Payment Fraud Solution

"We've stopped fraud rings, gambling addicts, credit card fraudsters, and bonus abusers. Thanks to the ability to create rules and block suspicious logins and payments."

G2 4.2 rating

Block stolen credit cards, counter friendly fraud, reduce refund abuse

Increase customer trust while protecting your stock and bottom line from fraudsters. Check purchases on the fly and filter out stolen credit cards, triangulation attempts, and cases of possible identity theft. Protect user accounts and funds while staying safe from fees and fines with SEON's fraud prevention toolset.

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Flag suspicious activityFlag suspicious activity

Flag suspicious activity

Catch unwanted activity by monitoring hundreds of data points collected by SEON. Is someone spending more than usual? Does the shipping address name match the cardholder's name? Is this the fourth order in an hour with the same card? Rely on our default rules for quick wins, or roll out advanced custom rules to track changes in behavior and block risks unique to your business.

Reveal payment card informationReveal payment card information

Reveal payment card information

Uncover payment card details with SEON's Card BIN search. Easily identify credit cards, including pre-paid and gift cards. Stop suspicious card use by checking 4, 6, 7, 8, and 9-digit BINs to confirm a card's issuing bank and country of origin. Match and compare card details to discover inconsistencies and block fraudsters before they can hurt your business.

Spot suspicious devices and connectionsSpot suspicious devices and connectionsSpot suspicious devices and connections

Spot suspicious devices and connections

Unleash SEON's powerful device fingerprinting and IP analysis tools to put fraudsters on the back foot. Decline purchases from suspicious devices or connections, including browsers, tools, and addons commonly used in fraudulent attempts. Block transactions with mismatching info, such as IP geolocation different from billing and mailing addresses.

Increase security with machine learningIncrease security with machine learning

Increase security with machine learning

Stay in control while benefitting from our machine learning's speed, flexibility, and transparency. It recognizes new patterns faster than the human eye can and recommends new rules to block suspicious activity based on your business. Whitebox machine learning gives you visibility into why and how risk scores are calculated. Blackbox machine learning adds another layer of speedy anti-fraud defense.


Payment fraud is a key challenge for modern businesses. SEON helps you solve the issues of stolen credit card payments, friendly fraud, and high chargeback requests in one fell swoop.

The key is to gather as much data as possible – as quickly as possible. This is precisely what our real-time data enrichment and risk-scoring system do for you.

With SEON, you can profile customers using as little as an email address or phone number. The connection methods, from IP addresses to device configurations of software and hardware, are also treasure troves of user data. Enriching data relating to the card itself can help you raise red flags, such as prepaid cards or those registered in countries that differ from where the user is located.

All the data is gathered in real-time, drastically reducing friction at checkout without sacrificing security.

When it comes to measuring risk, our traffic lights system allows you to instantly block high-risk transactions, manually review medium-risk payments to minimize false positives, and allow low-risk users to enjoy a seamless experience, keeping your best customers happy.

You have complete control over the risk rules, allowing you to tailor SEON to meet your risk challenges head-on.

Our machine learning engine can even suggest risk rules that your risk analysts may have missed. This is all part of our tech stack designed to help you flag, control, and reduce payment fraud today.


How can SEON help with payment fraud?

SEON gathers user and payment data and enriches it in real-time. All this profiling information is fed through risk rules, which allow you to gauge how risky a payment is. High-risk payments, which are fraudulent, are automatically declined. Low and medium-risk payments can be reviewed or automatically allowed.

What kind of payment data can SEON gather?

SEON can take a card number and let you know if it’s pre-paid, where it’s registered and if it’s valid or not. It can also tell you the type of card it is linked to, as well as the issuer. A single email address or phone number can also reveal suspicious user digital data, such as a lack of social signals or freshly created email addresses. Aggregating and comparing all this data helps spot inconsistencies and fraudulent information.

Does SEON offer a chargeback guarantee for payment fraud?

No, because chargeback guarantees can negatively affect your bottom line. We believe that chargeback guarantee payment models are an incentive to be overly strict with payments, which creates too many false positives. Our pay-per-API-call pricing model is much more flexible and allows you to mitigate risk how you see fit.

Where can I find more information about payment fraud?

You can learn more about how SEON works in our Knowledge Base. Here is a guide too about payment fraud.
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"As soon as our staff used SEON on a regular basis, they could see its value. It immediately started saving them time as they didn’t have to trawl through the usual checkpoints. So much so, that the time spent by Air France analysts on manual reviews is down by an impressive 70%. Instead, all the information they needed was on one screen with a simple scoring system enabling them to see if a transaction was real or not."
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Eric Facquet
Deputy Manager of Fraud Prevention
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"The most useful thing for us was to be able to see if the email and phone numbers weren’t registered anywhere. We also rely on the device fingerprinting metadata in our scorecard to filter out junk users. We immediately saved about 6% of costs on our automated KYC checks. After only 2 months, we started seeing impressive results. Up to 3 times fewer cases of defaulting customers in new regions such as Romania and Europe. 4 months later, the fraud rates dropped by over 65%."
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Sergey Bogdanov
Chief Risk Officer
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"We were looking at another provider, but they came back to us with a 4-6 months integration window. With SEON, it was literally a phone call, sandbox tests on Monday and by the end of the week, it was done. One other thing I’d like to comment on is the pricing model. It’s really 2022, like for scaling together. The SEON model, it’s now one we actively look for with our other partners. Clearly an organization that approaches work and its customers in a different way."
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Coert Snyman
Senior Analyst
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"I tested some extra rules, and over a few months I managed to push SEON’s auto approval from an initial accuracy of 95% unto 99.5%. Taking the time to update your SEON rules is an investment that gives great results. And the best thing is that we can do so without deploying any software. From an engineering perspective, it is extremely time and resource saving, allowing us to react much faster."
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Phillipp Keller
Senior Product Manager
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"I couldn’t believe how fast the results came,” says Gergely. “Our chargeback rates dropped by 91% in one month only.” Moreover, the number of manual queries and fraud catch rates continued to improve after the initial 30 days as the system adjusted itself – part of the benefits of deploying a machine-learning algorithm to fine-tune accuracy."
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Gergely Kálmán
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"SEON allows us to stay one step ahead as by keeping advantage players at bay we are able to continue offering competitive bonuses with low wagering requirements to our players,” Daniel says. “And the fact that SEON team are so open to feedback and implement the feedback quickly gives us as their client a significant advantage which we couldn’t find with other competitors in their field."
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Daniel Saliba
Head of Compliance
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"It wasn’t just the technology that’s great though, the education side of things helped us understand the types of tactics and patterns used by fraudsters and put rules into place to prevent them."
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Stacey Pickering
Head of Operations
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"We deployed SEON both on our website and web app to gather device data as well as IP and email information. It was unbelievably fast, both in terms of integration and results. In 4 days only, our fraud rates were pretty much down to 0."
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Lewis Bye
Senior Projects and Operations Specialist
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"We overlay SEON’s digital and social lookup with device fingerprinting to get a good indication of whether the phone or tablet belongs to the actual client. We can instantly filter out obvious fraudsters with no digital or social presence, and we get better intelligence to automate our decision making."
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Juris Rieksts-Riekstinš
Head of Risk

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Payment Fraud

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