The Top 10 Fraud Detection and Prevention Solutions (2026)

US consumers reported losing about $16 billion to fraud in 2025, the highest figure on record and roughly 25% above 2024, according to the Federal Trade Commission. The FBI's Internet Crime Complaint Center counted nearly $21 billion in losses across more than a million complaints in the same year, the first time complaints passed seven figures. The short answer on tooling: Socure if you want identity and fraud decisioning in one engine, Feedzai for tier-one banking scale, and Sift for e-commerce and marketplace trust.

Pick Signifyd, Forter or Riskified if you want someone else to carry chargeback liability. Pick SEON if you are a fintech or iGaming operator who wants a published price and fast integration, DataVisor if your problem is coordinated fraud rings, and Sardine if you need behavioural signals plus compliance in one place.

Last verified: September 2026. Ownership, product names and prices below were checked against vendor sites, and loss figures come from the FTC and the FBI rather than vendor marketing.

Quick comparison

Platform	Best for	Chargeback guarantee	Pricing
Socure	Identity plus fraud decisioning in one engine	No	Custom enterprise
Feedzai	Banks and payment processors at scale	No	Custom enterprise
Sift	E-commerce, marketplaces and content abuse	No	Custom, volume-based
Signifyd	Merchants that want fraud liability shifted	Yes, on approved orders	Custom, share of transaction value
Forter	Large retailers and agentic commerce	Yes	Custom, volume-based
SEON	Fintech, iGaming and fast-moving teams	No	Starter $699 per month for 2,500 checks (published)
DataVisor	Coordinated fraud rings and synthetic identity	No	Custom enterprise
Sardine	Behavioural signals plus AML in one platform	No	Custom
Riskified	Enterprise merchants wanting auditable vendor financials	Yes, on approved orders	Custom, share of approved volume
Fraud.net	Mid-market firms needing breadth without a build	No	Custom, volume-based

Almost nobody in this market publishes a price. SEON is the exception at the entry level, and Persona and Sumsub publish per-check rates for the identity layer. Treat any quote you receive as a starting position, and benchmark it against your current fraud losses plus the revenue you lose to false declines.

Fraud detection, fraud prevention, and identity verification

• Identity verification answers "is this a real person, and are they who they claim to be?" at signup. See our ranking of identity verification software.
• Fraud prevention stops a bad transaction or signup before it completes, using device, behavioural, network and identity signals in real time.
• Fraud detection finds fraud during or after the event, and feeds investigations, chargeback representment and suspicious activity reporting.

Modern platforms do all three, and the interesting question is where your decision logic lives. The traditional advice was to buy an identity vendor and bolt on a separate orchestration layer. Socure's absorption of Effectiv and Fravity, and Feedzai's of Demyst, have made that advice less automatic: the decision engine and the identity data increasingly ship together.

The 10 best fraud detection and prevention platforms

1. Socure

Best for: enterprises and government programs that want identity verification and fraud decisioning in one system.

Socure pairs its identity graph and Sigma risk models with RiskOS, the decisioning and orchestration platform built on its 2024 acquisition of Effectiv. In August 2026 it took a strategic growth investment at a $5.2 billion valuation, led by Summit Partners with Goldman Sachs Alternatives, Wells Fargo and Docusign participating, and acquired Fravity, an agentic fraud-operations platform, on the same day.

Strengths: one vendor across onboarding identity, transaction risk and case workflow, so signals do not have to be reconciled across tools; strong public-sector track record; RiskOS can orchestrate third-party data sources you already pay for.

Limitations: US-centric data coverage is far deeper than its international coverage; enterprise contracting and implementation effort put it out of reach for small merchants.

Pricing: custom enterprise pricing.

2. Feedzai

Best for: banks, payment processors and any operation scoring transactions at very high volume under regulatory scrutiny.

Feedzai runs real-time transaction monitoring with sub-second decisioning and pairs it with AML and case management. It acquired Demyst, a data-orchestration company, in April 2025, and raised roughly $75 million in October 2025 at a $2 billion valuation. The Demyst deal matters for buyers because it brings external data sourcing into the same platform that scores the transaction.

Strengths: proven at tier-one bank volume; explainability tooling that satisfies model-risk governance; scam and authorised push payment detection, which is now a liability issue in the UK and increasingly elsewhere.

Limitations: long implementations, typically measured in quarters with professional services attached; priced for institutions, not for mid-market e-commerce.

