From expedited checkout to special offers and rewards, customer accounts are a major driver of loyalty and retention, but valuable consumer data and rewards have made them a key target for fraudsters as well.
As PSD2 has strengthened security at the checkout, fraud has moved to other parts of the customer journey, particularly accounts. Bots and stolen credentials let attackers hit thousands of merchants at once. The activity looks like the genuine account holder, which makes it hard to spot without network-wide context.
Customer accounts are compromised long before checkout
Multiple entry points, infinite blind spots
Fraudsters probe at signup, strike at login and exploit account changes. Siloed tools catch those signals in isolation, if at all. The most dangerous patterns span multiple events and multiple merchants. You can't connect what you can't see.
Step-ups protect you. They also drive customers away.
Blanket challenges stop some fraud but alienate loyal customers who didn't deserve them. Remove them and you leave the door open. The answer isn't more friction or less; it's friction that knows the difference.
Your defences start at checkout. That's too late.
By the time fraud surfaces at checkout, the account is already compromised. Teams end up reacting: adjusting policies, chasing signals and managing fallout, rather than stopping it upstream.
Identity meets intent, on every account
A unified view across every account event
Signifyd connects signups, logins and account changes:
- One identity across every event. Identity resolved across signup, login and account changes, drawing on 900M+ identities across the Signifyd network
- Protection that starts long before checkout. A risk picture built from account creation onwards.
- Decisions that improve with every outcome. Downstream results feed back into our models, reducing false positives
Policies: Login
Friction that knows the difference
Intent, not just identity:
- Step-up challenges reach only the people who have earned them
- Your best customers sail through, bad actors don't
- A fraudster who slips past one checkpoint is caught at the next.
Secure the login-to-checkout experience
Built for every account threat
01 · Account creation
Fraudulent account creation
Bots and synthetic identities slip through at registration, setting the stage for promo abuse, card testing and downstream fraud. Signifyd evaluates every signup in real time to identify suspicious signals before a fake account can be used.
02 · Login
Account takeover
Stolen credentials let bad actors into genuine accounts, where they change payment methods, drain loyalty balances and lock customers out. Signifyd detects anomalous behaviour and applies step-up friction only where the risk is real.
03 · Authentication
Credential stuffing
Automated attacks test stolen credentials at scale. Most authentication layers can't tell a bot from a customer. Signifyd recognises credential-stuffing patterns in real time, using cross-merchant signals to flag attacks that would pass under the radar of any single tool.
04 · Wallet and loyalty
Wallet and loyalty fraud
Compromised accounts become vehicles for draining loyalty balances, testing cards and exploiting redemption flows. Signifyd monitors wallet and loyalty events for anomalies, securing high-value actions without adding friction
How it works
1
It all starts with the world's largest commerce network
With insight into consumer behaviour across billions of transactions from global merchants, Signifyd monitors ATO trends across our network to safeguard merchants from emerging attacks.
2
Network data is combined with behaviour and device data
Signals are captured from first visit, before an account exists, such as device ID, IP address, speed of checkout and order value, then compared to the consumer's footprint across the network.
3
ATO attempts are blocked instantly
By analysing how a transaction moves from account creation and login to checkout, Signifyd distinguishes a fraudster from the true account holder, blocking the purchase before it completes.
4
Decisions improve with every outcome
Downstream outcomes feed back into our models, refining precision and reducing false positives. Trusted users see less friction; attackers have nowhere to hide.
Protect your bottom line with account takeover protection
Overly restrictive login barriers fail to see the bigger picture. Signifyd monitors a transaction across the login-to-checkout journey, to more accurately assess fraud risk so that you don’t throw out the good with the bad.
Site navigation
Unusual speed detected
Add to cart
Several high-value items added in quick succession
Account creation or login
Device ID mismatch and unusual IP location
Checkout
Shipping address changed
Step-up challenge
Issued before the purchase can complete
Purchase declined
ATO detected and blocked
Ready to protect customer accounts with less friction?
See real-time account decisions in action.
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