Riskified
Riskified is a publicly-traded AI platform providing ecommerce fraud prevention and chargeback guarantees to enterprise merchants worldwide. Its proprietary ML models and identity graph process over a billion historical transactions to deliver sub-second risk decisions across fashion, travel, ticketing, and retail verticals.
- Company typePublic
- Founded2013
- HeadquartersNew York, United States
- Headcount501–1,000
- GTM typeB2B
- OfferingSoftware
What Riskified does
Riskified (NYSE: RSKD) is an Israel-founded (2013), New York-headquartered AI platform that prevents ecommerce fraud and underwrites chargeback liability for enterprise merchants. Its core platform processes more than one billion historical transactions across a global merchant network, applying proprietary machine-learning models and identity-graph clustering to deliver sub-second approve/decline decisions with claimed 2-3X stronger fraud detection than baseline systems. The product portfolio spans five core modules — Chargeback Guarantee, Adaptive Checkout, Policy Protect, Account Secure, and Dispute Resolve — augmented by a 2025-2026 AI suite (ARIA, Identity Explore 2.0, Decision Studio, Dynamic Returns) and an emerging AI Agent Intelligence offering for agentic commerce. The company serves 3 of the top 10 largest global ecommerce merchants and a broad enterprise customer base across fashion, luxury, travel, ticketing, athletic, electronics, and marketplace verticals, including Booking.com, Prada, SSENSE, Miu Miu, Canada Goose, Finish Line, Gymshark, Lacoste, Steve Madden, Aldo, Revolve, Ring, Skullcandy, and TicketNetwork.
Riskified operates a performance-based revenue model in which merchants pay risk-adjusted fees on approved gross merchandise volume, with Riskified absorbing the full chargeback liability under its guarantee. Pricing is not publicly disclosed but follows a quote-based transaction-fee model with no upfront cost and pay-as-you-go billing. Distribution combines direct enterprise field sales, channel partnerships (Shopify, SAP, Salesforce, Adobe Commerce, commercetools, AWS Marketplace), payments service provider resellers (Stripe, Checkout.com, Mastercard, PayU, Nuvei, IXOPAY), and regional channel partners in Japan (Paygent, SB Payment Service, YTGATE) and LATAM (Reserhub, Bilheteria Digital, dLocal). Geographically the company serves North America, Europe, Asia-Pacific (notably Japan, China, Australia), Latin America (Brazil), and the Middle East. Financially, Q1 2026 revenue was $88.3M (+7% YoY) with Adjusted EBITDA of $6.2M (+370% YoY); trailing-twelve-month revenue is $344.6M and FY2026 guidance has been raised to $376-384M, supported by a $276.3M cash balance with zero debt and active capital return via a $450M cumulative buyback authorization.
Riskified firmographics
Firmographics- Name
- Riskified
- Legal name
- Riskified Ltd.
- Website
- https://riskified.com
- Company type
- Public
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Riskified is a publicly-traded AI platform providing ecommerce fraud prevention and chargeback guarantees to enterprise merchants worldwide. Its proprietary ML models and identity graph process over a billion historical transactions to deliver sub-second risk decisions across fashion, travel, ticketing, and retail verticals.
- Ownership category
- akta.pro rank
Riskified industry classification
Industry- Product category
- Ecommerce Fraud Prevention Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- akta.pro primary industry
- Fraud Prevention, Risk & Chargeback Management (CRAFALAE)
- akta.pro secondary industries
- Fraud Detection & Transaction Monitoring (FSAMALAA), Payment Abuse & Promo/Refund Abuse Prevention (FSAMALAI), Risk Scoring, Decisioning & Orchestration (FSAMALAB), Fraud Detection & Prevention (payments fraud, account takeover, scams) (FSAGAFAE), Fraud Prevention, Risk Scoring & Chargeback Management (THALAHAF)
Keywords
Where Riskified is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Riskified business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Transaction/Fee-based Revenue: Riskified generates revenue by charging risk-adjusted fees on the gross merchandise volume (GMV) it approves for merchants. The company provides a chargeback guarantee, meaning merchants only pay for approved orders that generate revenue, and Riskified covers any chargebacks. This performance-based model aligns incentives between Riskified and merchant success. Additional products (Policy Protect, Account Secure, Dispute Resolve) are sold as complementary solutions, with Policy Protect delivering average savings in refund and return costs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Transaction-based pricing with performance guarantee |
Go-to-market motion4 records
Distribution channels7 records
Marketing channels8 records
Riskified product offering
Product offeringCore offering
Riskified provides an AI-powered ecommerce risk management platform that prevents online payment fraud, guarantees chargeback liability for approved orders, prevents policy abuse on refunds and returns, and secures customer accounts. Merchants integrate the platform into checkout flows to receive sub-second automated approve/decline decisions, with the company assuming full financial liability for any chargebacks on orders it approves under its performance-based transaction-fee model. The platform serves enterprise ecommerce merchants across retail, luxury fashion, travel, ticketing, digital goods, and marketplace verticals globally.
