A year ago we replaced static fraud rules with an adaptive scoring model. Here is what changed for merchants — with numbers.
Static rules are easy to understand and easy to break. Fraudsters learn a threshold in days; honest customers get blocked for buying two gifts in a row. Adaptive scoring evaluates every transaction against a merchant-specific baseline that changes with the season, the campaign and the region.
Results across the portfolio
- Chargeback rate down 41% on average, 63% for digital goods
- False declines down 18% — more good customers approved
- 3-D Secure challenges reduced to 12% of transactions thanks to exemptions
- Manual review queue shortened from hours to minutes
What merchants control
The risk appetite is yours: three presets (conservative, balanced, aggressive) plus custom rules for specific products, countries or campaigns. Every decision is explained in the dashboard so support can answer customer questions.
The goal of a risk engine is not to block fraud. It is to approve every honest payment.
Want a personal audit of your decline reasons? Ask your manager — it takes one business day.