How Payop Scaled Global Payment Coverage While Blocking Fraud Across 500+ Payment Methods

About Payop

Payop is a global payment service provider offering over 500 local and international payment methods. Headquartered in Europe, the company serves merchants across digital goods, gaming and marketplaces in Asia, EMEA and the Americas. With a rapidly expanding merchant base and growing transaction volume, Payop faced unprecedented exposure to fraud during the global pandemic, particularly chargebacks tied to high-risk digital products and inexperienced merchants that lacked sophisticated fraud prevention capabilities.

Challenge

When COVID-19 hit, fraud volumes spiked dramatically across Payop’s platform. For the first time, the company began facing systematic, coordinated attacks – waves of fraudulent purchases and chargebacks that overwhelmed its internal fraud detection tools.

Several key challenges emerged:

• Unprecedented fraud surge: Coordinated attacks targeting digital goods merchants with sophisticated chargeback schemes that existing internal tools couldn’t handle
• Merchant vulnerability: Many merchant partners lacked fraud prevention knowledge or proper tool configuration, creating additional platform vulnerabilities
• Resource strain: Support teams were overwhelmed while critical payment partnerships faced potential termination due to fraud exposure
• Limited visibility: No real-time fraud monitoring across diverse geographies, payment methods and merchant verticals
• Systemic risk: Fraud attacks on individual merchants threatened to spread across the entire platform without proper containment

Solution

Payop selected SEON as its comprehensive anti-fraud engine, both to protect its own operations and serve as a critical safety net for its global merchant base. SEON’s seamless integration, advanced device intelligence and flexible rules engine provided immediate protection against coordinated attacks.

Key reasons included:

• Real-time threat detection: Instant identification and blocking of coordinated fraud attacks across all payment types and geographies
• Merchant protection layer: Acts as a secondary defense system when merchants’ own fraud tools fail or are improperly configured
• Scalable infrastructure: Handles 500+ payment options across multiple time zones without performance degradation
• Expert support: Continuous rule optimization and threat intelligence from SEON’s fraud specialists
• Integrated compliance: Built-in sanction screening and AML capabilities streamline regulatory requirements
• API flexibility: Seamless integration with existing payment infrastructure without extensive development resources

“SEON gives us system-wide visibility. Even if fraud starts on one merchant, we block it across the platform before it spreads.”

Anastasia Semenkova, Chief Executive Officer, Payop

Conclusion

Payop has transformed its approach to fraud prevention by partnering with SEON during a critical period of growth and unprecedented fraud challenges. Since implementation, the company has achieved immediate fraud reduction, maintained critical payment partnerships and doubled its business year-over-year while providing comprehensive protection across more than 500 payment methods.

As Payop continues its aggressive expansion into new payment corridors and digital verticals, SEON remains integral to its fraud prevention and compliance strategy, enabling the company to scale securely while protecting its entire merchant ecosystem.

“SEON’s constant product updates and fraud detection capabilities keep us ahead. We now spot fraud trends early, sometimes before merchants even notice.”

Anastasia Semenkova, Chief Executive Officer, Payop