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CHARGEBACK FRAUD PREVENTION
Stop disputes
Win evidence
Shufti stops chargeback fraud by proving who made the purchase, not just who owns the card. Biometric proof-of-person at the moment of transaction, device and IP signals logged automatically, and Visa CE 3.0-ready evidence packs assembled without manual build.
The Evidence Stack Chargebacks Fear
Shufti has verified 3 billion identities across 2,000+ organisations. Every signal enriches our daily analysis of thousands of dispute patterns.
Where Chargeback Fraud Strikes
Onboarding
Real identities, real accounts, no friction, no flag, no barrier to what comes next.
Purchase / Action
A real card on a real account. No identity check fires. The loss is already in motion.
Post-Transaction
The dispute goes straight to the bank. The merchant is debited. Without proof of the person, representation fails.
Organized Rings
The same identity, device, and timing window are cycling across merchants. Invisible at one. Obvious across the network.
FIVE ATTACKS. FIVE PLAYS
How Shufti Stops It
Liar-Buyer
When a verified cardholder makes a legitimate purchase and disputes it as unauthorized.
Never-Pay / Account Default
When a fraudster clusters high-value purchases and disputes all of them before detection.
Organised Refunder Rings
When professional rings run coordinated disputes across merchants, same device fingerprints, same reason codes, same timing windows.
Subscription and BNPL Abuse
When a subscriber uses a full cycle and then disputes the renewal.
Household / Family Chargeback
When a cardholder claims “I didn’t make this,” the answer is already on file.
Find your exposure
Chargeback fraud hits every sector differently
The highest-volume target. No proof. No win.
Biometric step-up at high-value checkout and live Transaction Trust Monitoring convert every disputed order into a CE 3.0-ready evidence pack.
THE BROADER PLATFORM
Shufti covers the full attack surface
What We Do
The core workflows Shufti delivers, verifying customers at onboarding and monitoring them throughout the full relationship.
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Onboarding
AI-powered document forensics, biometric verification, and real-time AML screening in one adaptive flow, verifying genuine customers while blocking synthetic identities at the door.
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Ongoing Monitoring
Continuous screening against 1,700+ sanctions, PEP, and adverse media sources. Customer records rechecked within minutes of a list update, not at the next periodic review.
What We Solve
The compliance and identity challenges regulated businesses face, KYC, KYB, fraud, age, workforce, and investor verification, resolved without stitching vendors together.
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Identity Verification
Document forensics, iBeta-certified biometric liveness, NFC chip verification, and AML screening through one API. Authenticate customers across 250+ regions from a single integration.
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Age Assurance
Three verification paths, facial estimation, docless eIDV, and document DOB extraction, n one flow. Stop underage access without driving away legitimate users.
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KYC
One configurable flow for document verification, face verification, eIDV, NFC, address verification, and AML screening. One integration, one audit trail, no vendor stitching.
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KYB
Live registry checks across 240+ official sources, complete UBO due diligence, and AML screening in one flow.
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KYI
Accreditation validation, document forensics, and MLRO-backed review in one investor verification flow. Meet accredited-investor mandates across 250+ jurisdictions without additional vendors.
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Workforce IAM
Verified identity at every access control point, onboarding, account recovery, privileged access, and MFA re-enrolment, without replacing your existing IAM stack.
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Candidate Verification
Document forensics, biometric matching, and enhanced due diligence inside your hiring pipeline. Catch fraudulent applicants and AI-generated candidates at application stage, not after offer.
Business Outcome
The results Shufti delivers at scale, staying compliant, stopping fraud, building user trust, and expanding globally from a single integration.
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Compliance
Automated KYC, KYB, and AML across 250+ regions. Audit-ready evidence trails for every decision. Sanctions refreshed every 15 minutes — 96x faster than industry standard.
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Fraud Prevention
40+ ensemble AI models across the full customer lifecycle. Independent testing: 8 of 8 document forgeries detected where legacy stacks caught zero.
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Trust & Safety
Verify users, sellers, workers, and businesses before risk reaches your platform. One trust layer across marketplaces, gaming, gig economy, fintech, and age-restricted services.
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Global Expansion
230+ countries, 10,000+ document types, 150+ languages. One API with jurisdiction-configurable workflows and regional cloud infrastructure across EU, UK, US, APAC, and MENA.