Pricing: custom enterprise pricing.

3. Sift

Best for: e-commerce, marketplaces and platforms that need payment fraud, account takeover and content abuse in one place.

Sift scores users across their whole lifecycle rather than at the payment alone, drawing on a network that spans tens of thousands of sites. That breadth is the product: a device or email seen committing fraud on another Sift customer is already suspect on yours. Console workflows let analysts write and test rules without engineering help.

Strengths: one model covers payment fraud, account takeover, promo abuse and spam; strong analyst tooling; API-first integration.

Limitations: no chargeback guarantee, so you keep the liability; network effects are weaker in verticals where Sift has few customers.

Pricing: custom, based on volume and modules.

4. Signifyd

Best for: merchants that would rather buy a predictable cost than manage an unpredictable loss.

Signifyd approves or declines orders and takes financial liability for the ones it approves, reimbursing chargebacks it got wrong. That converts fraud from a variable loss into a line item. It also covers item-not-received and abuse claims, which many merchants underestimate as a cost.

Strengths: genuine liability shift, which changes how your finance team can plan; pre-built connectors for major commerce platforms; decisions optimised for approval rate rather than pure fraud rate.

Limitations: the guarantee is priced as a share of transaction value, so merchants with low fraud rates and a good in-house team often pay more than they lose; you give up some control over decisions.

Pricing: custom, quoted as a percentage of covered transaction value.

5. Forter

Best for: large retailers, and any merchant starting to see AI agents shopping on behalf of customers.

Forter makes automated approve or decline decisions in milliseconds with a chargeback guarantee, built on an identity graph assembled from its merchant network. During 2026 it shipped Trusted Agentic Commerce, agentic orchestration and an MCP server, which put it ahead of most of this list on the question of what to do when the buyer is a piece of software.

Strengths: very high automation rate, so few orders reach a human; identity graph links repeat customers across merchants; the clearest product answer so far to agent-initiated purchases.

Limitations: enterprise pricing and onboarding; the decision engine is largely a black box, which some risk teams dislike.

Pricing: custom, volume-based.

6. SEON

Best for: fintech, iGaming and lending teams that want signal fast without an enterprise procurement cycle.

SEON enriches an email address, phone number, IP and device into a digital footprint, then scores it, which lets you reject obvious fraud before paying for a full identity check. It raised an $80 million Series C from Sixth Street Growth in September 2025, bringing total funding to $187 million.

Strengths: publishes a price, which almost nobody here does; fast integration measured in days; a transparent rules engine that fraud analysts can read and edit.

Limitations: digital footprint data drawn from social and web sources needs a privacy review in EU deployments; less depth than Feedzai for regulated bank transaction monitoring.

Pricing: Starter is published at $699 per month for 2,500 fraud checks; Premium is quoted (SEON pricing).

7. DataVisor

Best for: teams fighting coordinated rings and synthetic identities rather than one-off bad transactions.

DataVisor built its reputation on unsupervised machine learning: finding clusters of accounts that behave alike before any of them has been labelled fraudulent. That matters because supervised models only learn attacks you have already caught and labelled, and ring-based fraud is designed to look individually unremarkable.

Strengths: detects novel attack patterns without labelled training data; graph analysis across accounts, devices and payment instruments; strong fit for banks and digital lenders seeing bust-out fraud.

Limitations: unsupervised output needs analysts who can interpret clusters; less turnkey than an e-commerce point solution.

Pricing: custom enterprise pricing.

8. Sardine

Best for: fintechs and crypto platforms that want behavioural biometrics, fraud and compliance from one vendor.

Sardine scores how a user behaves during a session, including typing cadence, navigation and copy-paste patterns, which is how it catches scam victims being coached in real time by a fraudster on the phone. It raised a $70 million Series C in February 2025 led by Activant, with Moody's Analytics and Experian Ventures participating.

Strengths: unusually good at authorised push payment and social engineering scams, which traditional transaction scoring misses because the real customer is the one clicking; fraud, AML and compliance case management in one platform.

Limitations: younger and smaller than the incumbents, so vendor durability deserves scrutiny in a long contract; behavioural signals need enough session data to be useful.

Pricing: custom.

9. Riskified

Best for: enterprise merchants that want a chargeback guarantee from a vendor whose financials they can read.

