Forter
Forter is a SaaS fraud prevention and identity intelligence platform serving enterprise digital commerce merchants. It processes over $400 billion in annual transaction value across a 2-billion-identity network, delivering real-time AI decisions for fraud, payment optimization, disputes, and emerging agentic commerce.
- Company typePrivate
- Founded2013
- HeadquartersNew York, United States
- Headcount501–1,000
- GTM typeB2B
- OfferingSoftware
What Forter does
Forter is a SaaS company founded in 2013 that delivers a real-time, AI-powered Trust Platform for digital commerce merchants. The platform combines fraud management, payment optimization, dispute management, account protection, and abuse prevention into a single identity-based decisioning layer, processing more than $400 billion in annual transaction value across a network of 2 billion+ identities and 250,000+ storefronts. Underlying the platform is a patented Decision AI model trained on behavioral, device, payment, and identity signals; this model underpins new agentic commerce offerings including the Trusted Agentic Commerce Protocol (TACP), the Agentic Orchestration Suite, and the Forter Prism AI Copilot and Agent suite.
Forter monetizes through enterprise quote-based contracts on a usage/transaction-based pricing model, complemented by an OEM motion via Forter Element for payment service providers and an AWS Marketplace listing. The go-to-market is multi-channel: direct enterprise field sales anchored by 'Contact Sales' and 'Request Demo' flows, a global partner ecosystem across PSPs (Stripe, Checkout.com, Nuvei, PayU), technology platforms (Shopify Premier Partner, Salesforce Commerce Cloud, Adobe Commerce, SAP, commercetools), consulting/SIs (PwC, Infosys, Perficient, Endava), and event-driven demand generation through the proprietary IMPACT conference series in NYC, London, and Jinan. Customer segments are dominated by large enterprise merchants across retail (Adidas, ASOS, Nordstrom, Wayfair, Shein), travel (Priceline, Kiwi.com), marketplaces (eBay, G2A), QSR (McDonald's), and digital services (Instacart, HelloFresh, Grubhub), with a secondary PSP/reseller segment reaching the long tail.
The company operates from New York with engineering roots in Tel Aviv and regional hubs in London, Singapore, and Ireland (an EU data center launched October 2024 for GDPR-compliant processing). It is privately held and venture-backed, with a $300 million Series F closed in May 2021 at a $3 billion valuation. Forter has expanded its IP footprint into agentic commerce, authoring an open cryptographic standard (TACP) and launching AI-driven orchestration across Google UCP, OpenAI ACP, AP2, and Mastercard Agent Pay protocols.
Forter firmographics
Firmographics- Name
- Forter
- Legal name
- Forter Ltd.
- Website
- https://forter.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Forter is a SaaS fraud prevention and identity intelligence platform serving enterprise digital commerce merchants. It processes over $400 billion in annual transaction value across a 2-billion-identity network, delivering real-time AI decisions for fraud, payment optimization, disputes, and emerging agentic commerce.
- Ownership category
- akta.pro rank
Where Forter is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices5 records
Markets served
Forter business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- SaaS Trust Platform Subscriptions: Enterprise SaaS revenue from merchants subscribing to Forter's Trust Platform, which unifies fraud management, payment optimization, dispute management, account protection, and abuse prevention into a single platform. Quote-based/enterprise contracts typical.
- Forter Element for PSPs (OEM/Embedded): Revenue from payment service providers (PSPs) embedding Forter's fraud decisioning into their platforms via a single integration. Includes optional chargeback guarantee backed by automated, real-time decisions.
- Usage/Transaction-Based Pricing: Pricing tied to transaction volume, with the platform processing more than $400 billion in annual transaction value across merchants. ROI calculator helps merchants quantify value.
- AWS Marketplace Transactions: Sales via AWS Marketplace, including the AI Agents and Tools category where Forter's Trusted Agentic Commerce solution is listed. Eligible AWS customers can apply AWS committed spend (EDP).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Enterprise quote-based pricing; no public tiers |
Go-to-market motion5 records
Distribution channels6 records
Marketing channels10 records
Forter product offering
Product offeringCore offering
Forter provides a SaaS Trust Platform for digital commerce that delivers real-time, automated fraud prevention, payment optimization, chargeback management, account protection, and abuse prevention for online merchants and payment service providers. The platform is built on an identity graph of more than 2 billion consumers across 250,000+ storefronts, uses patented Decision AI to approve or decline transactions in under one second, and processes more than $400 billion in annual transaction value.
