Best 10 eCommerce Fraud Prevention Software Platforms in 2026

Executive summary

Fraud has become a strategic issue for every sizeable ecommerce business. With rising fraud losses, sophisticated fraud tactics, and more complex ecommerce platform stacks, leaders can no longer rely on simple rules or manual reviews. Modern ecommerce fraud prevention software combines machine learning, behavioural analytics, identity verification, and real-time monitoring to protect revenue while ensuring legitimate customers can move smoothly through the checkout flow.

Key takeaways for decision-makers

• Think in terms of a stack, not a single product: Leading organisations blend payment fraud protection, account protection, and identity verification across multiple layers to stay ahead of evolving fraud risks.

• Prioritize real-time capabilities: Real-time fraud detection, risk scoring, and monitoring are now table stakes for managing suspicious and risky transactions before they become unauthorized.

• Balance risk and experience: Platforms that help reduce false positives and false declines will protect customer experiences and limit lost revenue without giving fraudsters a free pass.

• Lean into data and machine learning: Systems that use behavioural analytics, device fingerprinting, user behavior, and historical data can generate more accurate risk scores and stay adaptive as fraud patterns shift.

• Check integration and operations fit: Strong integration capabilities, technical support, and case management workflows matter just as much as algorithms when you are embedding prevention software into existing e-commerce platforms.

The choice between Eftsure, Accertify, ClearSale, InstantID, aiReflex, Sift, SEON, Riskified, Cybersource, TruValidate, and Kount comes down to where fraud concentrates in your customer journey, how your online store operates today, and where you plan to grow next. By aligning fraud protection strategy with broader business objectives, leaders can stay ahead of ecommerce fraud while still delivering the kind of customer experiences that keep legitimate customers coming back.

Introduction

Online merchants are stepping into 2026 with more opportunities and more risk than ever. As transaction volumes grow and fraud tactics evolve, generic fraud prevention is no longer enough. Senior leaders need prevention software that blends real-time detection, machine learning, and behavioural analytics without wrecking the customer experience. This article examines 11 mature, battle-tested platforms that help ecommerce businesses prevent fraud, reduce false positives, and protect revenue at scale.

Key highlights

• Modern fraud prevention is shifting from static rules to AI-powered fraud detection and behavioral signals.

• Leading platforms combine fraud detection solutions, dispute management, and identity verification into one connected fraud management stack.

• Look for features that support risk scoring, device fingerprinting, and real-time monitoring.

• Chargeback guarantees, transparent risk scoring, and flexible fraud prevention policies can align fraud control with broader business goals.

Top 10 eCommerce Fraud Prevention Softwares in 2026

The eleven platforms below address a range of needs related to payment fraud, account takeovers, fake accounts, and unauthorized transactions.

1. Eftsure

Eftsure stands out by closing a structural gap in payments: banks do not verify that an account name matches the account number. The platform focuses on protecting outgoing payments from business email compromise, fake invoices, and internal fraud. Eftsure uses a large crowdsourced directory of verified payees, layered with real-time monitoring, to block fraud before funds leave the business. Pricing is subscription-based and tailored to transaction volumes and complexity.

Key capabilities

• Vendor bank detail verification across an extensive network of verified suppliers.

• Real-time detection of risky transactions before payment execution.

• Segregation of duties and workflow controls to prevent fraud and error.

• Centralized audit logs to support compliance and internal fraud reviews.

• Integration with leading ERP systems for streamlined implementation.

2. Accertify

Accertify is an enterprise-grade fraud prevention solution built for global merchants that need to manage ecommerce fraud, account takeovers, and chargebacks in one place. Backed by American Express, it combines machine learning, rules engines, and network intelligence to detect fraud across the entire customer journey. Pricing is fully customized, based on industry, transaction mix, and selected modules.

Key capabilities

• Multi-layered fraud detection using machine learning and rules.

• Account protection for account takeover and new-account abuse.

• Device data collection for granular risk scoring and fraud patterns.

• Chargeback management workflows to reduce fraud losses and lost revenue.

• Integration capabilities with leading ecommerce platforms and payment gateways.

3. ClearSale

ClearSale differentiates itself with a hybrid model that combines AI-driven fraud detection with a large in-house team of human analysts. The goal is simple: maximise approvals for legitimate customers while limiting fraudulent transactions and false declines. ClearSale’s commercial model is straightforward: it charges a fixed percentage of approved transactions, with a chargeback guarantee for covered fraud.

Key capabilities

• AI-enabled scoring engine trained on global historical data and fraud patterns.

• Human analyst review for suspicious orders and disputed cases.

• Focus on customer experience by reducing unnecessary friction.

• Chargeback guarantees help prevent fraud losses from eligible fraud.

• Integrations with major e-commerce platforms for rapid deployment.

4. InstantID (LexisNexis Risk Solutions)

InstantID is designed for identity verification at scale, helping businesses detect fraud at onboarding rather than at the checkout page. By matching customer data against billions of public and proprietary records, it delivers high-precision risk assessment in seconds. Pricing is quote-based, reflecting volumes, data sources, and complementary fraud detection tools across the LexisNexis portfolio.

Key capabilities

• Real-time identity verification using broad data points and reference databases.

