Payment fraud detection solution

Stop chargebacks before transactions are made

By ensuring that bank cards actually belong to users, you can say goodbye to illegal chargebacks forever

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Stop chargebacks before transactions are made

Is KYC your only answer to fraud?

70% of fraud occurs after the KYC stage. That’s why it’s important to detect risky transactions before they’re processed, preventing chargeback-related losses.

30% of fraud attempts
Step 1
Creating account
KYC verification
70% of fraud attempts
Step 2
Adding payment method
Bank card verified
Step 3
Making transaction
Face authenticated

Quit losing money on chargebacks

Reduce chargeback fees & inventory losses by minimizing unauthorized transactions and scrubbing fraud attempts on time.

Safeguard your reputation

Fraudulent transactions harm your relationships with payment partners, and can even lead to account termination in some cases. Chargeback protection helps you remain a reliable partner for clients and businesses.

One simple flow to prevent all chargebacks

Stay protected against the most common chargeback frauds: fake or stolen documents, compromised accounts, and social engineering.

Step 1
Bank card verificationBank card verification
  • Data validation
  • Data crosscheck
Step 2
Face authenticationFace authentication
  • Liveness
  • Face match

Start exploring Sumsub today

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What our multistage algorithm does to detect fraudsters

Determines if the bank card is real and belongs to the user

  • Detects traces of any graphic editors
  • Extracts data accurately no matter the language or country, concealing all sensitive data
  • Performs name match, comparing bank card data with the account holder’s name
  • Performs country match, comparing the bank card’s country of issue with ID data
Determines if the bank card is real and belongs to the user

Identifies complex fraud signals

  • Calculates risk score based on IP, device fingerprint, and other fraud signals
  • Conducts cross-checks through a unique database of more than 1,000,000 fraudsters
Identifies complex fraud signals

Ensures that the true account holder performs the transaction

  • Advanced biometrics check that takes user 4 seconds
  • Catches the savviest fraud attempts, such as deepfakes or lookalikes
  • Works on any device
Ensures that the true account holder performs the transaction
Crypto transactions monitoring

Working with cryptocurrencies?
Check out our сrypto transactions monitoring.

View more details

We care about your users’ data

  • Information security: credit card info is blurred automatically in accordance with PCI DSS
  • GDPR: data porting or deletion is available for all users with automatic data expiration
  • Data encryption: all Sumsub servers are located within a private virtual cloud with network access control lists
  • Authentication: support for single sign-on, two-factor authentication, user roles and permissions
We care about your users’ data

Manage the entire customer lifecycle, trouble-free

  • Beef up your existing KYC/AML process

  • Configure which users go through payment method checks

  • Manage all user data within a single dashboard

Fits right into your process

The Sumsub SDK requires a one-time integration that’s done in 1 hour, with most clients beginning checks in a week. All further settings are code-free and available in the dashboard


Works on any device

Don’t take our word for it. Here’s what our clients have to say

Benjamin Daudignac

Benjamin Daudignac

Сo-founder at Bling

Thanks to Sumsub’s solution, we have zero fraud, which is quite rare in the cash advance sector. Since we can fully rely on Sumsub’s KYC process and risk assessment, we can delegate user onboarding to Sumsub and focus on other areas of our business.


See Sumsub in action

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  • What is chargeback fraud?

    Chargeback fraud (also called “friendly fraud”) is the process of claiming refunds for illegitimate reasons. The fraudster initiates the chargeback process with the bank by filing false complaints and authorization complaints online with stolen cards and bank accounts. Without proper chargeback prevention, fraud can cost companies a fortune in the long run and undermine reputations with payment partners.

  • What is chargeback prevention?

    Chargeback prevention is a set of verification measures made to thoroughly screen the cardholder and their bank card before a transaction can be made, which can be performed with verification software tools. The purpose is to prevent illegitimate transactions made with stolen bank cards and chargeback disputes altogether.

  • How do you fight chargeback fraud?

    Chargeback fraud and illegitimate refunds can be prevented with proper bank card credibility analysis and user verification prior to a transaction. Ensure that your new users have legitimate documents and that their bank card matches their identity. By performing this security measure, you fight back against scammers trying to abuse stolen bank cards to issue chargebacks later on, as well as other scams and friendly fraud chargebacks. Sumsub provides a chargeback fraud prevention solution crucial in achieving fraud prevention.