Signifyd

Overview

Signifyd sells ecommerce commerce protection under a financial guarantee, and unusually for this lane it sells to two buyer types rather than one. The Commerce Protection Platform serves merchants and covers Guaranteed Fraud Protection, Complete Chargeback Protection, Account Protection, Authorization Rate Optimization built on issuer integrations, Chargeback Recovery, Return Insights and Instant Refunds. A separate Payments Optimization Platform is sold to payment providers. The guarantee is configurable rather than fixed, running from fraud only cover to a total chargeback liability shift, and the company draws an explicit distinction between that and a performance service level guarantee, arguing an approval rate promise carries no incentive to exceed the target. Decisions are made from session data covering internet protocol address, behavior and transaction detail, with a machine learning contextual layer drawing on forensic data and more than 150 out of band identity sources, and the company states it recognizes over 98 percent of online shoppers through its merchant network. Two mechanisms sit around the automation: Expert Re-review, under which a declined order can be resubmitted with further information for review by a certified fraud analyst, and a published commitment to supply the data behind a decision. Assurance is documented rather than asserted, with an annual SOC 2 Type II available under non disclosure, a SOC 3 report downloadable without one, ISO 27001, PCI DSS Level 1 and PCI 3DS. Named privacy regimes include GDPR, CCPA, Brazil's LGPD and Mexico's federal data protection law, with a public data subject access request form. The company reports more than 6,000 brands and has been ranked first in the Digital Commerce 360 Leading Vendors to the Top 1000 Retailers report for five consecutive years.

Details

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