• Risk scoring to identify suspicious transactions and fraudulent activity.

• Support for regulatory frameworks such as AML and Customer Identification Programs.

• Blacklisting of confirmed bad actors and fake accounts.

• Options for business verification and portfolio-wide account protection.

5. aiReflex (Fraud.com)

aiReflex is a digital risk and trust platform centred on AI and behavioural analytics. It focuses on real-time fraud-detection accuracy, combining supervised and unsupervised machine learning with explainable decision-making. The solution gives risk teams a consolidated case management view across channels. Pricing is customized, usually linked to transaction volumes and required modules.

Key capabilities

• AI-powered fraud detection with deep-learning models.

• Behavioural analytics and user behavior insights for richer context.

• Real-time monitoring of transactions and activities across channels.

• Centralized case management for risk teams and investigators.

• Data orchestration via APIs for flexible fraud-prevention architectures.

6. Sift

Sift is positioned as a digital trust and safety platform for high-growth ecommerce business models, marketplaces, and fintechs. Its strength lies in a vast global data network and machine learning models trained on trillions of events, which feed into real-time risk scoring for every interaction. Pricing varies by use case, with tiers based on transaction volume.

Key capabilities

• Real-time fraud detection with unified risk scores across the customer journey.

• Account protection for account takeover, fake accounts, and loyalty abuse.

• Dynamic workflows that route suspicious orders for manual review.

• Detailed console and analytics for actionable insights and fraud management.

• Integrations with major payment gateways and e-commerce platforms.

7. SEON

SEON focuses on real-time digital footprint analysis to detect fraud and block fraud before checkout. It is known for its modular approach and the ability to enrich email, phone, IP, and device data using dozens of external signals. SEON offers a free tier, a starter plan starting around the mid-market price point, and enterprise pricing on request.

Key capabilities

• Digital footprint enrichment built from social, device, and IP intelligence.

• Behavioural analytics and risk scores to highlight risky transactions.

• Configurable rules engine for transparent risk scoring and policy tuning.

• Tools that help reduce false positives and support better customer experiences.

• APIs and modular deployment options for different ecommerce platform stacks.

8. Riskified

Riskified is best known for its chargeback guarantee model and focus on boosting approval rates for global ecommerce merchants. Its platform combines AI, device data, and behavioural signals to detect fraud in real time while keeping friction low for legitimate customers. Pricing is bespoke and typically linked to processed transaction value.

Key capabilities

• AI models trained on large-scale ecommerce fraud data.

• Instant decisioning that helps prevent fraud and protect customer experience.

• Full chargeback guarantee on approved orders, helping stakeholders offer chargeback guarantees.

• Account protection for account takeover and loyalty or coupon abuse.

• Dashboards for monitoring approval rates, fraud risks, and performance.

9. Cybersource Platform (Visa)

Cybersource, from Visa, combines payment processing and e-commerce fraud protection into a single platform, appealing to enterprises seeking a unified payment and fraud stack. Its Decision Manager product applies machine learning and risk scoring to hundreds of data points, informed by Visa’s global transaction network. Pricing depends on configuration, including gateway fees and per-transaction charges.

Key capabilities

• Risk scoring powered by VisaNet transaction data and device fingerprinting.

• Real-time detection and real-time monitoring with configurable rules.

• Support for 3-D Secure and regulatory mandates, including PSD2.

• Tokenisation and data security to protect customer data and reduce compliance overhead.

• Case management tools that help risk teams efficiently review suspicious orders.

10. TruValidate (TransUnion)

TruValidate is TransUnion’s suite for identity, device, and behavioural fraud protection. It helps ecommerce businesses and financial institutions verify users and detect fraud across channels, from login to checkout. TruValidate can detect fraud risks early without overloading legitimate customers with friction. Pricing is based on implementation scope, volumes, and specific modules deployed.

Key capabilities

• Identity verification and risk assessment through identity, device, and behavioural data.

• Real-time detection of suspicious transactions and fraudulent activities.

• Multi-channel delivery via API, batch, or web interfaces.

• Tools to reduce false positives and protect customer experience.

• Professional services and technical support options for complex deployments.

11. Kount

Kount is a long-standing SaaS platform for fraud protection that leverages its Identity Trust Global Network to analyse billions of interactions. It is widely used by online retailers and businesses with diverse payment gateways that need consistent risk scoring across channels. Pricing is typically per-transaction, with tiers and packages negotiated directly.

Key capabilities

• Real-time fraud detection using machine learning and device fingerprinting.

• Protection against payment fraud, account takeover, and policy abuse.

• Flexible policies that support fewer false declines for legitimate customers.

• Built-in dispute management tools to handle chargebacks.

• Dashboards and analytics for fraud reviews, risk scoring, and performance tracking.

Building a fraud prevention strategy that actually serves

Choosing ecommerce fraud protection technology in 2026 is about more than just blocking bad actors. Senior leaders need to think about how fraud prevention, fraud detection, and dispute management connect to customer experiences, business goals, and long-term market presence. The right mix of fraud prevention tools can help prevent fraud, reduce unauthorized transactions, and protect the customer journey without overwhelming risk teams or degrading approval rates.