Safeguard Your Ecommerce Business Against Fraudsters

As consumer expectations and fraud attacks continue to grow, retailers are faced with the daunting task of providing a seamless shopping experience while also keeping their business, customers, and data secure. The rise in online shopping has led to a surge in identity fraud, putting businesses and consumers at risk. Striking the right balance between convenience and security is essential to preventing fraudulent activity without adding unnecessary friction to the buyer's journey.

New Account Fraud (NAF) and Account Takeover (ATO) fraud are undermining digital shopping, impacting retailers and ecommerce stores' bottom lines. Scanning for fraud at checkout is too late — retailers need to stop fraudsters before they get to the "buy" button. By embedding strong customer identity practices at every touchpoint, you can detect and prevent fraud early, removing checkout hurdles and delivering personalized, low-friction experiences that drive sales and build loyalty.

This checklist will help you assess identity fraud prevention solutions so you can implement best practices to safeguard your business, reduce fraud costs, and build trust with your current and future customers.

Does the Vendor Provide Online Fraud Detection?

• Detect and stop fraudulent orders in real time by analyzing shopping behavior, payment patterns, and suspicious account activity.
• Continuously monitor account logins, profile changes, checkout attempts, and loyalty program redemptions to flag and prevent fraud before purchases are completed.
• Leverage AI-powered risk models to distinguish between real customers and fraudsters, ensuring seamless experiences for legitimate shoppers.

Does the Solution Detect and Prevent ATO?

• Identify unauthorized login attempts by analyzing location, device, and behavioral signals to prevent fraudsters from accessing customer data, stored payment methods, gift cards, and loyalty points.
• Dynamically enforce step-up authentication when risky changes occur, such as adding new shipping addresses or modifying payment details.
• Detect credential stuffing, password spraying, and multi-factor authentication (MFA) bombing attacks to prevent unauthorized access to customer accounts and stored payment credentials.

Does the Solution Detect NAF?

• Block fraudsters from creating fake accounts to abuse promotions, loyalty programs, and sign-up incentives.
• Assess device, network, and behavioral signals to stop fake registrations before they impact your business.
• Automatically flag suspicious sign-ups, such as those using disposable emails, anonymized IPs, or stolen personal information.

Does the Solution Detect and Block Bots Committing Fraud?

• Prevent bots from scalping products, hoarding inventory, and abusing discount codes in real time.
• Use AI-powered bot detection to stop automated fraud attempts such as checkout fraud, loyalty point theft, and card testing scams.
• Deploy rate-limiting and velocity checks to block bot-driven orders without disrupting legitimate customers.

Does the Solution Minimize Impact to Legitimate Customers?

• Dynamically adjust authentication at all customer journey stages including registration, login, account management, and checkout based on risk signals to prevent fraud without slowing down real customers.
• Integrate AI-driven fraud detection with adaptive authentication to continuously improve detection accuracy and identify and stop emerging threats without negatively impacting the shopper experience.
• Reduce checkout friction by only requiring additional verification for high-risk transactions, such as bulk orders or unusual payment methods.
• Keep customers signed in longer to fast-track them to checkout with passive fraud checks around behavior, device and IP attributes, and more to ensure the account has not been hijacked.

Does the Solution Protect the Entire Customer Journey, from Login to Checkout?

• Apply continuous risk analysis throughout the shopping session to detect fraud at registration, login, profile management, and more — not just checkout.
• Enforce API access policies for omnichannel retail experiences to ensure secure interactions across web, mobile, and in-store kiosks.
• Seamlessly integrate third-party fraud intelligence to enhance retail fraud prevention without impacting CX.

Does the Vendor Provide Flexible Fraud Mitigation to Protect Online Interactions?

• Implement various fraud response methods, such as requiring MFA or blocking high-risk transactions in real time.
• Enforce authentication dynamically, ensuring a frictionless shopping experience for trusted customers.
• Use orchestration to automate fraud response workflows, instantly denying or redirecting high-risk users before checkout.

Does the Vendor Support Passwordless Authentication for Retail Transactions?

• Enable FIDO-based credentials allowing customers to authenticate quickly and securely on trusted devices.
• Reduce fraud risk by eliminating passwords, making it harder to use stolen or weak credentials for ATO.
• Deliver seamless checkout experiences with passwordless authentication, letting verified customers shop and pay without additional login friction.