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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 
Leverage data to create a seamless, frictionless experience that can increase transaction approval rates by up to 95%.
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%.

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.

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.

Invest in Proven Protection That Delivers Real Results

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.

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.

Rapid Fraud Response

When faced with a coordinated fraud and chargeback attack in Australia, MANSCAPED quickly adjusted rules and used data insights to block fraudulent transactions. Their proactive actions cut chargebacks from over 2% to 0.02% within weeks, preventing major losses.

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.  

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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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