Riskified

Riskified is an AI-powered risk and fraud intelligence platform designed specifically for large global e-commerce enterprises. Its primary function is to facilitate critical revenue decisions through the use of advanced e-commerce risk management tools. The system allows online merchants to protect themselves against payment fraud and chargebacks, optimizing profitability and operational security in digital environments.

Riskified's technology is based on machine learning models that analyze massive data volumes to provide real-time order decisions. One of its most prominent capabilities is the chargeback guarantee, a model in which the platform assumes financial liability for fraud. This enables companies to approve a higher number of legitimate transactions that other systems might preemptively decline, thereby increasing conversion rates and net revenue.

For operational management, the tool includes a dispute resolution system that centralizes chargeback administration. Through this dashboard, users can manage all reason codes and payment gateways from a single location. Integrated automation helps prevent legal dispute deadlines from expiring, improving the efficiency of finance teams. Additionally, the policy protection feature is designed to identify abusive shopper behavior, such as return fraud or promotion misuse, safeguarding profit margins.

Regarding customer security, Riskified features Account Secure, which prevents account takeover (ATO). This system blocks malicious login attempts while ensuring a frictionless experience for legitimate users accessing from their computer or mobile device. Furthermore, the platform offers a PSD2 optimization solution, which reduces friction during the checkout process by minimizing Strong Customer Authentication (SCA) requirements while maintaining a secure risk profile with card-issuing banks.

The core capabilities of this AI-driven fraud prevention solution include:

• Automated real-time decisions to scale sales volume without increasing risk.
• Centralized chargeback management to optimize dispute operations.
• Policy abuse detection to stop losses from opportunistic behavior.
• Protection against unauthorized access to customer accounts to build trust and loyalty.
• Intelligent regulatory compliance to maximize conversion under European payment regulations.

Riskified serves as a comprehensive solution for merchants looking to expand their business internationally, providing a technological infrastructure that mitigates risks associated with fraud, chargebacks, and policy abuse while enhancing the end-to-end shopping experience.