TRANSACTION FRAUD

Real-Time Transaction Fraud Detection.
Protect Your Revenue.

Reduce disputes, chargebacks, and merchant risk. No PII required.

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Transaction Fraud Protection, From Signup to Checkout

Stop transaction fraud in real time without sending raw personal identifiers.
hCaptcha Enterprise analyzes risk and intent across the customer journey using session and transaction signals to identify card testing, device mismatches, and repeated authorization failures. Zero PII deployments use pre-blinded identifiers instead of raw personal data.

Automate Your Defense in Real-Time

Detect payment fraud and respond in real time. The Rules Engine can evaluate risk signals and apply customer-defined actions as attack patterns change.

Build a Flexible Defense

Create and instantly backtest adaptive rules. Enforce responses in real time, from intelligent rate limiting to MFA challenges to blocking.

Isolate Attacks with Precision

Build rules with our bot detection software, scores, and hundreds of risk signals to block fraudulent transactions while reducing friction and false declines for legitimate users.

Utilize Dynamic Challenges

Use native, invisible, or dynamic challenges to stop suspicious activity before it reaches your transaction infrastructure.

Deploy Native MFA

Use pull-based SMS authentication and OTP verification to add a secure step-up when transaction risk requires it.

Investigate Transactions with a Complete Toolkit

Analytics, real-time insights, anomaly views, and SOC assistance help your team surface first-party fraud and application abuse, investigate suspicious activity, and validate findings.

Understand User Intent

Use real-time fraud detection across the user journey to connect transaction risk with earlier activity.

Expose Hidden Threats

Use filtering to investigate suspicious sessions and identify attack patterns.

Work with Our SOC

Accelerate investigations with expert threat analysis that complements your existing PCI DSS controls.

Frequently Asked Questions

What is transaction fraud detection?

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Transaction fraud detection identifies activity that may indicate a fraudulent or unauthorized digital transaction. It can help surface stolen-card use, card testing, patterns associated with friendly fraud, and card-not-present fraud by evaluating session, device, behavioral, and customer-provided transaction signals.

How are fraudulent transactions detected?

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Transaction fraud detection combines risk scoring with signals from the customer journey. Card testing bursts, device or location mismatches, and repeated authorization failures can increase risk when those signals are available. Customer-defined rules can then allow, challenge, rate-limit, or block an action according to business policy.

What are the red flags of transaction fraud?

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Red flags can include bursts of small test purchases, repeated failed card attempts, mismatched billing and shipping details, and a device or location that differs from the account's usual activity. A single signal does not prove fraud. Risk increases when several signals appear together or develop across the same user journey.

What is the difference between fraud detection and fraud prevention?

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Fraud detection identifies activity that may be fraudulent by analyzing signals and assigning risk. Fraud prevention uses those findings to allow, challenge, rate-limit, review, or block an action. hCaptcha Enterprise connects detection with configurable responses through the Rules Engine.

What is an unusually high chargeback rate?

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An unusually high chargeback rate exceeds the expected range for a merchant's industry, transaction volume, or payment-network requirements. Card-network monitoring programs use ratios, minimum counts, regional rules, and thresholds that can change. Merchants should confirm current requirements with their acquirer or payment processor.

How does hCaptcha Enterprise detect transaction fraud without PII?

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hCaptcha Enterprise supports Zero PII deployments that analyze behavioral, device, network, session, and customer-provided transaction signals without sending hCaptcha raw personal identifiers. Customers control the data they send and can pre-blind fields before they reach hCaptcha.