BUILT FOR YOUR TEAM
One platform. Every stakeholder
Compliance Officer
Regulator-defensible audit trail at every account-change event.
Product Manager
0.75s passive biometric. Legitimate pass rates up, fraud acceptance down. Live in a sprint.
Developer
REST API, mobile SDKs, and sandbox access. First verification call within hours of integration start.
Fraud Analyst
Signal-level Risk Score with full breakdown. >70% fraud reduction without growing the review queue.
Shufti is top competitor serving global end users
Shufti delivers the widest global coverage with its own technology, ensuring flexibility, innovation, and stronger Extended IDV capabilities than regional or orchestrated competitors.
Download Full Report
Seamless Integrations, Powerful Results
Build fully customizable verification flows with seamless backend integration.
- Gain full control by customising verification flows end-to-end.
- Integrate seamlessly with your backend for quick implementation.
- Design flexible verification journeys tailored to your users.
Launch a native verification experience inside your iOS or Android app within minutes.
- Launch native verification within minutes on iOS or Android.
- Use ready-made UI with camera, capture, and real-time feedback.
- Customise flows to fit seamlessly into your mobile app.
With KYC Journey Builder, design personalised verification journeys without writing a single line of code.
- Customise your journey effortlessly with drag-and-drop functionality.
- Instantly preview how your verification flow looks for your users.
- Easily connect with Hosted Verification for a consistent, branded experience.
Run Shufti within your own infrastructure for maximum data control and privacy.
- Keep all sensitive information in-house to meet strict governance and residency requirements.
- Maintain full data sovereignty with secure, isolated processing.
- Deploy in highly regulated sectors without compromising compliance.
Independently Audited. Globally Certified
Certifications
Your Go-To for KYC/AML & Fraud
Resources
2 October, 2025
6 minutes read
AI-Powered Transaction Fraud Prevention
An AI risk engine for real-time transaction decisions that stops fraud and reduces false positives.
Product Brief
Frequently Asked Questions
What is chargeback fraud?
Chargeback fraud, also called friendly fraud, is when a real cardholder disputes a legitimate transaction to reclaim funds while keeping the goods or service. It’s committed by the genuine account holder, which is what makes it invisible to most fraud stacks and impossible to disprove without biometric evidence.
My fraud stack already flags suspicious transactions. Why is chargeback fraud still getting through?
Chargeback fraud uses real cards, real accounts, and real identities. There is nothing to flag at the transaction moment. The loss only becomes visible when the dispute is filed, and by then, without proof-of-person, the representment fails. Shufti closes that gap with 1:1 Authentication at the purchase layer.
What is Visa CE 3.0 and how does Shufti support it?
Visa CE 3.0 lets merchants counter first-party fraud chargebacks by proving prior non-disputed transactions from the same device ID and IP address. Transaction Trust Monitoring and Device Fingerprinting log both signals automatically at every transaction. 1:1 Authentication adds the biometric match record. The evidence pack is assembled without any manual build.
How does Shufti detect organised refunder rings, not just individual disputes?
Transaction Trust Monitoring flags cross-session velocity anomalies that are invisible at the single-merchant level but obvious across the network. AML Screening treats ring behaviour as a money laundering typology, not a billing dispute, screening against 1,700+ watchlists in 215+ jurisdictions.
What is VAMP and how does Shufti keep merchants below the threshold?
Visa VAMP sets an excessive chargeback threshold at 0.9% from January 2026, with a $10 fee per transaction above it. Transaction Trust Monitoring tracks your real-time dispute ratio and fires alerts before the threshold is breached, giving your team time to act upstream, not respond to a penalty.
How quickly does Shufti deploy?
Live in days. Pre-built APIs, SDKs, and a no-code Journey Builder integrate with your existing payment and fraud stack, no rip-and-replace. Existing Shufti KYC clients inherit the biometric anchor from onboarding. No second enrolment required.
Where is biometric data stored? Is this GDPR compliant?
You own your data. Cloud, on-premises, or hybrid, biometric templates stay in your jurisdiction. ISO/IEC 27001, SOC 2 Type II, GDPR, and PCI DSS compliant by default.
Free Blind-Spot Audit
The Blind Spot Audit rescans verified sessions with four detection engines deployed in your cloud, no PII exposure, no integration required.