Riskified Unveils Adaptive Checkout: AI Fraud Prevention That Maximizes Ecommerce Conversion Rates
Riskified has launched Adaptive Checkout, an AI-powered fraud prevention solution designed to optimize ecommerce conversion rates by reducing false declines. The system intelligently adapts checkout flows based on transaction risk levels, identity shopping history, and data from Riskified's global merchant network.
Unlike traditional binary approve/decline systems, Adaptive Checkout customizes the checkout process by selectively applying additional security measures like CVV verification, One-Time Passwords, or 3DS routing for higher-risk orders. The solution also screens fraud before issuer authorization and provides enriched order data to partnering issuers.
In a case study, online marketplace TickPick implemented the solution and recovered up to $3 million in incremental revenue that would have otherwise been declined due to fraud risk.
Riskified ha lanciato Adaptive Checkout, una soluzione di prevenzione delle frodi alimentata dall'IA, progettata per ottimizzare i tassi di conversione dell'ecommerce riducendo i rifiuti ingiustificati. Il sistema si adatta in modo intelligente ai flussi di checkout in base ai livelli di rischio delle transazioni, alla storia degli acquisti dell'identità e ai dati provenienti dalla rete globale di commercianti di Riskified.
Rispetto ai tradizionali sistemi binari di approvazione/rifiuto, Adaptive Checkout personalizza il processo di checkout applicando selettivamente misure di sicurezza aggiuntive come la verifica del CVV, le password monouso o il routing 3DS per ordini ad alto rischio. La soluzione esamina anche le frodi prima dell'autorizzazione dell'emittente e fornisce dati sugli ordini arricchiti agli emittenti partner.
In uno studio di caso, il marketplace online TickPick ha implementato la soluzione e ha recuperato fino a 3 milioni di dollari di entrate incrementali che altrimenti sarebbero state rifiutate a causa del rischio di frode.
Riskified ha lanzado Adaptive Checkout, una solución de prevención de fraudes impulsada por IA, diseñada para optimizar las tasas de conversión del comercio electrónico al reducir los rechazos indebidos. El sistema se adapta inteligentemente a los flujos de pago según los niveles de riesgo de las transacciones, el historial de compras de la identidad y los datos de la red global de comerciantes de Riskified.
A diferencia de los sistemas tradicionales de aprobación/rechazo binarios, Adaptive Checkout personaliza el proceso de pago aplicando selectivamente medidas de seguridad adicionales como la verificación de CVV, contraseñas de un solo uso o enrutamiento 3DS para pedidos de mayor riesgo. La solución también examina el fraude antes de la autorización del emisor y proporciona datos de pedidos enriquecidos a los emisores asociados.
En un estudio de caso, el mercado en línea TickPick implementó la solución y recuperó hasta 3 millones de dólares en ingresos incrementales que de otro modo habrían sido rechazados debido al riesgo de fraude.
Riskified는 Adaptive Checkout를 출시했습니다. 이는 AI 기반의 사기 방지 솔루션으로, 잘못된 거절을 줄여 전자상거래 전환율을 최적화하도록 설계되었습니다. 이 시스템은 거래 위험 수준, 신원 구매 이력 및 Riskified의 글로벌 상인 네트워크의 데이터를 기반으로 체크아웃 흐름을 지능적으로 조정합니다.
전통적인 이진 승인/거절 시스템과 달리, Adaptive Checkout는 CVV 확인, 일회용 비밀번호 또는 높은 위험 주문에 대한 3DS 라우팅과 같은 추가 보안 조치를 선택적으로 적용하여 체크아웃 프로세스를 맞춤화합니다. 이 솔루션은 발급자 승인 전에 사기를 검토하고, 파트너 발급자에게 풍부한 주문 데이터를 제공합니다.
사례 연구에서 온라인 마켓플레이스 TickPick는 이 솔루션을 구현하여 사기 위험으로 인해 거절당했을 수 있는 300만 달러의 추가 수익을 회복했습니다.
Riskified a lancé Adaptive Checkout, une solution de prévention des fraudes alimentée par l'IA, conçue pour optimiser les taux de conversion du commerce électronique en réduisant les refus injustifiés. Le système adapte intelligemment les flux de paiement en fonction des niveaux de risque des transactions, de l'historique d'achat de l'identité et des données du réseau mondial de commerçants de Riskified.
Contrairement aux systèmes traditionnels d'approbation/rejet binaire, Adaptive Checkout personnalise le processus de paiement en appliquant sélectivement des mesures de sécurité supplémentaires telles que la vérification du CVV, les mots de passe à usage unique ou le routage 3DS pour les commandes à haut risque. La solution examine également la fraude avant l'autorisation de l'émetteur et fournit des données de commande enrichies aux émetteurs partenaires.
Dans une étude de cas, le marché en ligne TickPick a mis en œuvre la solution et a récupéré jusqu'à 3 millions de dollars de revenus supplémentaires qui auraient autrement été refusés en raison du risque de fraude.
Riskified hat Adaptive Checkout eingeführt, eine KI-gestützte Betrugspräventionslösung, die darauf abzielt, die Konversionsraten im E-Commerce zu optimieren, indem falsche Ablehnungen reduziert werden. Das System passt die Checkout-Prozesse intelligent an die Risikostufen der Transaktionen, die Einkaufshistorie der Identität und Daten aus Riskifieds globalem Händlernetzwerk an.
Im Gegensatz zu traditionellen binären Genehmigungs-/Ablehnungssystemen passt Adaptive Checkout den Checkout-Prozess an, indem es selektiv zusätzliche Sicherheitsmaßnahmen wie CVV-Überprüfung, Einmalpasswörter oder 3DS-Routing für Bestellungen mit höherem Risiko anwendet. Die Lösung überprüft auch Betrug vor der Autorisierung des Emittenten und liefert den Partneremittenten angereicherte Bestelldaten.
