication.

What others say

Cybersource is consistently listed alongside Kount and Riskified in ecommerce fraud rankings, especially for businesses that want payments and fraud tightly integrated.

• Pricing: Custom pricing depending on usage and services
• Used by payment systems: Native to Visa ecosystem and integrated into enterprise payment stacks

14. Sardine

Sardine is a newer fraud, payments, and compliance platform focused on fintech and Web3 businesses. It combines fraud detection, payment processing, and compliance tools into a single system.

The platform is designed to manage risk across the entire transaction lifecycle, from onboarding and identity verification to payment monitoring and dispute handling.

Sardine is more flexible but also more involved to implement, as it’s designed to fit into custom payment and risk workflows rather than operate as a standalone tool.

What others say

Sardine has mixed reviews on Trustpilot. Some are positive, "The support was user friendly and provided the answer to my questions quick and fast," while others aren't so great:

"Slow transfers, hidden costs. They charged me much more for my purchase than advertised. There are dozens of other options out there, use anyone else."

• Pricing: Custom pricing depending on usage and services
• Used by payment systems: Typically integrated via orchestration platforms or custom payment stacks

Why ecommerce brands need solid fraud

protection

As we've seen from the top fraud prevention tools, protecting payments is critical. According to the 2026 AFP Payments Fraud and Control Survey, 76% of U.S. organizations experienced attempted or actual payments fraud in 2025, and 74% were affected by business email compromise (BEC) attacks.

Global ecommerce fraud losses are projected to more than double from around $40 billion in 2024 to over $100 billion by 2029, with cumulative card payment fraud losses estimated to exceed $400 billion over the next decade. Fraud can take many forms:

• Policy abuse: Customers exploiting return policies or claiming they never received an item.
• Friendly fraud and chargeback abuse: Legitimate customers disputing legitimate charges.
• Account takeover: Scammers gaining control of legitimate accounts.
• False declines: Legitimate orders being incorrectly flagged.

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.

If you're looking for a full business platform that combines sales, payments, and fraud protection, Whop offers an all-in-one solution.

With Whop, you don't just sell online and process payments - you get built-in fraud protection, dispute management, and chargeback prevention, all integrated seamlessly with major payment processors like Stripe and Adyen.

Fraud prevention with Whop is proactive and taken care of for you - all you have to focus on is selling.

How Whop protects ecommerce sellers

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.

Payments on Whop 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.

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.

These are systems most processors reserve for their biggest merchants. We built them into the foundation for every business using Whop Payments.

— Derek Wilmer, Whop

Whop makes accepting online payments 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.

Fraud prevention features:

• 3D Secure (3DS): Authenticates cards to reduce fraud ($0.03/transaction).
• Radar: ML-based real-time fraud detection ($0.07/transaction).
• Dispute Management: Track and resolve chargebacks efficiently ($15/dispute).
• Early Dispute Alerts (RDR): Proactively notify sellers of potential disputes to prevent chargebacks ($29/alert).

Fighting disputes with Whop

Whop also helps you minimize chargebacks by giving you clear tools to respond quickly, resolve disputes proactively, and provide evidence when necessary.

Whop’s Dispute Fighter tracks disputes, allows sellers to submit evidence, and automatically uploads transaction details.

Early dispute alerts act as a warning system and can even auto-refund low-risk transactions. The Resolution Center manages refunds before they escalate, letting sellers communicate with customers or let Whop make a decision if no response is provided within 7 days.

Machine learning in Whop adapts to new fraud patterns, reducing disputes caused by customer confusion and ensuring transactions appear clearly on statements.

Together, these features give sellers everything they need to protect payments and run an online business confidently.

Sell online safely with Whop

Fraud prevention is the difference between growing your business and losing money (and time).

Whop handles fraud protection, payments, and delivery in one place, so you can focus on selling.

Launch your business on Whop and ship safely without worrying about fraud and chargebacks.

Ecommerce fraud prevention tools FAQs

What is an ecommerce fraud prevention tool?

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.

How much do businesses lose to ecommerce fraud?

More than 76% of U.S. organizations experienced attempted or actual payments fraud in 2025, according to the 2026 AFP Payments Fraud and Control Survey. Globally, ecommerce fraud losses are projected to more than double from around $40 billion in 2024 to over $100 billion by 2029.

What is a risk score in fraud prevention?

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.

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.

What is device fingerprinting?

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.

What is a chargeback guarantee and which tools offer it?

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.

Can fraud tools detect VPN users?

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.

Do fraud tools require technical knowledge?

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.