Product overview
Forter is a unified Trust Platform for digital commerce built on an identity graph of more than 2 billion consumers across 250,000+ storefronts and over $400 billion in annual transaction value. Its architecture combines a core decisioning platform with five primary product modules — Fraud Management, Payment Optimization, Dispute Management, Account Protection, and Abuse Prevention — augmented by Forter Element (a white-label offering for payment service providers) and an AI layer comprising Forter Prism (the AI copilot), Forter Agents (Analytics, Payments, Dispute, Abuse, and Integration Agents), and the Agentic Orchestration Suite (which connects merchants to agentic commerce protocols and powers the Trusted Agentic Commerce Protocol). Together these products enable merchants to identify trusted customers in real time, automate fraud and abuse decisions, optimize payment authorization, recover chargeback revenue, and safely engage with agentic commerce initiated by AI agents.
Differentiator
Problem solved
Functional benefit
Brands
- Forter Prism: An AI-powered copilot and enterprise suite with AI agents that helps commerce teams investigate transactions, automate chargeback disputes, prevent abuse, optimize payments, and accelerate system integration.
- Forter Element
- Agentic Orchestration Suite
- Trusted Agentic Commerce Protocol (TACP)
Products and services
- Fraud Management Real-time, AI-powered approval or decline of online transactions across cards, wallets, BNPL, ACH, gift cards, and alternative payment methods for online merchants and marketplaces, with chargeback prevention.
- Payment Optimization Suite that maximizes transaction authorization rates through Issuer Optimization, Smart 3DS, Predictive Payment Routing, PSD2 Optimization, Japan 3DS Optimization, and Tokenization, sharing identity intelligence with issuers, networks, and PSPs.
- Dispute Management Automated chargeback representment and alert-driven refund decisions that recover revenue, with Ethoca and Verifi alerts, dispute triage, evidence compilation, and continuous learning from outcomes.
- Account Protection Stops account takeovers and fake account creation by detecting high-risk account actions (sign-up, login, profile updates, loyalty/stored value) and applying step-up authentication only when needed.
- Abuse Prevention Identifies and stops coordinated and repeat abuse across promotions, returns, loyalty, and referrals, with Policy Builder for self-service policy authoring, simulation, and real-time abuse alerts.
- Forter Element for PSPs
Companies that use Forter
Customer profileNamed customers32 records
Segments5 records
Ideal customer profiles3 records
Forter technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration34 records
AI capability12 records
Feature8 records
Forter partnerships and signals
Strategic signalPartnerships
34 partnerships are on record, tiered core, flagship and minor.
- Toys"R"Us JapancoreToys"R"Us Japan implemented Forter's Fraud Management and Payment Optimization Solutions. Reduced fraud and delivered smoother checkout experience within one month of deployment.
- McDonald'sflagshipGlobal partnership to deploy Forter's real-time fraud detection and identity verification across McDonald's online ordering, payment processing, and loyalty program. Covers McDonald's digital properties worldwide and includes protection of franchisees and restaurants from emerging fraud risks while maintaining customer experience.
- Amazon Web Services (AWS)flagshipForter's Trusted Agentic Commerce is available in the new AWS Marketplace AI Agents and Tools category. Forter is also part of the AWS ISV Accelerate Program and has achieved AWS Retail Competency (the only fraud prevention partner with this distinction). Eligible AWS customers can use AWS committed spend (EDP) to purchase Forter.
- ChewycorePartnership to deliver security management, payment optimization, and chargeback recovery solutions for Chewy's online pet retail platform. Aims to reduce checkout friction while maintaining security standards, leveraging Forter's network of over 300,000 online businesses and 1.8 billion shoppers.
- SpreedlycoreExpanded partnership to drive better outcomes for open payment customers. Co-marketing at IMPACT conferences as sponsor.
