Signifyd provides an API‑driven commerce protection platform that uses machine‑learning fraud scoring and a financial guarantee to cover losses on approved orders. The solution improves authorization rates, automates chargeback recovery, detects return abuse, and offers instant risk‑free refunds, helping online retailers increase conversion and protect customer accounts. A centralized dashboard delivers real‑time insights and compliance reporting.
Funding
$205M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
+1Founders
Product
Problem
E‑commerce merchants lose sales and profit due to fraudulent transactions, false declines, chargebacks, and return abuse, which also erode customer trust and limit growth.
Solution
Signifyd delivers a commerce protection platform that combines real‑time machine‑learning fraud detection with a financial guarantee against fraud losses. The system enriches transaction data to improve bank authorization rates, while automatically handling chargeback disputes and providing tools to prevent return abuse. Merchants receive actionable insights through a web dashboard and can offer instant, risk‑free refunds to boost loyalty. The platform integrates via APIs and pre‑built connectors, enabling seamless deployment across a range of retail verticals and payment‑provider ecosystems.
Target Audience
The primary customers are online retailers and marketplace operators across sectors such as fashion, electronics, grocery, and home goods, as well as payment service providers seeking to reduce fraud risk and improve conversion.
Features
- ML‑driven fraud scoring engine with 100 % financial guarantee on approved orders
- Real‑time decisioning API that returns accept/decline decisions within milliseconds
- Authorization rate optimization using enhanced data signals to increase bank approvals
- Complete chargeback protection and automated recovery workflow to reduce loss exposure
- Return abuse detection and analytics that surface high‑risk return patterns and actionable recommendations
- Instant refund service that issues risk‑free refunds instantly, improving customer satisfaction
- Account protection module that monitors and safeguards customer accounts against credential stuffing and account takeover
- Centralized dashboard with transparent decision logs, performance metrics, and compliance reporting (PCI DSS, GDPR)