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A poorly-architected fraud system doesn't just leak money, it actively drives away good customers ➡️ when you falsely decline a legitimate user, there's a 27% chance they will never return. The fix isn't just "better rules" but rather a complete architectural shift. A modern, 3-layer, pre-authorization stack is the only way to scale: 1️⃣ The front line: bot detection & device fingerprinting 2️⃣ The transaction: velocity checks & throttling 3️⃣ The brain: AI/ML models & custom rule engines This is the model we use. The result? Our average chargeback rate is 0.3%, less than half the 0.8% industry average. Keen to know more about our fraud detection? Link in comments👇

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