Best Payment Fraud Detection Software (2026): Top 10 Compared

Kount is now sold by Equifax, and kount.com redirects to Equifax's identity and fraud pages. The payment product is Payments Fraud on Kount 360, which Equifax positions against card-not-present fraud in digital channels.

Each payment interaction is scored in real time. The system collects device ID, IP address and location, compares them with a global network of data points using machine learning and returns a risk score. The merchant's own policies then decide whether to accept, block or challenge the payment. Equifax names card testing, cross-merchant card testing, address manipulation and buy-online-pick-up-in-store fraud as target threats, and states that false declines can fall by up to 65% and approval rates can rise to as much as 95%. These are vendor figures and depend on the merchant's starting point.

Equifax groups the product with Authorized Payment Protection for account takeover at login and checkout, Chargeback Prevention, Chargeback Recovery and Professional Services, and markets the set to both merchants and acquirers.

ClearSale, which describes itself as part of Experian, sells fraud protection to ecommerce merchants and states that it protects more than 100,000 of them worldwide. Machine learning scores each order, and the company's analyst team reviews complex or high-risk orders before a decision. The pricing page describes three tiers that run from AI-only screening to full human review with a chargeback guarantee.

Pricing is based on approved transactions. Growth plans with the Chargeback Guarantee start from $250 a month and scale with monthly transaction volume. Merchants processing 50,000 or more orders a month move to custom pricing with dedicated analyst teams, custom decision rules, priority service levels, SSO and SAML, and volume discounts.

ClearSale lists more than 18 native platform integrations, chargeback management tools and account protection for identity and abuse cases. Price inputs named on the page include order volume, average order value, industry risk, chargeback history, geographic markets and payment methods.

Wyllo is the current brand at nofraud.com, which now redirects to wyllo.ai, and the company's developer documentation remains at developers.nofraud.com. Payment Fraud Protection is one module of a wider risk platform for online retailers.

The module screens orders in real time, including digital wallet payments, phone orders and $0 orders. Riskier orders are escalated automatically to Wyllo's fraud analysts, which removes manual review from the merchant's own staff. Merchants can add custom rules based on their shopper patterns and run a white-labelled verification experience that contacts customers when more information is needed.

Other modules cover bot and reseller detection, return fraud and abuse, claim and policy abuse, customer service risk scores and chargeback management. Customer stories on the site come from Shopify and Adobe Commerce merchants, including a Fatty15 case study that reports a 63% fall in chargebacks. Pricing is set through a calculator or a demo rather than a published table.

Forter's Fraud Management product evaluates identity, behavioural, device and payment signals in real time and returns a decision at checkout. Its core claim is network recognition: the Forter Network covers more than 2 billion identities across more than 250,000 storefronts, which lets the system recognise a legitimate customer on a first purchase with a new merchant.

The product applies the same decision logic across cards, digital wallets, buy now pay later, ACH, gift cards and alternative payment methods, so a merchant does not run separate tools per payment type. The Analytics Agent gathers transaction context for fraud analysts and surfaces the signals behind each case.

Forter sells adjacent modules for payment optimisation, dispute management, account protection and abuse prevention, plus Forter Element. The site also refers to decisions for AI agents as well as people, and quotes Priceline on securing travel bookings. Pricing goes through sales.

Accertify sells Fraud Management as part of its Predictive Yes Platform. The product uses machine learning, device intelligence and user behaviour analytics to score transactions in real time, and it is aimed at merchants that keep a fraud team in house.

The analyst workflow is the centre of the product. Analysts can see many transactions in a Queue view or open a single case in a Review view, then investigate with scoring on each element of the transaction. A KPI dashboard reports high-level metrics, and report generation covers analyst, chargeback and resolution reports. Data validation services and consortium data from Accertify's network feed the decision.

The same platform includes account protection, passwordless authentication, abuse prevention, payment optimisation, chargeback management and a payment gateway. Accertify states that it has served merchants for 19 years and lists industry pages for marketplaces, financial institutions, sports betting and iGaming, grocery, quick-service restaurants, ticketing, travel and retail.