- Ping IdentitycorePartnership delivers a solution that balances robust security with a smooth user experience, preventing fraud while minimizing customer friction. Announced as part of October 2024 release.
- ImmuecoreForter acquired Israeli bot detection startup Immue in early January 2023 to enhance its detection of malicious bot activities and integrate bot mitigation technology into the Forter Trust Platform. Acquisition aims to improve detection of sophisticated bots and reduce false positives.
- MastercardflagshipCollaborating on Mastercard Agent Pay and the Agent Pay Acceptance Framework to deliver validation, security, and clarity merchants need to engage with AI agents responsibly. Aligns Forter's identity and trust layer with Mastercard's network-level agentic commerce frameworks.
- GoogleflagshipPartnering on Google's Agent Payments Protocol (AP2). Forter is collaborating on Google's Universal Commerce Protocol (UCP) for agentic commerce. Aligned with network-level frameworks for trust, transparency, and secure interoperability in agent-initiated transactions.
- ShopifyflagshipPre-built integration via Shopify's Enterprise Technology Partner Program. Forter was named a Premier Partner — the only fraud prevention and identity intelligence platform among 23 partners globally. Integration enhancements in April 2025 added support for Next-Generation Abuse Prevention including Shopify-specific actions in Policy Builder.
- Salesforce (Commerce Cloud)flagshipPre-built no-code integration with Salesforce Commerce Cloud (SFCC). April 2025 enhancement added Abuse Prevention and Account Protection capabilities directly in Salesforce — no coding required. Used by Snipes for quick implementation during Salesforce re-platform.
- commercetoolscoreCommercetools plugin available via marketplace.commercetools.com/integration/forter. Enables merchants to efficiently streamline return fraud and policy decisions at checkout with full customization for payment methods and storefront setups.
- SAPcoreTechnology platform partner alongside Salesforce, Shopify, and commercetools in the composable commerce ecosystem.
- Adobe (Commerce)coreAdobe Commerce Plug-In partner; Forter delivers fraud prevention and seamless shopping experience via this integration.
- StripeflagshipPayment processor integration partner. Referenced as a provider for tokenized payment credentials in the Trusted Agentic Commerce Protocol schema.
- Checkout.comcorePayment service provider partner in Forter's ecosystem, enabling merchants using Checkout.com to access Forter's fraud and identity capabilities.
- NuveicorePayment service provider partner in Forter's ecosystem.
- PayUminorPayment service provider partner in Forter's ecosystem.
- ThunesminorPayment service provider partner in Forter's ecosystem, enabling cross-border payments integration with Forter.
- GMO Payment GatewaycoreRegional payment service provider partner in Japan enabling Japanese merchants to access Forter.
- DG Financial Technology (Veritrans)coreJapanese payment gateway partner (veritrans.co.jp) extending Forter's reach in Japan.
- WixcorePartnership brings Forter's fraud prevention solution to Wix merchants, enabling small and mid-market merchants on the Wix platform to access Forter's Trust Platform.
- PwCflagshipStrategic consulting/SI partner and IMPACT Conference sponsor. Co-published 'From Supply Chain To Checkout: Future proofing eCommerce fraud prevention in 2025' white paper.
- InfosyscoreGlobal systems integrator partner in Forter's ecosystem.
- PerficientcoreImplementation partner in Forter's ecosystem.
- EndavacoreImplementation partner in Forter's ecosystem.
- JellyfishminorImplementation/consulting partner in Forter's ecosystem.
- NetconomyminorImplementation/consulting partner in Forter's ecosystem.
- Astound CommerceminorCommerce implementation partner in Forter's ecosystem.
- OSF DigitalminorCommerce implementation partner in Forter's ecosystem.
- Born GroupminorCommerce implementation partner in Forter's ecosystem.
- SoftBank GroupcoreStrategic technology partner listed in Forter's partner ecosystem.
- Red Van WorkshopminorGTM/marketing partner in Forter's ecosystem.
- QDL AgencyminorMarketing agency partner in Forter's ecosystem.
