chargeback prevention api
Chargeback prevention API for high-risk checkout
Coming soonVerify a buyer with blended IP, email, behavior, and velocity signals and get an allow, review, or block decision before you capture the payment.
The problem
By the time a chargeback lands, the order is already gone
Chargebacks land weeks after checkout, by which time the product has shipped and the fee and dispute are yours to eat. By the time your processor flags a card as fraud, the order is already gone.
How it works
Send the buyer, blend the signals, act on the decision
One POST before you capture the payment — FormShield fuses IP, email, behavior, and velocity into a single calibrated score and an allow / review / block decision.
Send buyer details at checkout
POST the buyer's email, IP, order amount, and any FormShield beacon token to /v1/commerce/verify before you authorize or capture the payment. No PII beyond what you already collect at checkout is required.
FormShield blends the signals
One call fuses IP reputation (datacenter, VPN, proxy, residential proxy), email reputation (disposable, domain age, deliverability), behavioral telemetry from the beacon, and velocity across recent orders into a single calibrated risk score.
Act on the decision
You get a 0.0–1.0 score and an allow, review, or block decision, plus the per-signal breakdown. Allow clean buyers through, route the gray zone to manual review or step-up verification, and block the obvious fraud before it costs you a chargeback.
What you get
Four signals fused into one buyer decision
Commerce Protection blends IP reputation, email reputation, on-page behavior, and order velocity into a single calibrated score with a per-signal breakdown, so you tune your own thresholds instead of wiring four vendors together.
IP reputation
Flags datacenter, VPN, proxy, Tor, and residential-proxy traffic via our own ipatlas data, plus ASN and geo so you can catch a buyer hiding their real origin or mismatching their billing country.
Email reputation
Disposable-domain detection, domain age, MX and deliverability checks, and host detection. Brand-new throwaway addresses on a fresh order are a common chargeback tell.
Behavior and velocity
When the FormShield beacon is on your checkout, it adds behavioral signals (typed vs pasted vs autofilled fields, automation tells) and counts repeat orders from the same buyer, card, IP, or device across a short window.
One blended decision
The signals fuse into a single calibrated score and an allow / review / block decision with a per-signal breakdown, so you can tune your own thresholds instead of wiring four vendors together yourself.
The call
One verify in, a scored decision out
A buyer on a VPN with a disposable email, mostly pasted fields, and six orders across four cards in 24 hours returns block with a 0.81 score and the per-signal breakdown. The endpoint shape is in development — final fields may change.
curl -X POST https://api.formshield.dev/v1/commerce/verify \
-H "Authorization: Bearer YOUR_API_KEY" \
-H "Content-Type: application/json" \
-d '{
"order_id": "ord_5821",
"amount": 249.00,
"currency": "USD",
"buyer": {
"email": "buyer@example.com",
"ip": "203.0.113.42"
}
}'
Commerce Protection is in development behind POST /v1/commerce/verify. Join the waitlist to get early access and the final request schema.
FAQ
Common questions
Commerce Protection is coming soon. When it ships, you make one POST to /v1/commerce/verify with the buyer's email, IP, and order amount before you capture the payment, then act on the allow, review, or block decision it returns. Join the waitlist to get early access and the final request schema.
Your processor scores the card and the transaction. Commerce Protection blends signals your processor doesn't see — IP reputation, email reputation, on-page behavior from the FormShield beacon, and order velocity — into one decision, so you can stop a fraudulent order before it ever reaches authorization.
Each call to /v1/commerce/verify costs 30 credits and is metered like every other FormShield endpoint. The product is not live yet; it's in waitlist. Join the waitlist for launch updates and pricing.
Stop fighting spam by hand
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