ATO, checkout security, and refund abuse — in one API.
Stop account takeover, friendly fraud, and policy abuse without adding friction to legitimate customers.
Every declined good order is a lifetime-value hit. Scorift squeezes both sides — higher approvals on real customers and tighter blocks on the abuse patterns costing merchants their margin — from checkout through post-purchase.
CNP checkout
Score at auth with a decision that pairs with your PSP and 3DS strategy.
Account takeover
Session, device, and behavior signals block credential-stuffed logins.
Promo & referral abuse
Household- and cluster-level caps on discount codes and referrals.
Returns & refund fraud
Detect serial returners, empty-box, and wardrobing patterns.
- Approval-rate lift measured against your PSP baseline in the first 30 days.
- 3DS decisioning helper — exempt low-risk, challenge medium, block high without adding user friction.
- First-party fraud (friendly fraud) scoring for dispute evidence packages.
- Shopify, WooCommerce, Adobe Commerce, and BigCommerce plugins with 5-minute installs.
From event to decision in four steps
Behavioral signals collected passively — no impact on load time.
Score returns before your PSP call. High-risk orders challenged or blocked.
Post-auth review for high-ticket orders and freight-forwarder addresses.
Returns, refunds, and chargebacks tracked to close the loop on outcomes.
Built for every risk moment
Freight-forwarder detection and stolen-card patterns for high-value SKUs.
Instant-delivery flows where refunds and chargebacks are the entire fraud surface.
Score the initial purchase and every renewal — with dunning-aware rules.
Route BNPL vs. card by real-time risk score to optimize approval + margin.
Independently audited and continuously monitored.
Multi-region active-active with graceful degradation.
Every decision ships with a signal breakdown for your analysts.
Talk to a fraud engineer or spin up a sandbox today — no credit card required.