Accertify
Accertify is an enterprise fraud prevention and risk decisioning platform serving large global merchants across retail, travel, ticketing, iGaming, and financial services, using machine learning, graph networks, and consortium data to process 10B+ transactions annually worth $1.25T in commerce.
- Company typePrivate
- Founded2007
- HeadquartersItasca, United States
- Headcount501–1,000
- GTM typeB2B
- OfferingSoftware
What Accertify does
Accertify is a US-based enterprise fraud prevention and risk management platform that sells unified risk decisioning software to large merchants across retail, ecommerce, travel, ticketing, sports betting/iGaming, and financial services. Founded in 2007 and headquartered in Itasca, Illinois, the company operates as a wholly owned portfolio company of private equity firm Accel-KKR following a 2024 carve-out from American Express. The platform combines machine learning, graph network analysis, and sequential transformers with a consortium data model — in which 98% of clients share anonymized fraud signals — to detect payment fraud, account takeover, returns abuse, coordinated login attacks, and chargebacks across the full customer lifecycle from account creation through post-purchase dispute resolution. In 2025, Accertify processed more than 10 billion transactions securing over $1.2 trillion in commerce value and helped clients prevent $5.8 billion in attempted fraud.
The company's product portfolio spans the Predictive Yes Platform (unified risk decisioning), Account Protection (including Attack State Intelligence), Fraud Detection, Returns and Abuse Protection, Payment Optimization (including 3D Secure), Chargeback Management, a Payment Gateway, and a Passwordless Suite (FIDO2-compliant passkeys and magic links). Accertify sells exclusively through direct enterprise field sales to global brands such as Walmart, United Airlines, Marks & Spencer, Ticketmaster, DraftKings, Target Australia, Fnac Darty, JetBlue, and Sportsbet. Revenue is generated via subscription and/or transaction-based pricing on a quote-based, negotiated contract structure. The company maintains registered operations in the US, UK, Spain, Australia, Mexico, and India and is positioned within the global Merchant Risk Council ecosystem, with a dedicated VP of AI/ML leading model development and a recently expanded executive team under CEO Greg Dukat.
Accertify firmographics
Firmographics- Name
- Accertify
- Legal name
- Accertify, Inc.
- Website
- https://accertify.com
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Accertify is an enterprise fraud prevention and risk decisioning platform serving large global merchants across retail, travel, ticketing, iGaming, and financial services, using machine learning, graph networks, and consortium data to process 10B+ transactions annually worth $1.25T in commerce.
- Ownership category
- akta.pro rank
Accertify industry classification
Industry- Product category
- Fraud Prevention and Risk Management Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Services-Computer Integrated Systems Design (7373)
- akta.pro primary industry
- Fraud Detection & Prevention (payments fraud, account takeover, scams) (FSAGAFAE)
- akta.pro secondary industries
- Payment Abuse & Promo/Refund Abuse Prevention (FSAMALAI), Payments Fraud & Chargeback Prevention (HDADALAE), Fraud Prevention, Risk & Chargeback Management (CRAFALAE)
Keywords
Where Accertify is headquartered
LocationHeadquarters
- HQ city
- Itasca
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Accertify business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Fraud Prevention SaaS / Platform Subscription: Accertify operates as a B2B SaaS platform providing fraud prevention, chargeback management, account protection, and payment gateway solutions to enterprise merchants. Revenue is generated through subscription and/or transaction-based pricing for its unified risk decisioning platform, with clients paying for access to the platform's fraud detection, account protection, and related capabilities.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels6 records
Accertify product offering
Product offeringCore offering
Accertify provides a unified AI-powered risk decisioning platform that combines identity, behavioral, historical, and purchase signals to detect and prevent fraud, account takeover, returns abuse, and chargebacks for enterprise merchants across the full customer lifecycle — from account creation through post-purchase dispute resolution. The offering spans Account Protection, Fraud Detection, Returns and Abuse Protection, Payment Optimization (including 3DS), Chargeback Management, and a Payment Gateway, augmented by the Predictive Yes Platform, Passwordless Suite, and a consortium intelligence layer covering 10B+ annual transactions across hundreds of enterprise brands.
