Small Business Ecommerce Fraud Protection

Great, you’ve made a sale!

Having to do the legwork to make sure the customer is legitimate, though? Not so great – and goodness knows you’ve got other things on your to-do list. (Nobody wears more hats than the folks running small-to-medium businesses.)

That’s why ClearSale covers all card-not-present transactions including:

• Web orders
• Email orders
• Virtual terminal orders
• Telephone orders
• Mail orders

Plus, our integrations make it easy. The ClearSale application easily captures order information via plug-ins with most major ecommerce platforms. Custom integrations are also possible for proprietary ecommerce applications.

As soon as a customer lands on one of your website pages, ClearSale is on the case. Working invisibly in the background, we analyze multiple data points to detect any suspicious behavior.

We make it easy for you to focus on growing your business, not fighting fraud and chargebacks.

Our proprietary statistical algorithm scans every order to detect common fraud patterns. Using fraud rules created specifically for your business and bolstered by a powerful machine learning platform, the algorithm quickly adapts to your unique fraud risk profile.

An extensive amount of data is quickly assessed for each order, including the transactional details of the order, information on the device where the order was placed, known customer behavior, external data sources, historical data and much more.

Once the scan is complete, the algorithm assigns a fraud score for each order.

Orders with a low fraud score are approved immediately. Orders with a fraud score outside of your pre-approved threshold are considered suspicious. These orders are immediately sent to our expert secondary review team for further analysis.

Most other fraud solutions simply auto-decline these suspicious orders – but what most merchants don’t realize is that on average, 90% of auto-declined orders are legitimate.

At ClearSale, we never want you to lose revenue by declining a good order, so we never auto-decline your transactions.

Here’s where the ClearSale difference provides a major benefit for your business: Our fraud analysts are trained to look for reasons to approve your orders — not decline them.

Suspicious behavior doesn’t always mean the order is fraudulent. Our analysts assess each flagged transaction, using their experience and extensive expertise to put the entire puzzle together. If the analyst reviews the evidence and determines the order is legitimate, the order is immediately approved.

The reviewer then gathers additional insights that may go unnoted by a machine but will provide valuable clues to a human being:

• Reverse phone /address lookup
• Social network activity
• Link analysis
• Data visualization
• Direct contact with the customer may be necessary using a preapproved call script so your customers feel cared for and valued.

If the second analyst determines the order is legitimate, the order is immediately approved. If the second analyst cannot validate the order, ONLY THEN is it declined.

Do Secondary Reviews Happen Often?

Across our clients, 91.3% of orders are automatically approved – 8.3% are screened by an analyst but do not require a phone call, and only 0.4% are subject to secondary review with a phone call. Our aim is to keep your sales moving quickly, so secondary reviews only take place when a transaction is flagged as potentially fraudulent. This way, you get the best of both worlds: Speedy fraud decisions that never turn away good customers.

This approach is what gives our ecommerce clients the highest approval rates and lowest false decline rates in the industry.

You have big dreams, big goals … and a big to-do list.

Many small to medium ecommerce merchants struggle to fight fraud on their own. But if your ecommerce fraud solution doesn’t look at the full picture, you may be creating more problems than you’re solving – and losing more revenue to false declines than you were to fraud in the first place.

What if your fraud solution could improve your bottom line?

Instead of sacrificing legitimate sales to a too-broad fraud solution, a trusted and expert partner like ClearSale can work with you to make sure you’re approving every good order while protecting your business from damaging chargebacks and fraud.

Slawek Janicki

Chief Caffeine Director, idrinkcoffee.com

“ClearSale frees up our time and helps us focus on what we do, which is selling coffee equipment, not catching fraudsters.”

Mark May

Director, bloom baby

"With ClearSale, our fraud management was integrated right into our Shopify within 10 minutes, and ClearSale was analyzing our transactions the same day."