Riskified approves or declines orders with a guarantee, in the same model as Signifyd and Forter, with additional products for policy abuse, returns abuse and account takeover. It is the only vendor on this page that is publicly listed, which means you can evaluate its balance sheet rather than rely on a funding announcement. It explored a sale during 2025, and no transaction was announced.

Strengths: auditable public financials; strong in fashion, travel, ticketing and other high-abuse verticals; chargeback guarantee plus abuse products in one contract.

Limitations: built for enterprise volumes; the guarantee fee, as with all guarantee vendors, only pays for itself above a certain fraud rate.

Pricing: custom, quoted as a share of approved order value.

10. Fraud.net

Best for: mid-market financial services and e-commerce firms that need broad coverage without building a risk stack.

Fraud.net layers transaction monitoring, identity checks, device intelligence and a rules engine into a single platform, with a consortium data model and reporting aimed at regulated firms. It is the pragmatic option for a team that has no dedicated data scientists.

Strengths: broad coverage from one contract; usable out of the box; reporting designed for compliance evidence.

Limitations: less depth in any single area than a specialist; smaller data network than Sift or Forter.

Pricing: custom, volume-based.

AI agents: block them, verify them, or sell to them?

The newest change to this category is traffic that is neither a human nor a bot in the old sense. An AI agent acting for a real customer will look automated to every heuristic you have, and blocking it declines a legitimate sale. Treating it as human invites the abuse that automation always brings.

The vendors have split three ways. Arkose Labs launched Titan in January 2026, covering bots, AI agents and human fraud farms in one product, and its challenge-based model degrades attacker economics rather than trying to classify perfectly (Arkose Labs). DataDome was named a Leader with the highest current-offering score in Forrester's first Bot and Agent Trust Management Wave in the second quarter of 2026, and sits in front of the application as edge defence (DataDome). Forter and Persona take the opposite position: agents are customers, and the job is to verify which human is behind them.

Decide your policy before you buy, because the three approaches are not interchangeable. If your revenue can come through an agent, buy verification. If it cannot, buy blocking. For the underlying mechanics, see our guide to bot defense.

Adjacent tools you may actually need

Identity at onboarding. Sumsub covers KYC, KYB, AML screening and transaction monitoring in one workflow, publishing rates from $1.35 per verification with a monthly minimum. Persona publishes an Essential plan from $250 per month billed annually, including 500 verifications with $1.50 for each additional one, plus a free startup tier, and raised a $200 million Series D at a $2 billion valuation in April 2025. Both feed identity signals into the fraud engines above rather than replacing them. Our KYC ranking goes deeper.

Fraud operations and case management. Unit21 raised a $45 million Series C in March 2025 and relaunched in March 2026 as AI risk infrastructure, aimed at teams that have detection but no workflow. If your analysts live in spreadsheets, that gap costs more than model accuracy does.

Deepfakes and executive impersonation. Voice and video impersonation of executives now sits between fraud and security, and no transaction-scoring platform catches it. See our guide to deepfake executive fraud controls.

Vendors that no longer exist as standalone products

Three names that appear in most comparison articles have been absorbed, which matters if you are about to request a quote.

• Kount is no longer sold as a brand. kount.com now redirects to Equifax, and the destination pages describe the capabilities as Equifax payments fraud, chargeback prevention and identity proofing. If you want what Kount did, ask Equifax for those products by name.
• Ravelin was acquired by Worldpay, completed in February 2025. The brand is still used as a Worldpay product, so it is buyable, but it is no longer an independent vendor.
• Effectiv was acquired by Socure in late 2024 and is now the foundation of Socure RiskOS. Any page still listing Effectiv as a standalone option, including an earlier version of this one, is out of date.

Fraud platform by use case

Situation	Start with	Why
Bank modernising transaction monitoring	Feedzai	Proven at tier-one volume with model governance and AML in scope
Fintech launching a new payment product	SEON or Sardine	Fast integration, real-time scoring, published or near-published pricing
Marketplace with buyer and seller fraud	Sift	One platform across payments, account takeover and content abuse
Merchant with chargebacks above 0.5% of revenue	Signifyd or Riskified	Liability shift turns an unpredictable loss into a fixed cost
Retailer seeing agent-initiated orders	Forter	Agentic commerce products and an identity graph across merchants
Lender or bank hit by coordinated rings	DataVisor	Unsupervised clustering finds attacks before they are labelled
Government or enterprise combining identity and fraud	Socure	Identity graph plus RiskOS decisioning in one contract
Site under scraping and credential-stuffing load	DataDome or Arkose Labs	Edge defence and attacker-economics challenges, not transaction scoring
Team with detection but no investigation workflow	Unit21	Case management and alert triage rather than another model
Mid-market firm with no data science team	Fraud.net	Broad coverage from one vendor, usable without tuning

How to evaluate without being sold a model

Every vendor in this category will show you a detection rate. That number is close to meaningless on its own, because you can reach any detection rate you like by declining more orders. Three things to insist on instead.