Product overview
Riskified operates as a platform-plus-modules architecture providing AI-powered ecommerce risk management solutions. The core Riskified Platform powers the product portfolio through shared machine learning intelligence, a global merchant network with over a billion historical transactions, and identity graph capabilities. The main products include: Chargeback Guarantee (core fraud prevention with financial guarantee), Adaptive Checkout (dynamic checkout optimization), Policy Protect (refund/promo/reseller abuse prevention), Account Secure (account takeover protection), and Dispute Resolve (automated chargeback management). Additional AI-powered modules include Riskified ARIA (AI Risk Analyst) for conversational fraud analysis, Identity Explore 2.0 for identity intelligence, Decision Studio for policy configuration, and Dynamic Returns for AI-driven return decisions. The ecosystem also includes AI Agent Intelligence for securing merchant AI shopping assistants in agentic commerce scenarios.
Differentiator
Problem solved
Functional benefit
Products and services
- Chargeback Guarantee Ecommerce fraud prevention solution that provides full chargeback protection, sub-second automated fraud decisions, and covers any chargebacks for approved orders, allowing merchants to sell anywhere with revenue predictability. Includes the Recover module which uses customer-centric flows to verify borderline orders, reducing false declines.
- Adaptive Checkout AI-powered checkout optimization that dynamically adapts the shopping journey for each customer by intelligently segmenting orders to send good customers straight through checkout, screen out fraud, and identify where to request additional verification to prevent false declines.
- Policy Protect Policy abuse prevention solution that detects and prevents unprofitable ecommerce policy abuse affecting refunds, returns, promotions, and resellers. Uses machine learning to instantly sort good customers from bad actors while delivering faster, more flexible return experiences.
- Dispute Resolve Chargeback management platform that automates dispute processes by collecting compelling evidence and managing chargeback disputes on behalf of merchants, reducing analyst time from 20-30 minutes per case to approximately 5 minutes.
- Account Secure Account takeover protection solution that catches malicious login attempts by bots and humans, blocks fake accounts, and automates account recovery notifications, protecting customer information and bottom line.
- Riskified Platform AI-powered ecommerce risk management platform that powers all products (Chargeback Guarantee, Policy Protect, Account Secure, Adaptive Checkout, Dispute Resolve) with shared intelligence, machine learning models, and a global merchant network processing over a billion transactions.
Quantifiable outcome
- Reduces total cost of fraud by as much as 50%
- +12 more outcomes
Companies that use Riskified
Customer profileNamed customers35 records
Segments8 records
Ideal customer profiles3 records
Riskified technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration25 records
AI capability9 records
Feature11 records
Riskified partnerships and signals
Strategic signalPartnerships
20 partnerships are on record, tiered core and minor.
- SB Payment ServicecoreRiskified partners with SB Payment Service to accelerate revenue growth for ecommerce merchants in Japan. The partnership enables Japanese merchants to access Riskified's fraud prevention solutions through SB Payment Service's platform.
- YTGATEcoreYTGATE Partners with Riskified to improve payment success and increase ecommerce approval rates for Japanese merchants. The partnership expands Riskified's distribution in the Japanese market.
- Rue Gilt GroupecoreRiskified announced an innovation partnership with Rue Gilt Groupe to integrate its real-time identity risk intelligence into RGG's customer service workflows. The identity clustering solution parses over 5 billion historical transactions to provide agents with risk scores that help fast-track trusted members while blocking serial abusers. Merchants using Riskified's Policy Protect have achieved up to 30% reduction in complaint rates.
- Outpayce (Amadeus)coreRiskified partnered with Outpayce from Amadeus to integrate its AI-powered fraud prevention suite and Chargeback Guarantee model into Outpayce's travel payments platform for airlines worldwide. Riskified becomes the first chargeback guarantee solution within Outpayce's ecosystem, offering airlines guaranteed approval rates while reducing fraud-related costs. A major Asia-Pacific international airline is scheduled to be the first merchant to go live with the integration in 2026.
