Riskified

The Risk Intelligence Platform for Ecommerce Growth

freemium· for enterprise

Riskified decisions every checkout in real time and takes financial liability for approved orders that turn out fraudulent, shifting chargeback risk off the merchant's P&L. Beyond fraud, it targets policy abuse — refund fraud, reseller behavior, promo exploitation — through its Policy Protect module. The buyer is typically a risk or payments leader at a mid-market to enterprise retailer where decline rates and chargeback ratios materially affect margin and processor standing.

> pick this if

Pick this if you're a mid-market or enterprise merchant where chargeback ratios, cross-border decline rates, or refund abuse are material line items and you want a vendor that takes financial liability on approved orders rather than just scoring them.

> look elsewhere if

Look elsewhere if you're sub-$5M GMV, running on Shopify Payments' native fraud protection, or unwilling to pay a percentage-of-GMV fee for a guarantee model — Signifyd, NoFraud, or Stripe Radar will be cheaper and lighter to deploy.

> Riskified is used by

Booking.com
TicketNetwork
GoPro
Lorna Jane
StockX
Ring
Skullcandy
Super.com
Dabble
Comoto
Tripster
Chewy
AKOMEYA TOKYO
BEMER Group
HBX Group
Uphold
Buyatab
Rue Gilt Groupe
Air Europa
Lastminute.com

> Riskified is built for

platform-agnostic

> what it does for ecommerce

Approve or decline orders in real time with chargeback liability shift
Block abusive return and refund patterns using Policy Protect behavioral models
Automate chargeback representment to recover revenue from issuer disputes
Monitor approval rates and decline reasons through operator-facing dashboards
Deploy via prebuilt connectors with integration timelines measured in weeks

> how you'd use it

DTC apparel brand, $80M GMV, 3-person risk/payments team inside a 120-person org
Replacing an in-house rules engine plus Signifyd trial — routing all Shopify Plus checkout decisions through Riskified with full chargeback liability shift, and layering Policy Protect on Loop returns to catch serial wardrobers
→ Approval rate lifted 2–4 points on previously borderline international orders, chargeback exposure moved off the merchant's books, and refund abuse flagged before RMAs are issued
Enterprise electronics retailer, $400M GMV, dedicated fraud ops team of 8–12 analysts
High-ticket SKUs with reseller and promo-code abuse problems; Riskified decisions orders at checkout, automates representment on Visa/Mastercard disputes, and feeds decline-reason dashboards to the payments lead for processor negotiations
→ Chargeback ratio held under card network thresholds, recovered disputed revenue through automated representment, and reduced manual review queue by roughly half
Cross-border marketplace or luxury brand, $50M–$200M GMV, lean risk function of 2–4
Launching in LATAM and SEA where issuer decline rates run high and internal models lack signal; deploying Riskified via prebuilt connector to absorb fraud liability while the team focuses on policy and CX
→ Expansion markets go live in weeks rather than quarters, with guaranteed approval economics making the unit math legible to the CFO

> what reviewers say

9 reviews analysed

praise

Chargeback reimbursement including fees processed quickly, no questions asked
Pay-only-when-wrong pricing model eliminates financial risk for merchants
Fraud protection fully automated, freeing teams from manual order review
Approval process integration makes fraud management completely hands-off
Reduced chargebacks significantly, cheaper than dedicated fraud staff

watch out for

Approved orders reversed after shipment, leaving merchant exposed mid-fulfillment
Chargeback claims denied despite tracking proof showing customer received goods
International address verification workflow creates operational confusion for merchants

Best for: "Mid-to-large volume merchants needing automated, hands-off chargeback liability coverage". ">2 reviewers report claim denials post-shipment; document all fulfillment evidence meticulously before filing"

> Riskified use cases

> Riskified key features

Enjoy full chargeback protection on every transaction
End-to-end visibility and automated reporting to take control of conversion
Automatically identify and block abusive refunds and returns with Policy Protect
Recover revenue with streamlined, automated chargeback management
Integrate in just a few weeks. Automate to scale fast.

> compliance & trust

SOC 2
ISO 27001
GDPR
CCPA
ISO/IEC 27017:2015
ISO/IEC 27018:2019
SOC 1
SOC 3

> alternatives to Riskified in our index

by shared use-case