PAYMENT PROTECTION
Approve more Transactions. Catch More Fraud. Stay in Control.
Sift stops fraudulent transactions in real time, giving you the intelligence and control to make confident payment decisions, reduce operational burden, and approve more trusted customers.
The True Cost of Payment Fraud
$107B
Global fraud losses projected by 2029, growing 19% annually.
Source: Juniper Research
$4.61
Lost by merchants for every $1 of fraud.
Source: LexisNexis Risk Solutions
29%
Of merchants now rank operational cost as their top fraud priority.
Source: Merchant Risk Council
Simplify Payment Fraud Management
REAL-TIME TRANSACTION DEFENSE
Protect Every Transaction, Automatically
Detect and block risky transactions the moment they happen, from stolen card fraud and card testing to alternative payment abuse.
- Real-time risk scoring in under 150 milliseconds, continuously updated across the user lifecycle
- Patented AI/ML model ensemble, continuously retrained through online learning as fraud patterns shift
- Built-in coverage against fraudulent currency movement and alternative payment abuse
- Flexible risk scoring for teams building and deploying their own custom models
LESS MANUAL REVIEW, MORE CONFIDENCE
Automate Routine Decisions, Investigate in Real Time
Automate low-risk decisions, cut manual review volume, and give analysts the context to investigate complex trends faster, backed by dispute data and stronger user identification.
- Automated policies that cut manual review volume without added risk
- Policy and threshold testing against historical traffic before changes go live
- Bulk decisioning and historical network visualization for faster, higher-context investigations
- Built-in dispute data ingestion and stronger user identification
GROW WITHOUT ADDING RISK
Unlock Growth With Confidence
Track business health, approve more legitimate customers, and expand into new markets, with PSD2 compatibility built in for regulatory readiness.
- Full visibility into business health and acceptance trends
- Higher acceptance rates through approval of more legitimate customers
- Trusted-user treatment that reduces friction for known customers
- PSD2 compatibility for expansion into regulated markets
Intelligence You Can Trust. Control You Can Own.
Sift brings deeper context to every payment decision, with insight from 1 trillion annual events and 16,000 risk signals behind every score. Configurable workflows let your team adapt as threats and priorities change.
99.4%
Acceptance rate
80%
Fewer chargebacks
47%
Reduction in financial losses
Proven Results
Real impact for leading digital brands.
Case Study
Lunchbox
Enhancing operational efficiency, security, and customer trust
$1.5M
in fraudulent orders avoided
Case Study
Paula’s Choice
Reducing losses and safeguarding brand reputation
6x ROI
with Sift Payment Protection
Case Study
ChowNow
Empowering the team to focus on growth instead of fraud
99%
reduction in chargeback rate
Recently shipped
- Pre-built workflow templates: Launch payment protection quickly with ready-to-use workflows, no engineering support required.
- Global Profile in Workflows and Explore: Use fraud and velocity signals from connected users across the entire global network in routing, search, and decisions.
- Historical Chargeback Import: Improve payment fraud detection with historical chargeback data added to Sift’s models.
Go Deeper
Frequently Asked Questions
How does your solution detect and prevent online payment fraud in real time?
Every transaction is evaluated in under 150 milliseconds using signals from device, behavior, network, and identity data, drawn from a Global Data Network that processes more than 1 trillion events a year. Global, cohort, and custom models retrain automatically as fraud patterns shift, and risky transactions are blocked, challenged, or flagged for review before they complete.
How does your platform reduce chargebacks without declining legitimate customers?
Rather than applying blanket friction, each transaction is evaluated individually, reserving step-up checks or declines for the transactions that actually show risk. That accuracy is what lets teams cut chargebacks (customers have seen up to 80% fewer chargebacks) while still approving more legitimate customers instead of defaulting to caution.
What types of payment fraud can your solution prevent?
Sift detects stolen card fraud, card testing, buy-online-pick-up-in-store (BOPIS) abuse, alternative payment method fraud, and fraudulent currency movement, along with the account takeover and fake account activity that often lead to downstream payment fraud.
How is your payment fraud prevention solution different from other vendors?
Most vendors deliver a black-box score with limited visibility into why a decision was made. Sift gives teams full insight through tools like Score Explainability, network visualization, and transaction activity views, so you can see the signals and models behind every decision. Patented ensemble AI/ML models and workflow simulation let you test changes before they go live, and you can adjust thresholds and workflows directly, all backed by a data network broader than what any single company’s transaction data alone could provide.
See Payment Protection in Action