- RadialcoreRiskified announced a strategic partnership with Radial (North America's largest 3PL, rebranding as Paxon later in 2026) to integrate Riskified's AI-powered fraud detection platform into Radial's ecommerce fulfillment ecosystem. The partnership enables Radial's merchant clients—many using Shopify—to approve more legitimate orders, reduce payment fraud losses, and protect against refund and return abuse. Riskified assumes full financial liability for fraud chargebacks while Radial expands offerings with Policy Protect and Dispute Resolve solutions.
- PaygentcorePaygent Partners with Riskified to deliver AI-powered fraud prevention to ecommerce merchants in Japan. The partnership enables Riskified to reach Japanese merchants through Paygent's payment platform.
- Bilheteria DigitalcoreBrazilian ticketing leader Bilheteria Digital partners with Riskified to boost order approvals and reduce fraud. The partnership addresses ticketing fraud in the Brazilian market with Riskified's AI-powered fraud detection.
- ReserhubcoreReserhub, a platform for bus and ground transportation companies across Latin America, selected Riskified as its strategic partner for ecommerce fraud protection and risk intelligence. By integrating Riskified's AI-powered platform, Reserhub achieved a 93% transaction approval rate and eliminated high false decline issues, enabling real-time approvals and expansion into new markets including Brazil.
- AWScoreRiskified achieved AWS Retail Competency and AWS Consumer Packaged Goods (CPG) Competency, demonstrating verified customer success and technical expertise. Riskified is also available on AWS Marketplace with AWS Accelerate Partner status.
- HUMAN SecuritycoreRiskified joined forces with HUMAN Security to help merchants embrace trusted AI shopping agent commerce. The partnership addresses fraud risks introduced by AI shopping assistants and chatbots, combining Riskified's fraud intelligence with HUMAN's bot detection and human verification capabilities to protect AI-mediated transactions.
- Adastria / ST Co., Ltd.coreRiskified partnered with Japanese fashion retailer Adastria's group company ST Co., Ltd. to enhance fraud detection and boost ecommerce sales in Japan. The partnership demonstrates Riskified's growing momentum in the Japanese market.
- Appriss RetailcoreRiskified and Appriss Retail announced pioneering omnichannel returns fraud prevention solution. The partnership combines online abuse and fraud detection with in-store returns expertise, giving merchants a 360-degree view of customer behavior to protect revenue and close policy gaps.
- DeloitteminorDeloitte and Riskified partnered to help ecommerce merchants analyze their fraud exposure against industry benchmarks. Deloitte consultants leverage Riskified's data and insights to assess client fraud risk profiles.
- CellPoint DigitalcoreCellPoint Digital and Riskified partnered to enhance fraud protection for airlines and travel merchants with industry-leading payments solution. The partnership optimizes travel payment processes and safeguards against fraud risk.
- MastercardcoreMastercard and Riskified new integration combines fraud insights to drive ecommerce revenue growth and profitability for global merchants. The partnership leverages Mastercard's fraud intelligence with Riskified's decisioning platform.
- commercetoolscoreRiskified partners with commercetools to deliver Chargeback Guarantee at scale through preconfigured integrations. Merchants using commercetools can offload fraud liability, gain predictability, and grow revenue with Riskified's guaranteed approval rates.
- SAP Commerce CloudcoreRiskified announced platform integration with SAP Commerce Cloud, enabling SAP customers to access Riskified's fraud prevention and chargeback guarantee solutions through native SAP integration.
- Shopify PluscoreRiskified is a certified Shopify Plus partner with a seamless plug-and-play integration available through the Shopify App Store. Solutions help Shopify merchants prevent fraud, minimize policy abuse, and drive sustainable growth without technical debt or costly onboarding. The partnership expanded with Dispute Resolve for Shopify launch in March 2026.
- IATAminorRiskified and IATA announced strategic partnership for airline fraud prevention. The partnership addresses specific needs of airline industry including card-not-present fraud and payment optimization.
- DentsuminorDentsu and Riskified established global strategic partnership to help retailers digitally transform their business. The partnership combines Riskified's fraud prevention with Dentsu's media and marketing capabilities.
Scale indicators19 records
Recent moves9 records
Expansion highlights6 records
Riskified competitors and assessment
Company assessmentDirect peers
- Signifyd: Signifyd is Riskified's closest direct competitor, offering a chargeback guarantee and fraud prevention platform specifically built for ecommerce merchants. Both companies pioneered the liability-shift model and compete head-to-head for enterprise retail and DTC customers across fashion, luxury, and electronics verticals.
- Forter: Forter provides an enterprise Trust Platform for ecommerce fraud prevention, offering real-time decisioning and a chargeback guarantee for online merchants. It competes directly with Riskified across fashion, travel, digital goods, and marketplaces, with comparable ML-based decisioning and similar customer profiles.
