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Payments Fraud

With machine learning, real-time insights, and advanced decisioning, Equifax can help detect and prevent card-not-present fraud across digital channels while reducing false declines and chargebacks — protecting revenue and customer experience.
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Real-Time Payment Fraud Prevention for Digital Transactions

Payments Fraud on Kount® 360 is a robust fraud prevention solution designed to help stop card-not-present threats in real time. Built on decades of expertise and powered by advanced machine learning, it helps businesses detect fraud, reduce chargebacks, lower false declines, and increase approval rates — resulting in better protection, higher revenue, and a seamless customer experience.
Combat Emerging Fraud Tactics
Stop advanced threats like address manipulation and cross-merchant card testing with intelligent, real-time fraud prevention.
Leverage Pre-Built Decisioning Models
Use optional pre-built models for email insights, address verification, and more to enhance fraud detection.
Boost Approvals with Data-Driven Decisions 
Use optional pre-built models for email insights, address verification, and more to enhance fraud detection.
Reduce False Declines with Advanced Risk Assessment
Advanced risk assessment cuts false declines by up to 65%, minimizing customer frustration and preventing lost sales.

How Payments Fraud Stands Apart in a Crowded Market

Unlike generic fraud tools, Payments Fraud on Kount 360 leverages over 15 years of data and dual-layer machine learning to detect evolving threats like card testing and BOPIS fraud. Businesses can reduce false declines by up to 65% — while increasing approvals up to 95%.

How Payments Fraud Stands Apart in a Crowded Market

Unlike generic fraud tools, Payments Fraud on Kount® 360 leverages over 15 years of data and dual-layer machine learning to detect evolving threats like card testing and BOPIS fraud. Businesses can reduce false declines by up to 65% — while increasing approvals up to 95%.

Quick Service Restaurants

To stay ahead of evolving threats, QSRs must take a proactive, multi-layered approach to fraud. AI-powered tools enable real-time monitoring, detect employee fraud, and enhance dispute resolution by balancing security with a seamless experience.

Protect Multiple Types of Payment with Confidence

Payments Fraud relies on dual-layer machine learning to detect evolving threats. No matter the type of payment method, we have got you covered.
• Credit and Debit Cards
Keep traditional payment methods safe from fraudsters who obtain card numbers online
• Buy Now, Pay Later
Offer new and innovative payment methods without worry of any additional type of fraud risk.
• Payment Apps
Whether your customers pay with Venmo, Cash App, or Square, all transactions are secured.
• Digital Wallets
Keep stored payment information safe from account takeover and theft.

How Payments Fraud on Kount 360 Works

Payments Fraud on Kount 360 evaluates every user payment interaction in real time. It collects data such as device ID, IP address, and location, then analyzes it against a global network of billions of data points using machine learning. A risk score is generated almost instantly, and your business policies determine whether to accept, block, or challenge the interaction. This automated process helps stop fraud like card-not-present attacks and account takeovers — without disrupting the experience for trusted users.

Why Invest in Payments Fraud?

Payments Fraud on Kount 360 offers a data-rich, AI-powered platform trusted by leading businesses to fight payment fraud with precision. It cuts manual review costs, defends against new threats, and protects revenue — making it a smart, future-proof investment.

Prevent Revenue Loss

Facing a surge in pandemic-related fraud and chargebacks, eharmony implemented Payments Fraud. They successfully reduced chargebacks by 50%, streamlined operations, and ensured regulatory compliance, protecting both revenue and customer trust.

Custom Fraud Protection

As AMC expanded, it needed more tailored fraud protection. By fully leveraging a scalable, customizable platform, AMC now manages risk by product and location, enabling precise decisions, smooth customer experiences, and continued growth without added risk.

Frequently Asked Questions

We offer direct integrations with leading ecommerce platforms like WooCommerce, BigCommerce, Magento, Shopify, Salesforce, and Shift4Shop, making setup as easy as a few clicks. These integrations allow fraud decisioning results to appear directly in your platform’s dashboard, so you can easily monitor key payment information in one place. And if you ever switch platforms or need to upgrade, our flexible technology and expert support team ensure a smooth, hassle-free transition.

Our solution works with any processor, gateway, or setup you’re currently using — no specific platform required. You can also connect it to other systems like your CRM, order management system, ecommerce platform, website, or mobile app to enhance risk assessments with richer data. Integration options are flexible: use an API, a mobile SDK, or one of our many existing platform connections. There’s no one-size-fits-all approach, so we recommend reaching out to explore what integration would look like for your business.
 

Payments Fraud works with thousands of clients all over the world. Our solution is compatible with all currencies. Also, our technology is designed to comply with all region-specific data and privacy requirements.

Our experts can help you build a fraud strategy that's fully automated, hands-on, or anything in between — giving you complete control. With our intuitive platform and unlimited user accounts, your team can easily adjust settings at any time. Explore our automation tools and the unique features behind them.
 

No - our database has already stored nearly two decades worth of insights. Once the integration process is complete and your solutions are activated, you’ll have immediate results.  

Related Resources

Fraud Prevention for Quick Service Restaurants

The restaurant industry is up against innumerous challenges. It can be difficult to maintain success. Learn about effective fraud management that can increase approvals and revenue.
View The QSR Report

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A Layered Approach to Stopping Fraud

Equifax helps reduce fraud by up to 90% with a layered approach that verifies identities, detects threats, and protects revenue — without adding friction to the customer experience.

Stronger Fraud Defense
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