How SEON enriches Checkout.com's fraud detection with 900+ real-time signals — a tailored partnership proposal for the world's leading payment infrastructure.
The global fraud threat has reached a critical inflection point. The data is unambiguous — and the pressure on payment processors has never been higher.
Cumulative payment fraud losses expected to exceed this figure in the coming years
More than half of merchants report increasing fraud rates, per MRC 2025
Identifying novel fraud vectors remains the single greatest operational challenge
Checkout.com is a $11B+ global payment powerhouse, trusted by Klarna, Deliveroo, Sony, and hundreds of enterprise brands worldwide. With Fraud Detection Pro, Checkout.com has already made a meaningful investment in ML-driven risk management.
But fraud innovation never pauses. Adversaries continuously evolve their tactics — and no single solution, however powerful, can address every vector in isolation.
150+ currencies, operating in key markets worldwide
Existing ML engine delivering transaction-level signals
API-first infrastructure at the core of everything
Checkout.com's Fraud Detection Pro is powerful — but it operates primarily on transaction-level and network signals. This leaves a critical blind spot at the earliest, most vulnerable stages of the user journey.
Email age, social presence, and device fingerprinting are invisible to transaction-only models — yet they're the clearest early indicators of synthetic identity fraud.
By the time a transaction reaches Fraud Detection Pro, a fraudster may already be authenticated. Real-time email, phone, and IP intelligence must act earlier.
Subtle behavioral signals at onboarding and login — typing cadence, device orientation, session patterns — are not captured by payment-layer tooling alone.
SEON's enrichment layer illuminates the full digital identity of every user — from first touch through transaction — filling the exact gaps that sophisticated fraudsters exploit.
Real-time lookup of email age, domain risk, social media registrations, and phone carrier data — revealing synthetic and stolen identities instantly.
VPN, proxy, and Tor detection combined with deep device fingerprinting catches location spoofing and device recycling across fraud rings.
Passive behavioral signals at onboarding and login detect bots, account takeovers, and scripted attacks before authentication completes.
Covers pre-KYC, onboarding, login, and transaction monitoring — ensuring no stage of the customer journey is a blind spot.
SEON doesn't replace Fraud Detection Pro — it amplifies it. A single API call upstream enriches every decision with deeper context, improving accuracy without disrupting existing workflows.
SEON integrates in a single API call with a sub-200ms response time, ensuring zero latency impact on Checkout.com's payment authorization rates. No workflow disruption. No infrastructure overhaul.
+200 bps fraud detection accuracy improvement. 8x ROI achieved across the global user base.
32x ROI delivered. +190% improvement in multi-accounting detection — a pervasive fraud vector in payments.
Significant, measurable reduction in chargebacks — protecting revenue and preserving network standing.
Integrated in 5 days. Achieved an 87% drop in fraudulent transactions within the first deployment cycle.
This isn't a generic vendor pitch. SEON's architecture, coverage, and philosophy align with Checkout.com at every level.
Mirrors Checkout.com's developer-centric philosophy — built for engineers, by engineers.
Matching Checkout.com's 150+ currency footprint with localized signal intelligence across every major market.
Both SEON and Checkout.com are active MRC members — shared standards, shared mission.
Infrastructure designed to handle enterprise-grade transaction volumes without performance degradation.
SEON enriches Fraud Detection Pro — it doesn't duplicate or displace your existing investment.
Every risk score is fully explainable — critical for Checkout.com's merchant-facing trust and compliance obligations.
SEON's integration is designed to be fast, low-risk, and supported at every step by a dedicated technical team.
Sandbox access, API key provisioning, and initial integration testing against Checkout.com's transaction schema.
Custom rule configuration and signal tuning based on Checkout.com's specific fraud patterns and merchant verticals.
Parallel running alongside Fraud Detection Pro — validating enrichment accuracy with zero production risk.
Full production deployment with dedicated SEON integration support team on standby for rapid iteration.
SEON is ready to demonstrate exactly how our enrichment layer performs on Checkout.com's real transaction patterns. The next step is a focused, no-obligation proof of concept.
SEON runs against Checkout.com's actual fraud patterns — you see real signal lift before any commitment.
Schedule a 60-minute session with SEON's solutions engineering team to map the integration architecture in detail.
Senior stakeholder conversation to align on commercial structure, MRC co-positioning, and joint go-to-market potential.
📧 partnerships@seon.io | 🌐 seon.io | Ready to start? Let's talk this week.