Riskified

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.

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

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

• Ecommerce fraud prevention
• Chargeback guarantee platform
• Payment risk intelligence
• AI fraud detection
• Policy abuse prevention

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. 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

Go-to-market motion4 records

Distribution channels7 records

Marketing channels8 records

Core 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

Named customers35 records

Segments8 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration25 records

AI capability9 records

Feature11 records

Partnerships

20 partnerships are on record, tiered core and minor.

• SB Payment ServicecoreChannel Partner/ Reseller/ Distributor · 25 June 2026Riskified 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.
• YTGATEcoreChannel Partner/ Reseller/ Distributor · 14 May 2026YTGATE 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 GroupecoreTechnology or Integration · 15 April 2026Riskified 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)coreTechnology or Integration · 7 April 2026Riskified 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.
• RadialcoreChannel Partner/ Reseller/ Distributor · 9 March 2026Riskified 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.
• PaygentcoreChannel Partner/ Reseller/ Distributor · 27 February 2026Paygent 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 DigitalcoreTechnology or Integration · 25 February 2026Brazilian 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.
• ReserhubcoreTechnology or Integration · 17 February 2026Reserhub, 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.
• AWScoreTechnology or Integration · 14 August 2025Riskified 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 SecuritycoreStrategic or Co-development Partner · 13 August 2025Riskified 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.coreTechnology or Integration · 12 August 2025Riskified 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 RetailcoreStrategic or Co-development Partner · 6 January 2025Riskified 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.
• DeloitteminorImplementation/ SI/ Consulting Partner · 6 January 2025Deloitte 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 DigitalcoreTechnology or Integration · 2 November 2023CellPoint 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.
• MastercardcoreTechnology or Integration · 17 August 2023Mastercard 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.
• commercetoolscoreTechnology or Integration · 1 August 2023Riskified 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 CloudcoreTechnology or Integration · 29 November 2022Riskified 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 PluscoreChannel Partner/ Reseller/ Distributor · 9 June 2021Riskified 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.
• IATAminorStrategic or Co-development Partner · 6 May 2021Riskified 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.
• DentsuminorStrategic or Co-development Partner · 24 March 2021Dentsu 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

Direct 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

• YouTubeyoutube.com/c/Riskified
• LinkedInlinkedin.com/company/riskified
• Instagraminstagram.com/riskified
• Xx.com/Riskified
• Facebookfacebook.com/RiskifiedInc

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds7 records

Investors18 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Riskified