- Sift: Sift operates a Digital Trust & Safety platform combining fraud detection, account takeover prevention, and content abuse prevention for online businesses. While Sift does not offer a chargeback guarantee, it directly competes with Riskified in ML-driven fraud decisioning for ecommerce and digital goods merchants.
- Feedzai: Feedzai is a financial crime, risk, and fraud prevention platform serving banks, payment providers, and merchants globally. It overlaps with Riskified in transaction monitoring and ML-based decisioning, particularly for financial services and payments, though it extends further into AML and account-level risk.
Broad incumbents
- Kount (Equifax): Kount, owned by Equifax, is an established ecommerce fraud and chargeback prevention platform serving merchants across verticals. As part of Equifax's broader identity and risk data portfolio, Kount competes with Riskified on ML-based decisioning and identity verification for enterprise merchants.
- Accertify (American Express): Accertify, an American Express company, provides fraud prevention, chargeback management, and dispute resolution solutions for enterprise merchants. Its parent company's network data gives it structural advantages analogous to Mastercard fraud intelligence, competing with Riskified in travel and large-enterprise segments.
- Stripe Radar: Stripe Radar is a built-in ML fraud prevention product for merchants processing payments on Stripe, which Riskified actually integrates with as a channel partner. Radar's free or low-cost bundled pricing puts direct margin pressure on Riskified and represents the most significant structural competitive threat in the SMB and mid-market ecommerce segment.
- Visa Cybersource: Visa's Cybersource payment management platform includes Decision Manager, an ML-based fraud management solution used by large merchants globally. As a network-owned incumbent, Cybersource competes directly with Riskified for enterprise ecommerce fraud budgets, particularly for merchants already processing on Visa rails.
- Mastercard Fraud Intelligence / Ekata: Mastercard's fraud intelligence suite (including Ekata identity verification) provides network-level fraud signals and decisioning for merchants and issuers. Riskified already partners with Mastercard, but the network's ability to bundle fraud capabilities into core acceptance creates ongoing competitive pressure on standalone platforms.
Emerging players
- DataVisor: DataVisor is an AI-powered fraud and AML platform using unsupervised ML to detect organized fraud attacks for financial institutions and large digital businesses. While more focused on financial services than ecommerce chargeback guarantee, it competes for the same enterprise fraud technology budget and ML-talent pool as Riskified.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Riskified social profiles
Digital presenceRiskified compliance and trust
Trust signalCompliance6 records
Riskified financial estimates
Financial estimateRevenue estimate
Valuation estimate
Riskified leadership team
Management profileNumber of profiles
Profiles10 records
Riskified funding detail
Funding detailFunding overview
Funding rounds7 records
Investors18 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Riskified M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Riskified
What does Riskified do?
Riskified provides an AI-powered ecommerce risk management platform that prevents online payment fraud, guarantees chargeback liability for approved orders, prevents policy abuse on refunds and returns, and secures customer accounts. Merchants integrate the platform into checkout flows to receive sub-second automated approve/decline decisions, with the company assuming full financial liability for any chargebacks on orders it approves under its performance-based transaction-fee model. The platform serves enterprise ecommerce merchants across retail, luxury fashion, travel, ticketing, digital goods, and marketplace verticals globally.
Is Riskified a public or private company?
Riskified is a public company. It is classified as public and is currently operating.
When was Riskified founded?
Riskified was founded in 2013. It employs 501 to 1,000 people.
Where is Riskified based?
Riskified is headquartered in New York, United States, in the North America region.
How does Riskified make money?
One revenue line is on record: transaction/Fee-based Revenue.
Who are Riskified's main competitors?
Direct peers on record are Signifyd, Forter, Sift and Feedzai. Broad incumbents are Kount (Equifax), Accertify (American Express), Stripe Radar, Visa Cybersource and Mastercard Fraud Intelligence / Ekata. DataVisor is listed as an emerging player.
Does Riskified have an API?
Yes. Riskified offers an API that enables real-time fraud decisions for ecommerce transactions. The platform integrates directly with merchant checkout flows, payment gateways, and commerce platforms to provide automated fraud decisions and chargeback protection. Documentation is available at https://www.riskified.com/documentation/ Developer documentation is at www.riskified.com/documentation.
What industry is Riskified in?
Riskified's product category is Ecommerce Fraud Prevention Software. Its primary akta.pro industry code is CRAFALAE, Fraud Prevention, Risk & Chargeback Management, with a secondary code of FSAMALAA, Fraud Detection & Transaction Monitoring. Its NAICS code is 52232.