# Fraud protection at the speed of checkout

Our embedded fraud solution automatically detects and prevents fraudulent transactions—online and in-person—in real time. It’s built into all Stitch payment methods and works alongside existing fraud tools. Premium features are also available for clients that require more direct control and customisation.

## Why an embedded fraud solution?

Fraud targets all payment methods. Our data-trained, embedded fraud solution applies real-time checks across all the ways your customers pay. This results in a universal capability to enforce rules everywhere, all the time, leaving merchants with no blind spots and no need for a patchwork of tools.

### Reduce fraud and disputes

Stitch blocks fraudulent transactions in real time, preventing them resulting in losses and costly chargebacks

### Customise rules to your business

Use custom lists, composite rules, and your own transaction metadata to design custom rule set that matches your industry, risk appetite and unique context.

### Sync with your existing systems

Our solution is built into all Stitch payments and can work alongside existing fraud tools, adding an extra layer of protection at checkout

### Save time on fraud operations

We manage disputes with banks and other providers directly on behalf of clients whenever potential fraud arises

### Monitor fraud to stay ahead

Track fraud trends with clear reporting and insights, so you can continuously refine your strategy and stay ahead of new threats

## How it works

Layered protection at checkout – without complexity

Each transaction is checked throughout the payment lifecycle, with signals gathered at each stage and combined with transaction history to assess risk and take action -- in real time.

Device and card fingerprinting

Recognise returning users and spot suspicious transactions across all payment methods.

Custom rules engine

Partner with Stitch fraud experts to shape risk controls that fit your business and risk appetite, without hurting customer experience.

Dynamic controls

Fine-tune when to block, allow or log activity so you can detect and shut the door on bad actors without compromising checkout conversion.

## Proof points

Merchants that rely on Stitch to detect + prevent fraud have achieved:

### Lower fraud rates

Fraud reduction of over 90% (from 5.5% to <0.5%)

### Millions in losses prevented

$50M+ in fraud losses prevented

### Fast results

Acceptable thresholds reached in as little as 1 month