Product overview
Accertify is a unified risk decisioning platform provider offering an integrated suite of fraud prevention, account protection, abuse prevention, payment optimization, chargeback management, and payment gateway solutions. The core portfolio includes the Predictive Yes Platform (enterprise fraud decisioning connecting identity, behavioral, historical, and purchase signals), Account Protection (device intelligence and behavior analytics for account takeover prevention), Fraud Detection (multi-layered ML-based prevention), Returns and Abuse Protection (wardrobing and return fraud detection), Payment Optimization (including 3DS optimization), Chargeback Management, and the Payment Gateway. Additional modules include Attack State Intelligence (coordinated login attack detection) and Passwordless Suite (FIDO2-compliant authentication). The platform processes over 10 billion transactions annually worth $1.25 trillion in commerce, with 98% of clients sharing anonymized fraud intelligence through a consortium approach across retail, travel, ticketing, and other sectors.
Differentiator
Problem solved
Functional benefit
Products and services
- Predictive Yes Platform Enterprise fraud decisioning technology that connects identity, behavioral, historical, and purchase signals across the full customer lifecycle from account creation through post-purchase. Processes over 10 billion transactions and $1.25 trillion in commerce annually with a consortium approach where 98% of clients share anonymized fraud intelligence.
- Account Protection Solution that uses sophisticated device technology and advanced user behavior analytics to identify and protect against fraudulent account openings, multi-accounting abuse, and account takeover attacks. Provides real-time end-to-end insights from the moment a customer lands on a digital doorstep, distinguishing authentic visitors from potential threats.
- Fraud Detection Multi-layered fraud prevention platform built on advanced machine learning, device intelligence, and user behavior analytics. Built on four core principles: Predict (ML with rich community data), Prevent (standard API with day-one risk decisioning), Protect (ML-driven risk strategies), and People (human intelligence and deep domain expertise).
- Returns and Abuse Protection Solution that monitors, measures, and curbs return abuse while designing return policies that protect margins without punishing good customers. Detects wardrobing, return swapping, falsifying delivery, and shipping label fraud. Collects return data via specialized API tracking customer return activity across email, account IDs, phone numbers, geolocations, shipping addresses, and payment methods.
- Payment Optimization Solution focused on optimizing payment performance including 3D Secure (3DS) implementation, authentication strategies, and authorization rate improvement. Helps merchants transform 3DS from a conversion killer into a strategic performance lever through better data sharing and risk scoring.
- Chargeback Management Solution for managing chargebacks and disputes integrated into the unified platform, helping merchants reduce chargeback rates and streamline dispute resolution workflows.
- Payment Gateway Payment gateway solution integrated into the unified risk decisioning platform, enabling merchants to process payments while maintaining fraud protection across the transaction lifecycle.
- Passwordless Suite Passwordless authentication solution offering Magic Links (one-tap login via secure email link) and Passkeys (biometric/PIN-based authentication per FIDO2 standards). Reduces password-based risks, phishing, and credential theft while maintaining friction-free transactions.
Quantifiable outcome
- Guitar Center decreased fraud losses by 62% and increased prevented fraud by 106% year over year
- +9 more outcomes
Companies that use Accertify
Customer profileNamed customers19 records
Segments8 records
Ideal customer profiles6 records
Accertify technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability8 records
Feature11 records
Accertify partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Consortium of 500+ Enterprise Brandscore98% of Accertify clients participate in a consortium that shares anonymized fraud intelligence across hundreds of enterprise brands in retail, travel, and other sectors. This consortium data model enables cross-merchant pattern recognition and faster identification of emerging fraud threats, and is a core component of the Predictive Yes Platform's signal intelligence.
- CIFASminorCIFAS data referenced in Accertify's Q&A with Cyber Magazine: CIFAS reported that UK fraud cases reached a record 444,000 in 2025 (approximately 1,200 reports per day), with nearly half of identified suspects aged 21 or younger. CIFAS is the UK's fraud prevention service used to share fraud intelligence across industries.
- RegTech Solutions Pty LtdcoreRegTech Solutions and Accertify entered into a referral partnership to enhance account protection for Australia's financial services sector, including superannuation funds, wealth managers, and investment platforms. The collaboration provides advanced behavioral and device analytics with AI-driven fraud insights, improving security while maintaining a smooth customer experience for Australian financial institutions.
- Merchant Risk Council (MRC)coreStuart Mann, Accertify's Director of Fraud & Account Protection, was re-elected to the MRC Global Board of Directors. The MRC is a global non-profit membership association for payments and fraud prevention professionals, providing strategic leadership and governance across North America, Europe, APAC, and LATAM to support eCommerce safety and profitability.