Measure false declines, not just fraud caught. For most merchants above a certain size, revenue lost to wrongly declined good customers exceeds fraud losses. Ask each vendor to report approval rate and fraud rate together, on your data, in a trial.

Run a shadow period. Score live traffic without acting on the scores for at least a few weeks, then compare against what actually happened. A vendor that resists this is telling you something.

Ask who owns the loss. Guarantee vendors take financial liability and therefore have an incentive aligned with approving good orders. Scoring vendors do not, and their incentives are aligned with looking accurate. Neither is wrong, but the difference should change how you read their numbers.

From building LoginRadius, a customer identity platform that scaled past a billion users, the pattern worth stating plainly is that most "fraud" incidents start as identity failures. A stolen credential, a reused password, a signup that should never have been approved. Fixing detection downstream while leaving authentication weak is expensive. Pair whatever you buy here with the controls in our guide to stopping account compromise.

How we evaluated

Last verified: September 2026. We checked each vendor's own site and documentation for current product names, ownership and capabilities, and pricing pages where a price is published. We confirmed corporate changes including Socure's August 2026 investment and Fravity acquisition, Feedzai's acquisition of Demyst, Worldpay's acquisition of Ravelin, Socure's earlier acquisition of Effectiv, and the retirement of Kount as a standalone brand. Loss statistics come from the FTC and the FBI's Internet Crime Complaint Center, not from vendors.

Platforms were compared on decisioning model, data network, liability terms, coverage of account takeover and scam typologies, analyst tooling, AI-agent handling and pricing transparency. We did not run hands-on tests, and any accuracy or volume claim is attributed to the vendor that makes it. Vendor-published statistics on deepfake or injection attack growth are marketing research and are treated as such.

Frequently Asked Questions

What are the best fraud detection and prevention tools in 2026?

Socure, Feedzai and Sift lead for most buyers. Socure fits enterprises wanting identity and fraud decisioning together, Feedzai fits banks and processors at scale, and Sift fits e-commerce and marketplaces. If you want fraud liability shifted off your books, look at Signifyd, Forter or Riskified instead. Choose by transaction volume, industry and whether you need a guarantee.

What is a chargeback guarantee and is it worth paying for?

The vendor reimburses you for chargebacks on transactions it approved, so fraud becomes a fixed fee rather than a variable loss. Signifyd, Forter and Riskified are the main providers. It usually pays off when your chargeback rate is high enough that the fee is below your current losses, or when false declines are costing you more than fraud. Merchants with low fraud rates and a strong in-house team often pay a premium for coverage they do not need.

How much does fraud detection software cost?

Most vendors quote rather than publish. SEON publishes an entry plan at $699 per month for 2,500 checks, Persona publishes from $250 per month, and Sumsub publishes from $1.35 per verification. Enterprise platforms run to six-figure annual contracts. A reasonable starting benchmark is a fraction of a percent of transaction value, evaluated against your current fraud losses plus lost revenue from false declines.

What is the difference between fraud detection and identity verification?

Identity verification confirms at signup that a person is real and is who they claim to be, usually with a document and a selfie. Fraud detection watches behaviour and transactions afterwards. You need both: a verified identity can still be sold, stolen or socially engineered, and a fraud engine with no identity signal has to infer everything from device and behaviour.

How do fraud platforms handle AI agents shopping on a customer's behalf?

Three different ways. Arkose Labs and DataDome treat agents as traffic to classify and, where appropriate, block or challenge. Forter and Persona treat agents as delegates of a real customer and focus on verifying the human behind them. Most legacy platforms still classify them as bots by default, which quietly declines legitimate orders. Decide your commercial policy first, then buy the matching tool.

Can a small business use these platforms?

Yes, but not all of them. SEON, Fraud.net and Persona have entry tiers a small team can afford and integrate. Feedzai, Socure and DataVisor are built for enterprise contracts and implementation timelines. If you run on a major commerce platform, start with its built-in risk tools and a guarantee vendor before buying a full risk stack.