our company
We Clear Your Path to More Sales.

Our Company
and Our Culture

Over 20 years of experience as one of the biggest CNP fraud prevention operations in the world. Our secret? The best fraud prevention team – and the best processes.

Let our team work for you


We Are ClearSale.

When you work with ClearSale, you work with a powerful team of fraud experts who have honed their skills in the trenches of the world’s most challenging markets.

Through the years, we have innovated, optimized, and perfected our processes to empower you to eliminate fraud, sell more, and make your customers happier. We never stop!

Quick Facts About ClearSale

  • 99%

    Retention rate

  • 6,000+

    clients worldwide

  • 20+

    years in the market

  • 2,000+

    specialized analysts

  • 160+


  • 24/7/365


Highest approval rates and lowest false decline rates in the industry

Highest approval rates and lowest false decline rates in the industry

Largest company focused on global CNP fraud prevention solutions

Largest company focused on global CNP fraud prevention solutions

Compliant/compatible with all data protection legislation

Compliant/compatible with all data protection legislation

First company to offer chargeback guarantees - and the largest to still do so.

First company to offer chargeback guarantees - and the largest to still do so.

Only company offering performance-based pricing and chargeback guarantee options.

Only company offering performance-based pricing and chargeback guarantee options.

Only company with 18+ years of experience delivering fully outsourced fraud solutions for enterprise organizations

Only company with 20+ years of experience delivering fully outsourced fraud solutions for enterprise organizations

Problem Solving
Is in Our DNA.

Ecommerce is a dynamic, challenging environment. As the leading fraud prevention solution, we help your store reach its full potential – no matter the hurdles you might face.

We do this via our “secret recipe” that combines the best of big data analytics, statistical intelligence, human capital, and innovative technologies. With every new scenario, we strive to understand:

  1. 1

    What is the real problem?

  2. 2

    What is at stake?

  3. 3

    What is the best solution?

  4. 4

    What change will our client need to make?

  5. 5

    How can we build a solution together?

  6. 6

    How should we manage this change together?

Our goal is to set you free from the worry and work of fraud management, so you can fulfill your vision of what you know your ecommerce store can be.

A Culture Built on Trust and Support.

As problem solvers, we know that people – both our team members and our valued clients – are our most valuable assets.

Our Values

Agility Trust Courage

We train for tactical agility to keep our critical and creative thinking fresh and to ensure we remain bold, astute, and pioneering.

This flexibility enables us to adapt to market changes without breaking a sweat.

We believe a team with integrity accomplishes more. We hire the cream of the crop, and we invest in our relationships.

Our positive, productive company culture empowers us to face challenges fearlessly.

Choosing to embrace challenges and blaze new trails isn’t for the faint of heart. It requires bravery, integrity, and commitment.

We consider ourselves warriors on the battlefield of fraud … and all warriors value courage.

  • Eduardo Mônaco, CFO
  • Bernardo Lustosa, PhD, President
  • Rafael Lourenco, Vice President

Eduardo Mônaco, CFO

eduardo monaco (1)

Eduardo Mônaco


Graduated in Statistics at the State University of Campinas (also called UNICAMP), with MBA in Business Management at FIA Business School, worked for about 10 years in some of the biggest Brazilian retail companies, such as C&A, Pão de Açúcar and Riachuelo, structuring analytical areas with focus to apply strategies in several areas of knowledge.

Has experience as Product, Marketing and Analytics Executive Director at Minuto Seguros, a digital startup known as one of the biggest insurtechs in Brazil. He was one of the main ones responsible for the company's accelerated growth process, actively participating in strategic decisions. He also was the Sales and Marketing Director at Dafiti, in charge of all the investment and Sales of Performance Marketing.

With more than three years of experience at ClearSale, he currently occupies the position of CFO in the company, which is referenced in data intelligence with multiple solutions for different markets. He is responsible for the Operations, Analytics IT, Products, Open Innovation, Customer Success and Data teams.

He also works as Professor at FIA, teaching classes of MBA and graduate courses about topics related to Data Analysis, Statistics, Business Intelligence, Big Data and ROI Marketing. He describes himself as a true agility lover and believes that the implementation of those processes changes the history of a company since the teams can become multi-disciplinary, trust in their process and journeys, and tend to focus more on the results.

Bernardo Lustosa, PhD, President


Bernardo Lustosa, PhD


Bernardo draws on his background in statistics and his love of problem-solving to create an industry-changing fraud management process based on statistics, IT, and human capital.

Since Bernardo joined ClearSale in 2004, the company has grown from a small start-up to the dominant CNP fraud-management provider in one of the world’s largest economies.

Bernardo’s passion for data-driven problem-solving drives his work as ClearSale’s President and his other professional contributions. The Endeavor Global organization in New York named Bernardo a high-impact international entrepreneur in 2011.

Bernardo holds an Executive Program degree from Stanford Graduate School of business, and degrees from three of Brazil’s top 10 universities: a Ph.D. in Business Management from FGV, a Master of Economics degree from UCB-DF, and a degree in statistics from UNICAMP.

Rafael Lourenco, Vice President


Rafael Lourenco

Vice President

Leading smart people to solve complex problems in dynamic environments is Rafael’s signature skill.

As ClearSale’s VP of US Operations, Rafael combines the company’s innovation-driven culture and emphasis on communication with a deep understanding of the statistical tools that underpin excellent fraud protection.

During his nearly 10 years with the company, Rafael has planned and executed ClearSale’s international business unit, directed ClearSale’s statistical intelligence area, and helped manage the company’s growth from 25 to more than 2000 employees.

Rafael has a distinguished academic background. He earned his master's degree in economics and finance at FGV-SP (Fundação Getúlio Vargas-São Paulo), and he holds a bachelor's degree with great distinction in statistics from UNICAMP, internationally recognized as one of the top universities in Brazil and the world.

ClearSale Reviews


Great Value

"The product is great. We've never had a complaint from day 1. The setup was easy. And the continued service has been exceptional. With a product like this, you want it to work behind the scenes without ever thinking about it. That's ClearSale. It does exactly what it is supposed to do and never causes us troubles."

Nathan N.


Great service & peace of mind

"ClearSale offers a great service that comes with complete peace of mind. Their staff is easy to reach and pleasant to deal with. I particularly enjoy that I no longer have to spend hours a day investigating customers who purchase from our online store and trying to determine if they are legitimate or not. No more rolling the dice with our business. ClearSale also backs up all their..."

Barry N.


Amazing - takes the stress away from me!

"I love that it takes the stress away from me worrying about fraud charges."

Dustin D.


They are great!

"The competitive rates, their quick response to customer service"

Daniel Esteban C


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Get Started?

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