Transaction Risk Intelligence
Reduce chargebacks before they happen
Score card-not-present transactions for fraud and chargeback risk in real time, so you can make better decisions before a transaction is accepted.
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Real-time scoring
Evaluate transaction risk within the checkout and payment flow.
Flexible inputs
Use transaction, customer, device, and payment context.
Configurable outputs
Receive scores, classifications, or confidence signals.
Easy to integrate
A straightforward API for real-time transaction flows.
Turn transaction data into intelligence
Make every transaction decision with more context
Chargebacks are expensive, disruptive, and difficult to manage with rules alone.
Transaction Risk Intelligence evaluates each transaction as it happens, using the information available at checkout to estimate the likelihood of fraud or a future customer dispute.
Use that signal alongside your existing payment and fraud workflows to decide whether to approve a transaction, decline it, send it for review, or require additional verification.
Decision support
Get the risk signal your workflow needs
Different systems make decisions in different ways.
Transaction Risk Intelligence can return the output best suited to your workflow, including a risk score, a classification, a confidence score, or a combination of signals.
Classifications can also be configured around the outcomes that matter to your business.
You remain in control of what happens next.
Use the response to:
- Approve or decline a transaction
- Route higher-risk transactions for manual review
- Trigger additional verification
- Apply your own business rules
- Add another signal to an existing fraud decisioning system
Fewer unnecessary interruptions
Designed to help reduce unnecessary declines
Fraud prevention is not only about stopping risky transactions. It is also about avoiding unnecessary friction for legitimate customers.
By evaluating transactions using a broader set of signals than static rules alone, Transaction Risk Intelligence can help teams make more informed decisions about which transactions require intervention and which can proceed normally.
The result is a more flexible approach to managing chargeback risk without treating every unusual transaction the same way.
Flexible signals
Risk intelligence built for real-time commerce
Every transaction is different. Your risk model should account for that.
Sandpaper can evaluate signals across the transaction, customer, device, payment method, purchase, and other contextual data you choose to provide.
The more relevant context available to the model, the more complete the risk assessment can be.
Examples of supported signals include:
- Transaction amount and purchase details
- Payment method information
- Customer and account history
- Device and behavioral signals
- Geographic information
- Merchant or marketplace data
- Custom transaction metadata
Simple integration
Simple to integrate. Flexible by design.
Transaction Risk Intelligence is delivered through a straightforward API built for real-time transaction flows.
Send the transaction data relevant to your business and receive a risk assessment before the transaction is finally accepted.
The service can work pre- or post-authorization, giving you flexibility to integrate it into the point in your payment flow that makes the most sense for your system.
Your implementation can start with the data you already have and evolve as your risk strategy becomes more sophisticated.
Built for modern commerce
A more adaptable approach to fraud detection
Traditional fraud systems can be expensive, rigid, or difficult to adapt to the way your business actually operates.
Sandpaper is designed to provide a more flexible and cost-efficient alternative.
Real-time
Evaluate transaction risk within the checkout and payment flow.
Adaptable
Use a wide range of transaction and customer signals, with classifications configured around your needs.
Practical
Integrate through a focused API without introducing unnecessary complexity into your payments stack.
Cost-efficient
Add AI-powered fraud detection without the overhead associated with larger legacy fraud platforms.
Built for modern commerce
Built for modern commerce
Transaction Risk Intelligence is designed for businesses processing card-not-present transactions at scale, including:
- E-commerce businesses
- Online marketplaces
- Payment processors
Whether you are dealing with rising chargebacks, growing manual review volume, or fraud rules that are becoming difficult to maintain, Sandpaper provides another layer of intelligence for transaction decisioning.
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Make better decisions before the chargeback
Evaluate transaction risk in real time and add a flexible fraud signal to your existing payment workflow.