The Accertify Platform

Work smarter, not harder. By incorporating cutting-edge technology like AI and ML, we are always using the best of technology to stay one step ahead of threats. Our models are constantly improving and computing dynamic risk vectors across thousands of variables. While calculations are robust, output scores are easy to understand, enabling clients to take the right actions in a timely manner.

While some companies tout their capabilities here, the truth is that the data behind the models is what differentiates one solution from another.

Our machine learning stands out from competitors due to the vast volume of curated data in our network and our deep expertise in payments and fraud risk modeling. By monitoring consumer interactions for some of the top brands in the world, and by meticulously capturing feedback, our models have access to some of the most predictive data sets around.

We compute dynamic risk vectors, consisting of thousands of aggregated variables (or predictors), across three tiers: client-specific, industry-wide, and global community. By monitoring for pattern shifts, our models can respond to emerging fraud threats and relax controls when threats subside.

Our machine learning models generate a probability score (indicating risk) and model reason codes (human-readable explanations for the score) for each event, empowering you to understand how a score was derived and adapt to ever-changing threats. The true strength of our machine learning is best demonstrated by the significant returns deliver to our customers.

Thanks to our unmatched global client roster, our insights are based on unparalleled community data from the largest brands across the globe. Our clients benefit from early-pattern detection based upon billions of transactions and events, thereby speeding up response time, minimizing risk, while ensuring customer satisfaction – ultimately driving business forward. Working with the biggest players within respective industries means our clients can drill-down on industry-specific data and take action relevant to their business. These community insights are based on:

• Over 40% of the top 100 US retailers.
• 8 of the Top 10 global airlines; Top 10 airlines in the US.
• Top iGaming/sports betting operators.
• Leading ticketing/entertainment operators

This data alone is only so valuable — the secret ingredient to making it truly valuable is user feedback. Without knowing the final result of an event, community data could spread assumptions rather than true insights. That’s why we’ve built our platform organically to gather feedback at any point in the cycle, emphasizing the importance of carefully curated community data as a valuable asset to drive real insights.

In 2025, our platform processed 10B transactions worth over $1T USD, including 1.6B account protection events. Leveraging this community data strengthens the predictive power of our machine learning models, giving clients a 20% uplift in their risk strategy.

Transformed into a wealth of insights by our data scientists, this community-driven data protects our global community every day. It empowers businesses with the confidence to discern whether a newcomer is an authentic visitor or a potential threat.

What makes us the market leader in fraud management is our people. Our data scientists and experts continually monitor activities worldwide to alert developing patterns. Highly experienced staff, many of whom were former in-house risk managers, apply experience and strategy to data and proactively alert and advise the right course of action. This enables clients to grow and expand at the right pace with the best information at hand.

And while machines excel at processing vast amounts of data and identifying anomalies, humans possess the ability to analyze and interpret that data, determining the most effective course of action.

Our team of skilled professionals specializes in implementing strategies in the real world. We assist our clients in making informed business decisions and responding to client needs. We are committed to providing advice on managing risk for your business, including collaborating with marketing and client support during high-risk periods. We don’t simply provide a risk score. We also give you guidance on how to use that score to make informed decisions that benefit your business. We analyze the reasons behind potential risks, developing comprehensive solutions for risk management. This enables us to tackle existing challenges and anticipate future threats in a dynamic environment, providing our clients with the knowledge and confidence they need to achieve success.

Our entire expert risk team stand behind you: whether you need as little or as much support and advisory. Our highly trained specialists serve as adjunct risk teams for some of our biggest clients. Your account manager serves as your eyes and ears and offers proactive advice as threats emerge and fade. On top of all this, our technology and solutions are designed to be flexible and responsive so you can adapt your policies & controls with speed and confidence to meet changing business needs.

We’ve been at this long enough to know that at some point, probably when you least expect it, you need to quickly insert a policy or control to thwart an attack. It may be something short-lived, longer in duration, SKU-based, or even seasonal. You won’t know what it is until it happens, which is why we give you the ability to adapt your strategy to quickly meet a critical need. You don’t have to wait a week or go through some bureaucratic red tape to make it happen. You are empowered to make the change or ask us and we’ll do it on your behalf. This built-in flexibility enables you to pivot and take action in real-time to protect against new threats.