Fraud Protection

Stop fraud, not customers.

AI-powered real-time fraud detection and chargeback management. Machine learning trained on billions of data points blocks fraudulent transactions — with zero additional integration.

Get startedContact sales

Smarter security, built for growth

Protect revenue with built-in fraud controls, configurable rules, and dispute workflows — so your team spends less time handling payment risk.

AI-powered precision

Machine learning evaluates payment signals to identify suspicious patterns and help your team make consistent risk decisions.

Automated dispute management

Evidence is generated and responses submitted to card issuers automatically, improving dispute win rates while reducing manual workload.

Frictionless experience

Dynamic 3D Secure targets only high-risk transactions, minimizing false positives so legitimate customers complete checkout fast.

Capabilities

From detection to representment, one line of defence.

The same signals drive scoring, your own rules, and the chargeback flow — three capabilities, each shown as it looks in the dashboard.

  • Detect fraud before it happens

    Risk is scored before the authorization goes out: every transaction is evaluated inline, and the score decides whether it passes, is stepped up, or is blocked — not a manual review after the fact.

    • Device fingerprinting and behavioral analytics
    • Multi-dimensional risk scoring on every transaction
    • Real-time detection of proxy IPs, geo anomalies, and card testing
    • Device fingerprint mismatch
    • Proxy IP detected
    • Shipping / IP geo mismatch
    • High-velocity card testing
    Card•••• 4242$1.00 × 14
    12Risk score

    IP203.0.113.7 · proxy

    j.doe@example.comBlocked · card testing

  • Your business, your rules

    What counts as suspicious differs from business to business. You decide where the line sits, rather than inheriting a default model's idea of it.

    • Visual rule editor
    • Allowlists and blocklists
    • Custom 3D Secure triggers
    Rules
    Amount over $500 → require 3DS
    Country on blocklist → block
    Returning customer domain → always allow
    Live re-evaluation
    $45.00USgmail.comApproved
    $680.00SGhotmail.com3DS
    $129.00XXoutlook.comBlocked
    $899.00XXloyal.exampleApproved

  • Chargeback alerts, evidence, and representment workflows

    Once a chargeback is filed, winning it still leaves a record and still counts toward your ratio. So the work happens before filing: settle the dispute inside the window and it never lands on your account.

    • Visa RDR and Mastercard Ethoca alert feeds
    • Rule-based automation inside the 24–72h window
    • Zero penalty, zero record, no ratio impact
    • Everything else: evidence and representment
    Read the docs ↗
    Chargeback alert · before filingReason · item not received
    Automated actions
    OnAlert received and amount ≤ $200 → refund automatically
    OnAlert received and delivery signed for → send to representment
    ExecutedRefunded automatically · $128.00
    No chargeback filed · no penalty, no record
Abuse prevention

Keep abusers out of AI and digital entertainment businesses.

Abuse rarely arrives as a stolen card. It arrives as one more free trial, one more promo claim, one more prompt. Waffo scores those flows with the same signals it runs on payments — and leaves the enforcement call to you.

Trials and AI token grants

Catches duplicate signups, trial farming, repeat claims, and attempts to slip past eligibility limits.

AccountDeviceResult
fp_9f2c…
fp_9f2c…
fp_9f2c…

Same device fingerprint · same IP range · registered within 3 minutes

ExampleDisposable-email signups on a device farm walking off with millions of free tokens.

Content moderation API

A safety gate ahead of generation: send the user's prompt to Waffo's moderation endpoint, get back approve, block, or hold for review — and only then call the model.

POST /v1/actions/verification/scan-prompt{ "prompt": "<user's generation prompt>" }
Scanning
VerdictApproveBlockReview

Blocked requests never reach the model; borderline ones go to a human reviewer.

ExamplePrompts steering a model toward child-safety violations stopped before generation; borderline ones go to a human, usually answered within the hour.

Read the docs ↗

Companies go live on Waffo. Developers start on Pancake.

Two paths, one promise: you build the product, Waffo runs the payments.

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