FUGU is the first fraud platform to decouple payment acceptance from payment verification — fighting fraud at every point of the transaction lifecycle, not just at checkout. Six solutions, one continuous risk engine.
ChatGPT, Claude, Gemini and other agents are beginning to shop on behalf of consumers. FUGU helps merchants distinguish trusted automation from emerging fraud patterns.
Industry research shows that many declined transactions belong to legitimate customers. FUGU helps merchants recover that revenue without increasing fraud exposure.
Risk shouldn't be frozen at checkout. FUGU continuously reassesses transactions as new signals emerge.
FUGU's hybrid guarantee model allows merchants to unlock additional revenue while reducing financial exposure from fraud-related chargebacks.
Offer advanced fraud prevention, KYC, and dispute management to your merchants through a single platform.
Identity abuse often begins during onboarding. FUGU helps businesses verify customers and establish trust from day one.
Most merchants start with one — usually Risk Scoring or Chargeback Guarantee — and expand as the results compound. Modular platform, performance-based pricing, short onboarding.
Contact us ↗Most fraud systems hand down a verdict in milliseconds and never look again. FUGU treats every transaction as a living case — scored at creation, monitored through fulfillment, and reassessed each time a new signal arrives.
Traditional systems approve or decline in the milliseconds before payment, then close the case forever. But the signals that matter most — behavior, delivery, disputes — only appear after.
~80% of declined orders were never fraud. When the only data you have fits in a 40-millisecond window, the safe move is to over-decline — and quietly hand revenue to your competitors.
Traditional systems force one decision at one moment: accept and verify, together, in milliseconds. FUGU was the first to pull them apart — so you can approve the payment instantly at checkout and keep verifying as long as the order is alive.
Every order travels four stages of analysis. As more signal arrives — from creation through delivery — the score moves with it.
Before payment is even authorized, FUGU reads session data, device fingerprint, IP and geolocation, and web interactions to classify the order into a risk scenario. Lorem ipsum dolor sit amet consectetur.
The moment a card clears isn't the end of the story — it's where the signal starts. FUGU collects behavioral evidence across the delivery window and re-scores high-value carts before they ship. Lorem ipsum dolor sit amet.
Every business has a different fraud signature. Risk scenarios are customizable buckets you can adjust by season, sales channel or customer segment — so verification fires only when it's worth the friction. Lorem ipsum dolor sit amet consectetur adipiscing.
Theradome started with FUGU just two weeks before Black Friday. Inside one month, declined orders dropped sharply and revenue grew by 13% — entirely from orders the previous system would have rejected.
Run a 30-day pilot alongside your existing solution. We'll analyze live transactions, uncover hidden revenue opportunities, and show exactly where better decisions can be made.
Contact us ↗AI-based, continuous fraud analysis across the entire user lifetime — built for modern agentic e-commerce. Identity, intent and behavior, scored from pre-registration onward. Partnered with Telesign.
Modern fraud doesn't show up as a single bad event at signup. It hides in lifecycle patterns — exploiting marketing spend, CAC and growth incentives.
Modern fraud exploits marketing spend, CAC and growth incentives — economic distortion, not just theft.
Legacy tools check at signup or payment. Modern fraud hides in lifecycle patterns, not single events.
Analyze identity, intent and behavior continuously over the user lifetime — not static snapshots.
Protected CAC ROI, aligned promo costs, and fraud prevention that becomes a growth lever, not a cost centre.
Before, during, and long after signup — one continuous risk score that follows the user, not the moment.
Static checks verify only at signup — leaving blind spots on cross-account behavior, premature declines, and no feedback loop. The attack is spread across accounts, devices and time.
One initial check, then a score that never stops learning: Identity check → Classify to your risk appetite → Monitor → Reassess whenever a new signal appears. 200+ data points across 3 categories and 10 time-sensitive models.
Enriching identity checks with continuous account monitoring unlocks both higher conversion and stronger protection — extending verification past registration instead of forcing a trade-off between the two.
