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Retail and e-commerce · Payment fraud

Stop payment fraud and chargebacks without blocking real customers.

Safefy watches sign-ups, logins, checkout, promos and refunds. It catches card testing, account takeover and promo abuse, and lets good orders through.

Talk to an expertSee the regulation

From sign-up to refund, five moments of risk

  1. Account creation

    New account, temporary email

    Device shared with other new accounts

    Medium Welcome coupon put on hold
    Fraud Prevention

  2. Login

    Login right after a password reset

    Browsing unlike the account owner's

    High Asked to confirm identity
    Behavioral Risk

  3. Checkout

    US$ 1 payments, many different cards

    Card testing from one device

    High Blocked before authorization
    Fraud Prevention

  4. Coupon

    First-order coupon on a new account

    Same address as past coupon users

    Medium Discount denied, order allowed
    Behavioral Risk

  5. Refund and chargeback

    Refund claim: item not received

    Delivery confirmed, repeat claims

    High Case opened with the evidence
    Explainable AI & Cases

Fraud costs you twice.

Card testing runs on your checkout

Fraudsters check stolen cards with small payments at stores like yours. The disputes and the fees land on you.

Promotions attract professionals

Coupons, cashback and free shipping are made for new customers. Organized abusers open accounts in bulk to farm them.

Marketplaces inherit seller risk

Every new seller brings their own risk. Without seller verification, a bad actor sells under your brand.

New account, temporary email Medium

CARD TESTING

Stolen cards tested at your checkout

Many small payments, different cards, one device. Payment fraud signals stop the attack before authorization, before it turns into chargebacks.

Fraud Prevention
Login right after a password reset High

PROMO AND REFUND ABUSE

One customer behind many accounts

Linked devices, addresses and payment methods show who is farming coupons or claiming refunds for orders that arrived.

Behavioral Risk
US$ 1 payments, many different cards High

SELLER VERIFICATION

Know who sells on your marketplace

KYB checks the company, its beneficial owners, sanctions lists and adverse media before a seller goes live under your brand.

Screening & Due Diligence

Every alert says why.

Declining a good customer is also a loss. When the alert shows its reasons, your team can approve with confidence instead of declining by default.

Explainable AI & Cases

Why it fired

Risk score 78/100

Possible promo abuse

  • New account with a temporary email
  • Device linked to accounts that used the coupon
  • Same delivery address, different names
  • Cart just above the coupon minimum
Decision Deny the discount, keep the order

Regulation

Rules by country

Payments, consumer protection and money laundering rules change from market to market. See what applies where you sell.

Since Provisional Measure (MP) No. 1,394 of September 25, 2026, fixed-odds betting is banned in Brazil and banks must block payments to bet operators; Congress has yet to vote on it. Pix and digital accounts remain under BCB anti-money laundering and fraud rules.

  • Lei nº 9.613/1998

    COAF

    Obliged sectors, such as banks, payment firms, betting and luxury-goods sellers, must identify clients, keep records and report suspicious transactions to COAF.

    Official source

  • Lei nº 13.709/2018 (LGPD)

    ANPD

    Any personal data processing, including for fraud prevention, needs a legal basis, security measures and respect for data subject rights, overseen by ANPD.

    Official source

Gaming still rests on a 1947 law and SEGOB permits, while the 2025 reform of the anti-money laundering law tightened duties for vulnerable activities such as betting, with beneficial ownership and automated monitoring.

  • Ley Federal para la Prevención e Identificación de Operaciones con Recursos de Procedencia Ilícita (LFPIORPI)

    SHCP (UIF) · SAT

    Vulnerable activities, such as betting, raffles and jewelry or car sales, must identify clients and beneficial owners and file notices with the SAT above set thresholds.

    Official source

Colombia treats online gaming as a state monopoly granted by Coljuegos, and each sector answers to its own anti-money laundering system: SARLAFT in finance, SIPLAFT in gaming and SAGRILAFT in companies.

  • Circular Básica Jurídica de Supersociedades, Capítulo X (SAGRILAFT)

    Supersociedades

    Companies above income or asset thresholds must adopt SAGRILAFT: ML/TF risk management, due diligence and suspicious transaction reports to the UIAF.

    Official source

Chile has no licensing regime for online betting yet: the bill to regulate it is still in the Senate. Anti-money laundering and payment fraud duties fall on banks, card issuers and fintechs.

  • Ley N° 19.913

    UAF

    Banks, card issuers, casinos, car dealers and jewelers, among others, must report suspicious transactions to the UAF, the financial analysis unit.

    Official source

The EU is moving to a single anti-money laundering rulebook that applies from July 2027, overseen by a new authority (AMLA), while gambling licensing stays national, as in Malta and Great Britain.

  • Regulation (EU) 2024/1624 (AMLR)

    EU

    From July 10, 2027, obliged entities, including banks, payment firms, gambling providers and high-value goods traders, follow single EU due diligence rules.

    Official source

  • Directive (EU) 2015/2366 (PSD2)

    EU · EBA

    With Delegated Regulation (EU) 2018/389 (SCA)

    Payment service providers must apply strong customer authentication for online account access and electronic payments, dynamically linked to amount and payee.

    Official source
See every rule, market by market

Proof

Forged in Brazil's regulated iGaming market

Bonus abuse in betting is coupon abuse in retail: fake accounts, shared devices and organized groups farming an incentive. Our engine proved it catches this in production, with licensed betting operators in Brazil. The same engine is now available to retailers.

  • Proven in production with licensed operators in Brazil's regulated betting market, where it monitored every deposit, bet and withdrawal.
  • Catches bonus abuse, bots and colluding accounts, the same tactics behind promo abuse and card testing.
  • Two awards at CGS-Recife 2025: Technological Advancement in Digital Security and Rising Star · AML Innovation.
See iGaming Brazil (in Portuguese)
Technological Advancement in Digital Security

Technological Advancement in Digital Security

Where and when

CGS-Recife · 2025

Rising Star · AML Innovation

Rising Star · AML Innovation

Where and when

CGS-Recife · 2025

Retail · Questions

What buyers ask.

How does chargeback prevention work?

Most chargebacks start as a fraudulent payment or a false claim. Safefy checks the order before authorization, using device, behavior and payment signals, and keeps the evidence when a dispute comes in, on the same engine proven in production in iGaming.

What is card testing and how do you stop it?

Card testing is when fraudsters run small payments with stolen cards to find the ones that still work. The pattern is clear: many cards, small amounts, one device or network. Safefy spots it and blocks the attempts before authorization.

How do you detect promo and coupon abuse?

Promo abuse hides behind many accounts that look new. Safefy links them by device, address and payment method, so the same person cannot claim the same coupon over and over. The discount can be denied while the order still goes through.

Does fraud prevention add friction for real customers?

No. Most orders carry no risk signal and go through untouched. Extra checks only appear when signals stack up, and every alert explains why, so your team approves good orders instead of declining by default.

How does marketplace seller verification (KYB) work?

KYB checks who is behind a seller before they go live: the company, its beneficial owners, sanctions and PEP lists and adverse media. Safefy runs these checks and records the result, so you can show why each seller was approved.

In English, Portuguese or Spanish

Bring us your hardest fraud case.

Thirty minutes with our team on your volume, your market and the chargeback, card testing and promo abuse patterns you are chasing.

Option 1

Pick a time now.

Straight into our calendar, with instant confirmation.

  • 30 minutes, no commitment
  • Video call with someone who knows the subject
  • Instant confirmation by email
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atendimento@safefy.com.br

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