Fraud & risk
Score every order. Win the disputes that slip through.
A risk model reads hundreds of signals on each order and decides in milliseconds. Clean orders sail through, the rest get a step-up or a block, and when a chargeback lands we fight it and carry the loss.
Risk at a glance
last 90 daysDisputes won
fought for you
Fraud caught
before settlement
False positives
of clean orders, 0.4%
Illustrative sample data.
How an order is judged
Every order, scored before it settles.
Hundreds of signals collapse into one decision in under a second. The buyer never feels it.
Order placed
Cart, buyer, and payment captured
Signals gathered
Device, network, behavior, payment
Risk scored
Model weighs the signals together
Decision
Accept, step up, or block
The three outcomes
Most orders sail through. The rest get judgment.
Clean orders are accepted instantly. Ambiguous ones get a step-up like 3-D Secure rather than a hard wall. Only the clearly bad ones are blocked.
94%
Accepted
Cleared with no friction
5%
Stepped up
3-D Secure or review
1%
Blocked
Declined before settlement
Outcome shares are illustrative sample data.
When a dispute lands
We fight the chargeback, and carry the loss.
The disputes that slip past the model are ours to win. Four steps, none of them on your team.
- 01
Day 0
Chargeback filed
A bank disputes a settled order. It is filed against Nordgate, not your company, so the clock and the paperwork are ours.
- 02
Day 1 to 3
Evidence assembled
We pull the order, device, delivery, and prior-history signals into a representment package built for that issuer's reason code.
- 03
In review
Dispute represented
Our risk team submits the case and tracks it to resolution. You see the status, but you never touch the queue.
- 04
Resolved
Loss absorbed
When a dispute is not recoverable, Nordgate carries the loss. The chargeback never lands on your balance sheet.
Disputes won
fought and recovered
Represented in time
before the deadline
Liability on us
as merchant of record
Questions, answered.
Who carries the chargeback liability?
We do. As the merchant of record the dispute is filed against Nordgate, we represent it on your behalf, and we absorb the loss when it is not recoverable.
How fast is the scoring decision?
The model returns a decision in well under a second, so the buyer never waits. High-risk orders get a step-up like 3-D Secure rather than a hard block where the signal is ambiguous.
Will fraud rules block my real customers?
The model is tuned for a low false-positive rate and reviewed continuously against your own order patterns. You can also allow-list known buyers and set per-market sensitivity.
What signals does the model use?
Device, network, behavioral, and payment signals, plus cross-merchant patterns from the wider Nordgate network. No single signal decides an order; the model weighs them together.
Do I have to manage a review queue?
Only if you want to. Most sellers let our risk team work the review queue. You keep visibility into every decision and can override any of them.
Fraud & risk
Stop carrying the chargebacks.
Tell us about your order patterns. We will show how scoring and representment would change your loss rate.
Or reach us at sales@nordgate.financial