Run a 30-day pilot alongside your existing solution. We'll analyze live transactions, uncover hidden revenue opportunities, and show exactly where better decisions can be made.
Contact us ↗A modular risk layer payment providers run internally to cut their own exposure — or resell to merchants as a value-added service. Same platform, two revenue paths.
Internal fraud infrastructure is expensive and still competes with the vendors merchants bring in anyway. Standing still means watching them leave for better-tooled processors. There's a third path.
Risk engines, data networks, ML teams, regulatory expertise. Years and millions — and you're still playing catch-up with best-of-breed vendors.
Merchants churn to processors that bundle better fraud tooling. Lost volume, lost stickiness, and no answer when they ask what you offer.
Deploy what you need today, light up more later. Lower your own exposure and open a new revenue line — from one platform, no re-platforming.
The decoupling architecture means you can surface exactly the capabilities you want — for your own book, for your merchants, or both.
Run FUGU as internal infrastructure to lower your own chargeback exposure across the entire book — without ever surfacing it to merchants.
Package FUGU as a value-added service merchants pay for through their existing relationship with you. White-label or co-branded, your margin.
FUGU integrates directly with major card networks and reinsurers — and there's an active incentive currently available for PSP adopters.
Talk to our PSP team↗Start with risk scoring, add verification, layer in the chargeback guarantee — the decoupling architecture means new capabilities light up without re-platforming anything.
For PSPs across multiple regions or verticals, FUGU becomes a competitive moat. Merchants get enterprise-grade protection through their existing processor; the PSP gets a new revenue stream and lowers its own chargeback exposure simultaneously.
Run a 30-day pilot alongside your existing solution. We'll analyze live transactions, uncover hidden revenue opportunities, and show exactly where better decisions can be made.
Contact us ↗A hybrid chargeback guarantee with the highest approval rate in the market, backed by real money — and reinsured by Munich Re. We approve more, cover the chargebacks ourselves, and pay you back immediately.
Low approval rates, slow reimbursement, and “guaranteed” categories that exclude the high-risk cases where coverage matters most.
FUGU validates each transaction all the way to shipment — so we don’t have to over-decline to manage our own exposure. We approve more, and back it with real money.
When a dispute lands, FUGU absorbs it — no evidence to compile, no rebuttals to write. Every customer interaction was logged across the order’s lifecycle, ready to serve as proof.
The whole program is reinsured by Munich Re, one of the world’s largest reinsurance groups — institutional-grade protection behind every guaranteed transaction.
See if you qualify↗Full coverage on everything, or selective coverage on the borderline cases that keep you up at night. You set the policy — FUGU carries the liability.
JD Sports, flooded with chargebacks on high-demand items, brought in FUGU’s multi-tier protection: full coverage against fraud, friendly fraud, wardrobing and return abuse — without a hit to conversion rates — alongside 86% revenue growth in protected categories.
Run a 30-day pilot alongside your existing solution. We'll analyze live transactions, uncover hidden revenue opportunities, and show exactly where better decisions can be made.
Contact us ↗ChatGPT checks out. Operator browses and buys. FUGU tells trusted automation apart from emerging fraud — by judging the transaction, not whether a human clicked.
Too fast, too consistent, no mouse jitter. Bot detection blocks legitimate AI-driven purchases and behavioral scoring rejects real revenue — because the model was trained on a world that no longer exists.
FUGU doesn’t care whether a transaction came from a human or an agent. It cares whether the payment is legitimate and whether the order will deliver value — judged across the full lifecycle.
Agentic commerce is projected to grow from near-zero to roughly 20% of online checkouts within five years. Merchants without an agent-aware strategy face a binary choice: block everything new, or accept everything new.
FUGU was built for a world where the buyer might not be human. Accept the legitimate agent purchase, catch the actual fraud — no matter how the order got placed.
As agentic commerce grows from 0% to a projected 20% of online checkouts within five years, merchants without an agent-aware strategy face a binary choice: block everything new, or accept everything new. FUGU gives them a third option.
