Fraud Lifecycle Model
Fraud does not occur at a single moment. It emerges through patterns of behavior over time, often spanning multiple interactions, systems, and stages of a customer journey.
Accertify’s Fraud APIs are designed around this reality. Rather than treating fraud as an isolated transaction‑time problem, Accertify evaluates risk across pre‑transaction activity, transaction events, and post‑transaction behavior, using shared intelligence to distinguish trustworthy users from bad actors.
This lifecycle‑based approach allows risk to be assessed continuously while still supporting real‑time decisioning at moments where action is required. This model provides the context for the product overviews that follow: Account Protection, Device Intelligence, Fraud, Chargeback, and CARE.