Scale indicators9 records
Recent moves7 records
Expansion highlights6 records
Accertify competitors and assessment
Company assessmentDirect peers
- Riskified: Publicly-traded fraud prevention platform focused on e-commerce chargeback guarantee and AI-driven risk decisioning. Directly comparable to Accertify's core fraud detection and chargeback management offerings for enterprise merchants.
- Forter: AI-based fraud prevention provider offering real-time decisioning for enterprise retailers and travel merchants. Competes head-to-head with Accertify across retail, travel, and digital commerce verticals.
- Sift: Digital trust and safety SaaS platform providing fraud, abuse, and content integrity decisioning. Comparable to Accertify in machine-learning-driven account protection and payment fraud prevention for online businesses.
- Signifyd: Provider of guaranteed fraud protection and abuse prevention for enterprise e-commerce. Directly comparable on chargeback management and identity-based decisioning for large merchants.
- Feedzai: AI-native risk operations platform serving banks, payments processors, and merchants with fraud and AML. Competes with Accertify on AI-driven transaction monitoring and account protection for enterprise customers.
- Featurespace: Adaptive behavioral analytics fraud and financial crime platform serving banks, payments, and merchants. Comparable to Accertify's Account Protection and machine-learning risk scoring capabilities.
- DataVisor: AI-powered fraud and AML platform using unsupervised machine learning and graph analytics. Closely comparable to Accertify's graph-network fraud ring detection capabilities.
Broad incumbents
- Kount (Equifax): Equifax-owned fraud prevention platform offering identity, device, and AI-based risk decisioning. Overlaps with Accertify's core fraud detection but operates as part of Equifax's broader data and analytics portfolio.
- Stripe Radar: Fraud prevention feature of Stripe's payments platform serving millions of businesses from SMB to enterprise. Competes with Accertify for merchants who prefer integrated payment-fraud bundles over a standalone platform.
- Visa Risk Solutions: Visa's portfolio of risk and identity products, including Visa Risk Manager and Decision Intelligence, embedded in card-network rails. Represents the structural incumbent threat to standalone fraud vendors like Accertify.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Accertify social profiles
Digital presenceAccertify compliance and trust
Trust signalCompliance8 records
Accertify financial estimates
Financial estimateRevenue estimate
Valuation estimate
Accertify leadership team
Management profileNumber of profiles
Profiles9 records
Accertify funding detail
Funding detailFunding overview
Funding rounds3 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Accertify 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 Accertify
What does Accertify do?
Accertify provides a unified AI-powered risk decisioning platform that combines identity, behavioral, historical, and purchase signals to detect and prevent fraud, account takeover, returns abuse, and chargebacks for enterprise merchants across the full customer lifecycle — from account creation through post-purchase dispute resolution. The offering spans Account Protection, Fraud Detection, Returns and Abuse Protection, Payment Optimization (including 3DS), Chargeback Management, and a Payment Gateway, augmented by the Predictive Yes Platform, Passwordless Suite, and a consortium intelligence layer covering 10B+ annual transactions across hundreds of enterprise brands.
Is Accertify a public or private company?
Accertify is a private company. It is classified as private equity controlled and is currently operating.
When was Accertify founded?
Accertify was founded in 2007. It employs 501 to 1,000 people.
Where is Accertify based?
Accertify is headquartered in Itasca, United States, in the North America region.
How does Accertify make money?
One revenue line is on record: fraud Prevention SaaS / Platform Subscription.
Who are Accertify's main competitors?
Direct peers on record are Riskified, Forter, Sift, Signifyd, Feedzai, Featurespace and DataVisor. Broad incumbents are Kount (Equifax), Stripe Radar and Visa Risk Solutions.
Does Accertify have an API?
Yes. Accertify offers a standard API with day-one risk decisioning for fraud prevention. The platform provides integrations for eCommerce including Salesforce Commerce Cloud via Salesforce AppExchange. A Developer's Center is available for technical documentation and implementation support. Developer documentation is at www.accertify.com/developers-center.
What industry is Accertify in?
Accertify's product category is Fraud Prevention and Risk Management Software. Its primary akta.pro industry code is FSAGAFAE, Fraud Detection & Prevention (payments fraud, account takeover, scams), with a secondary code of FSAMALAI, Payment Abuse & Promo/Refund Abuse Prevention. Its NAICS code is 522320 and its SIC code is 7373.