What is account takeover (ATO) fraud?

Account takeover fraud happens when a bad actor gains unauthorized access to a user account, often through stolen credentials or social engineering. Once inside, they can steal data, make purchases, or commit further fraud.

How does Sift prevent account takeover attacks?

Sift uses AI-powered machine learning models and behavioral signals to detect suspicious activity in real time, stopping account takeover attempts before damage is done—without disrupting legitimate users.

What is payment fraud in digital commerce?

Payment fraud involves unauthorized or deceptive transactions, such as using stolen credit card information or exploiting checkout processes to avoid payment.

Can Sift reduce chargebacks from payment fraud?

Yes. Sift’s AI-powered decisioning blocks fraudulent transactions in real time, helping reduce chargebacks, fees, and manual review costs.

How does Sift use machine learning to detect fraud?

Sift uses continuously trained machine learning models that analyze behavioral signals, device data, and global fraud patterns to detect and stop fraud in real time.

Sift is the AI-powered fraud platform delivering identity trust for leading global businesses. Our deep investments in machine learning and user identity, a data network scoring 1 trillion events per year, and a commitment to long-term customer success empower more than 700 customers to grow fearlessly. Brands including DoorDash, Yelp, and Poshmark rely on Sift to unlock growth and deliver seamless consumer experiences. Visit us at sift.com.

Unlock Revenue with Unified ATO Operations

Connect diverse, fragmented insights, automate cross-team workflows, and eliminate data gaps with Sift’s intuitive, end-to-end platform — so you can confidently protect users and your bottom line.

"Patreon trusts Sift. If Sift gives us a score of 90, we know that that’s fraud—there’s no need to double check. Our error rate is as close to zero as it can get."

Maritza Dominguez, Trust & Safety at Patreon

Demo Compare Industry Account Takeover Data

$4.2M

In fraud losses prevented per year, per customer

.01%

Bring ATO rates closer to zero

Building Back Trust and Shrinking ATO

Account takeovers (ATOs) are a type of cyberattack, fraud risk, or identity theft that results in the unauthorized access of an account, typically through the use of stolen credentials. Once an account has been compromised, it may be used to launch additional attacks, make fraudulent purchases or transactions, or steal valuable information.

$635B

In ATO losses in 2023.

Aite Group

427%

Jump in rate of blocked account takeovers in 2023.

Sift research

Unified Account Protection Makes Users Untouchable

Expand fearlessly without sacrificing trust. AI-driven detection handles large-scale account takeover attacks at login with built-in multi-factor authentication tools.

Pinpoint risky activity with identity-centric insights. Trusted users transact without a hitch, but automatic notifications fire off in response to risky sessions, keeping friction functional and false-positives low.

Scale fraud ops with confidence. Automate risk decisioning, simplify complex cases, and speed up manual review with total transparency into account activity and data—all in one intuitive console.

Building an internal risk engine? The Sift Score API adds critical external context to internally-built risk models. Detect global & industry threats with real-time risk scores powered by 1T annual consortium events. Build the way you want, without sacrificing access to the powerful tools in the Sift Console. Learn more.

AccountTakeover_Solutions-Overview-Circle@2x

Instantly Accept Trusted Tokens and Transactions

70%

Automation of manual review cases

0.01%

Near-zero account takeover rates

Fine-tune Friction & Decisioning

Large-scale account attacks mean your business is growing rapidly. Protect profits, arm against ATO, and increase order acceptance with Sift’s built-in, multi-factor authentication (MFA).

When our anti-fraud rules rejected too many legitimate transactions, we engaged with Sift to reduce that number of false positives and stay ahead of real fraudsters.

Wayan Tresna Perdana

Sr. Product Manager | User Platform, Traveloka

Break Apart the DNA of Digital Account Risk

Trusted users transact with ease, fueling growth and retention through secure, frictionless experiences. Automatically protect every user with real-time risk alerts.

Manage Fraud at Scale

Automate risk decisions with Sift Workflows, deep-dive into complex cases, and accelerate manual review with a comprehensive view into account activity and data using the intuitive, customizable Sift Console.

70%

More efficient

Accelerate operational efficiency with 70% automation of manual review cases.

0.01%

Sustain Customer Trust and Loyalty

Unlock conversions for trusted users and lower your ATO rate with Sift.

Accelerate Time-to-Trust

Fraud moves fast. Trust should move faster. Grow securely with cross-dimensional identity intelligence.

DISCOVER IDENTITY TRUST XD

AI-fueled Data and Decisioning Accelerates Secure Growth

View All Customer Stories

What initially drew me to Sift was the number of other partners it integrated with, and the ability to leverage the network effect of Sift across the partner ecosystem.”

Yan Pritzker

Co-founder & CTO Swan Bitcoin

read customer story

90%

Reduction in loss rate

80%

Less time spent on manual review

Sift helps us detect more ATO than our rules-based system could, and the console makes it easy for our team to investigate suspicious cases and take action quickly.”

Wayan Tresna Perdana

Sr. Product Manager - User Platform Traveloka

read customer story

96%

Less traffic to 3D Secure

2x

More orders accepted

Been There, Fought That

Evolving risk is an opportunity to redefine reward. Fraud pain points become business potential—fueling revenue through every user engagement and transaction—with Sift’s complete platform of digital risk solutions.