In einer Fallstudie hat der Online-Marktplatz TickPick die Lösung implementiert und bis zu 3 Millionen Dollar an zusätzlichen Einnahmen zurückgewonnen, die andernfalls aufgrund des Betrugsrisikos abgelehnt worden wären.
- New AI solution reduces false transaction declines while maintaining fraud protection
- Demonstrated success with TickPick generating $3M in incremental revenue
- Enhanced fraud screening before issuer authorization checks
- Integration with issuer systems for improved legitimate transaction approval
- None.
Insights
Riskified's new Adaptive Checkout solution represents a strategic expansion of their core fraud prevention offering with significant revenue implications. The key innovation here addresses a critical pain point for ecommerce merchants: balancing fraud protection with maximizing conversion rates.
The $3 million in incremental revenue achieved by TickPick provides a compelling ROI case study that Riskified can leverage in sales conversations. This quantifiable benefit transforms Riskified's value proposition from cost reduction (fraud prevention) to revenue enhancement (conversion optimization), potentially commanding higher perceived value and pricing power.
What's particularly valuable is how this solution leverages Riskified's existing data network across merchants. Their AI models improve with scale, creating defensible competitive advantages as they process more transactions. The ability to customize checkout flows based on risk profiles demonstrates sophisticated AI application that competitors may struggle to replicate without similar data scale.
This product launch indicates Riskified is expanding beyond basic fraud prevention into the broader conversion optimization space, potentially increasing their total addressable market. For a company with
The technical sophistication of Adaptive Checkout represents a significant evolution in fraud prevention architecture. Moving beyond binary approve/decline decisions to dynamic, risk-calibrated checkout flows demonstrates advanced machine learning implementation that few competitors can match.
What's technically impressive is the real-time decisioning engine that can selectively apply friction (CVV verification, OTP, 3DS authentication) only when needed. This surgically precise approach minimizes conversion-killing friction while maintaining security – solving the fundamental technical challenge that has plagued ecommerce fraud prevention.
The solution intelligently operates at multiple stages of the payment flow: screening blatant fraud before authorization, customizing verification methods during checkout, and even enriching order data sent to issuing banks. This comprehensive approach addresses multiple failure points in the transaction lifecycle.
Most fraud prevention tools rely on static rule sets that inevitably create false positives. Riskified's approach uses their vast dataset from "hundreds of millions of data touchpoints" to train continuously improving AI models that can distinguish subtle patterns of legitimate versus fraudulent behavior. The network effect created by processing transactions across their merchant base creates a defensible technological moat that grows stronger with each transaction.
New offering aims to intelligently adapt each checkout flow to reduce false declines and boost ecommerce conversion rates
Traditional fraud prevention systems rely on nested rules resulting in binary approve/decline decisions, which can lead to false declines, insulted customers and lost sales. Riskified’s Adaptive Checkout shifts away from this traditional model by intelligently adapting each checkout journey based on an order's unique risk profile, the identity’s shopping history, and hundreds of millions of data touchpoints from Riskified’s global merchant network. Leveraging AI, Adaptive Checkout customizes the checkout flow for each transaction, surgically applying additional security measures for select higher-risk orders, enabling merchants to confidently approve more genuine orders while blocking fraud at various stages of the process.
“As fraudsters grow more sophisticated, ecommerce merchants face the risk of losing legitimate customers through false declines, which can directly impact their revenue,” said Eido Gal, CEO & co-founder of Riskified. “Merchants raised this critical challenge with us, leading to our development of Adaptive Checkout to further optimize ecommerce conversions. By leveraging AI to assess risk and adapt the checkout experience in real-time, merchants are better able to balance fraud prevention with the need to approve as many legitimate transactions as possible.”
Adaptive Checkout routes order through specific flows based on their risk profile, selectively applying additional identity verification such as entering a credit card CVV, issuing a One-Time Password (OTP) or routing to 3DS, only when necessary. This minimizes disruption for good customers while effectively filtering out fraudulent transactions. As part of Adaptive Checkout, Riskified screens out blatant fraud before it reaches the issuer’s authorization checks and sends enriched order data to partnering issuers, enabling them to identify and approve legitimate transactions more easily.
TickPick is a leading online marketplace with
With Adaptive Checkout, merchants can confidently approve more good orders, reduce false declines, improve authorization rates, and enhance the overall customer experience, ultimately leading to increased revenue and improved customer retention. This advanced solution empowers fraud and payments teams to make a measurable impact on the company’s topline growth. View the Adaptive Checkout demo video on Riskified.com.
About Riskified
Riskified (NYSE:RSKD) empowers businesses to unleash ecommerce growth by outsmarting risk. Many of the world’s biggest brands and publicly traded companies selling online rely on Riskified for guaranteed protection against chargebacks, to fight fraud and policy abuse at scale, and to improve customer retention. Developed and managed by the largest team of ecommerce risk analysts, data scientists, and researchers, Riskified’s AI-powered fraud and risk intelligence platform analyzes the individual behind each interaction to provide real-time decisions and robust identity-based insights. Riskified was named to CNBC's World’s Top Fintech Companies in 2024. Learn more at riskified.com.
View source version on businesswire.com: https://www.businesswire.com/news/home/20250305247308/en/
Cristina Dinozo
Sr. Director of Communications
press@riskified.com
Chett Mandel
Head of Investor Relations
ir@riskified.com
Source: Riskified
FAQ
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