Scale indicators18 records
Recent moves7 records
Expansion highlights6 records
Forter competitors and assessment
Company assessmentBroad incumbents
- Stripe Radar: Fraud prevention natively embedded in Stripe's payments platform. Functions as both a competitor (free/bundled fraud tooling for Stripe merchants) and a partner (Forter Element integration with Stripe).
- Adyen: Global payments platform offering bundled revenue optimization, authentication, and risk management. Comparable in targeting large enterprise merchants but bundles fraud with acquiring rather than selling standalone.
Emerging players
- SEON: Fast-growing fraud detection and AML platform using digital footprinting and ML. Comparable in fraud decisioning technology but typically serves fintech and digital-native merchants rather than the largest global brands.
- Veriff: Identity verification and AML platform with growing fraud prevention capabilities. Adjacent to Forter's identity intelligence and account protection modules, with overlap in KYC and onboarding use cases.
Direct peers
- Ravelin: Fraud, account takeover, and payment fraud prevention SaaS for online merchants, with growing footprint in Europe. Overlaps with Forter in payment fraud and account protection use cases.
- Signifyd: Enterprise fraud protection platform offering a 100% chargeback guarantee across the customer journey, serving many of the same enterprise retail and DTC customers as Forter.
- Accertify: Enterprise fraud prevention and chargeback management platform serving airlines, travel, retail, and digital goods merchants. Direct overlap with Forter's enterprise travel and retail customer base.
- Riskified: Publicly traded e-commerce fraud prevention SaaS platform using AI to approve/deny transactions for enterprise merchants. Directly comparable business model, customer base (apparel, luxury, travel, marketplaces), and chargeback-guarantee pricing to Forter.
- Kount (Equifax): Equifax-owned digital fraud prevention platform combining identity data, ML, and device fingerprinting. Directly competes with Forter in mid-market and enterprise e-commerce fraud decisioning.
- Sift: AI-driven trust and safety SaaS platform covering fraud, content abuse, and account takeover for digital businesses. Comparable in product scope (identity, ML decisioning, abuse prevention) and target segments to Forter.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Forter social profiles
Digital presenceForter compliance and trust
Trust signalCompliance8 records
Forter financial estimates
Financial estimateRevenue estimate
Valuation estimate
Forter leadership team
Management profileNumber of profiles
Profiles9 records
Forter subsidiaries and ownership
Company hierarchySubsidiaries1 record
Forter funding detail
Funding detailFunding overview
Funding rounds8 records
Investors19 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Forter M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Forter
What does Forter do?
Forter provides a SaaS Trust Platform for digital commerce that delivers real-time, automated fraud prevention, payment optimization, chargeback management, account protection, and abuse prevention for online merchants and payment service providers. The platform is built on an identity graph of more than 2 billion consumers across 250,000+ storefronts, uses patented Decision AI to approve or decline transactions in under one second, and processes more than $400 billion in annual transaction value.
Is Forter a public or private company?
Forter is a private company. It is classified as venture growth investor backed and is currently operating.
When was Forter founded?
Forter was founded in 2013. It employs 501 to 1,000 people.
Where is Forter based?
Forter is headquartered in New York, United States, in the North America region.
How does Forter make money?
Four revenue lines are on record. SaaS Trust Platform Subscriptions are the primary driver. The others are forter Element for PSPs (OEM/Embedded), usage/Transaction-Based Pricing and AWS Marketplace Transactions.
Who are Forter's main competitors?
Broad incumbents on record are Stripe Radar and Adyen. Emerging players are SEON and Veriff. Direct peers are Ravelin, Signifyd, Accertify, Riskified, Kount (Equifax) and Sift.
Does Forter have an API?
Yes. Forter offers a public-facing API and developer documentation covering decisioning, payments, disputes, account protection, and agentic commerce integrations. The platform provides REST APIs, webhooks, and integration guides for merchants, PSPs, and agent developers, including support for the Trusted Agentic Commerce Protocol (TACP) via JSON Web Encryption (RFC 7516). Forter MCP (Model Context Protocol) is available, enabling teams to access Forter's data directly inside general AI tools like ChatGPT and Claude for transaction investigation, performance analysis, and automation. Developer documentation is at docs.forter.com.