Merchants lose good customers to fraud defenses
Why 73% of Your Declined Orders Are Actually Good Customers
False declines can suppress growth just as fraud prevention protects revenue, making approval decisions a central commerce tradeoff.
- 1Fraud now reaches beyond checkout, encompassing card testing, account takeover, loyalty theft, and return abuse.
- 2Shopify’s native protections may suit smaller merchants, while larger or international businesses often need broader fraud coverage.
- 3Signifyd combines guaranteed fraud decisions with rapid Shopify onboarding to help merchants raise approvals without absorbing covered chargeback liability.
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Nicole Jass explains why AI shopping agents create a new fraud problem: merchants must separate malicious bots from legitimate automated buyers.
The brief
Nicole Jass of Signifyd frames e-commerce fraud as a two-sided problem: stop chargebacks without rejecting legitimate customers whose purchases could drive growth.
The threat extends from card testing and stolen payment data to account takeover, fake accounts, loyalty theft, and return abuse across the customer journey.
Shopify Protect may cover eligible orders, but merchants with greater scale, complexity, or international exposure may need specialized decisioning beyond native tools.
The conversation’s sharpest turn comes with AI shopping agents: merchants must distinguish malicious automation from legitimate bots that may soon initiate purchases.
Signifyd’s pitch is operational as well as technical: install through Shopify, test on existing traffic, and use guaranteed decisions to manage covered fraud liability.