Run a 30-day pilot alongside your existing solution. We'll analyze live transactions, uncover hidden revenue opportunities, and show exactly where better decisions can be made.
Contact us ↗Roughly 80% of orders blocked by fraud systems are legitimate — an estimated $300B left on the table every year. FUGU recovers them without adding fraud exposure.
Traditional systems make a single binary decision at checkout, with limited information. Anything unfamiliar — a new device, an unusual address, a foreign card — tips the score toward decline. The customer doesn't get a second chance.
~$300B in legitimate revenue is left behind across global ecommerce every year.
FUGU's decoupling approach accepts the payment, then keeps analyzing. Sensors collect post-purchase signals, verification handles edge cases without friction, and the score re-evaluates as evidence arrives.
By the time an order needs to ship, FUGU has dramatically more context than any checkout-only decision could provide — and uses it to reverse declines that would have been final under any other system.
One Project, carrying global brands like Adidas and Alo Yoga, had been declining orders Shopify marked suspicious. With FUGU layered on top they recovered 91.7% of previously declined orders with zero chargeback exposure. Same risk policy, dramatically more revenue.
Run a 30-day pilot alongside your existing solution. We'll analyze live transactions, uncover hidden revenue opportunities, and show exactly where better decisions can be made.
Contact us ↗Every industry has its own fraud signature. Fashion deals with wardrobing. Crypto deals with first-party fraud. Travel deals with last-minute disputes. FUGU adapts to all of them through the same continuous risk engine — without forcing your team to re-learn the platform.
Every business faces unique fraud challenges. FUGU's risk engine adapts to your business model, customer behavior, and transaction patterns.
Contact us →Before the internet, Grandpa Moshe never turned customers away. Trust was built in person, over time. Today's online merchants face a harder version of that same question — and most fraud systems answer it badly. FUGU rebuilt the answer from scratch.
Growing competition and rising online traffic costs forced merchants to adopt frictionless checkout experiences — limiting their ability to verify transactions before payment. The result: a generation of fraud tools built to make snap decisions in milliseconds, declining anything that smelled unfamiliar.
The rise of advanced fraud types — synthetic identities, friendly fraud, account takeover — exposed the limits of that approach. These patterns are simply undetectable at the payment phase. They reveal themselves only after.
So we asked the obvious question: what if you could keep watching? What if the fraud decision didn't have to end at checkout? FUGU is the answer — the first continuous, post-payment fraud mitigation architecture, designed to fight for every legitimate transaction, not against it.
From product roadmap to customer onboarding, these are the convictions we keep coming back to.
Saying no is easy. Saying yes responsibly is the work. We default to finding the path that keeps revenue moving and trust intact.
A fraud signal at checkout is one frame of a longer narrative. We listen to the whole transaction lifecycle before we make conclusions.
Fraud teams shouldn't have to learn five tools to do one job. Every feature we ship has to make merchant operations simpler, not just more sophisticated.
Performance-based pricing only works if we show our work. We're transparent about what we caught, what we missed, and what we recovered.
We hire curious people who love solving hard problems across fraud, payments, AI, and commerce.
We're always looking for talented people who want to work on hard problems in payments and fraud. If you think you'd add something to the team, send us your story — we read every message.
Contact us →Whether you're a merchant, a payment partner, or someone who wants to work with us — we'd rather talk than email. 30-minute call, no slides.
Contact us ↗Analysis, case studies, fraud trends, AI-driven shopping behavior, and lessons from the businesses shaping online commerce.
Real merchants. Real performance. Real revenue impact. Click any story to read the full breakdown.
One email per week covering emerging fraud trends, AI-driven shopping, customer stories, and practical insights from the FUGU team.
Contact us ↗If you're seeing fraud patterns or compliance shifts that deserve their own breakdown — tell us. Some of our best Insider pieces started as a single screenshot from a merchant.
Contact us ↗Our risk specialist will get in touch soon.