Ravelin markets payment fraud prevention to both merchants and payment service providers, and publishes separate developer documentation for each. The approach combines bespoke machine learning trained on a client's own data and Ravelin's consortium network, a rules engine and graph analysis.

Each transaction receives a 0 to 100 score. Ravelin Connect maps links between customers, current and past, so a team can see organised rings rather than single orders. The rules engine includes an AI rule generator, semantic search over rule attributes and custom data lists, and rules can be sandboxed and simulated before going live. The Ravelin Dashboard and Insights reporting include an AI query builder.

Ravelin also labels transactions made by autonomous AI agents, and sells modules for refund abuse, promotion abuse, account takeover, marketplace partner fraud, 3D Secure and transaction optimisation. Sector pages cover retail, travel and ticketing, digital goods and subscriptions, and marketplaces.

Decision Manager is the fraud and risk product of Cybersource, which belongs to Visa's Visa Acceptance Solutions family. Cybersource states that the product draws on insight from more than 269 billion VisaNet transactions, screened 3.2 billion transactions in 2023 and averages under 600 milliseconds per screening.

Rules can run before authorisation. Rejecting a fraudulent attempt at that stage avoids issuer authorisation fees and unnecessary holds on a customer's card, and lets the merchant decide whether to send the payment through Payer Authentication for 3D Secure or check PSD2 exemptions. The Rules Suggestion Engine applies machine learning to historical data to recommend new rules, Decision Manager Replay runs a what-if analysis of a strategy against past transactions, and Identity Behavior Analysis recognises returning good and bad identities.

Cybersource also states uptime of 99.999% across the Visa ecosystem. No price is listed. The page invites merchants to register for an evaluation account or contact sales.

Protect is the fraud module of Adyen Uplift, Adyen's suite for optimising payments for conversion, risk and cost. It combines machine learning, merchant rules and Adyen's global payments data to assess every transaction in real time.

The AI risk score compares each payment with what Adyen describes as trillions of global data points, which helps it recognise trusted shoppers on their first visit to a merchant. That score is passed to the other Uplift modules and informs authentication, checkout and cost decisions. Risk rules can be backtested against historical data and A/B tested on live traffic, and merchants receive benchmarked performance insights with a recommendation engine. Pre-configured settings and automated decisions are meant to keep integration and operating costs down.

Adyen publishes a NordSecurity case study reporting a 10% conversion increase after moving to Protect. Adyen's pricing page lists processing and payment-method fees rather than a separate fraud fee, and states that custom pricing is available on request.

Checkout.com offers fraud screening in two tiers. Fraud Detection is the baseline for every Checkout.com merchant: it screens transactions with network intelligence and lets teams manage velocity limits and allow and block lists. Fraud Detection Pro adds machine learning risk scores built on network models and device data collected through Risk.js.

In Pro, velocity rules can use cumulative spend, relative occurrences such as several emails per cardholder, and cross-merchant signals such as devices tied to disputes elsewhere on the Checkout.com network. Rules group into Risk Profiles with positive or negative scores and thresholds to accept, decline or challenge a payment with 3D Secure. Standard users can shadow-test rules on live traffic, while Pro adds backtesting against months of historical data. Both tiers show the triggers behind each decision.

The fraud tools are sold with Checkout.com processing, priced on flat-rate or interchange++ terms.

FraudLabs Pro is a fraud screening service and API for online stores. It checks orders against IP geolocation, billing and shipping addresses, proxy use, email, payment and blacklist data, then returns a fraud score that the merchant's validation rules act on.

Plans are priced by monthly query volume and unlock more rules and checks as they rise. The free Micro plan covers 500 queries a month with five validation rules. Small adds email domain age, disposable email, card attempt velocity and phone checks. Medium adds virtual card detection, a user network graph, hourly sales anomaly detection and account takeover prevention. Large adds advanced and user behaviour anomaly detection, and Enterprise adds malware exploit checks and the highest limits on sub-accounts and blacklists.

Supported platforms include Shopify, WooCommerce, Magento, PrestaShop, BigCommerce, OpenCart and WHMCS. A mobile app lets merchants review flagged orders.