Trusted by the Leaders in Online Payments and e-Commerce

Payment Fraud Protection
Without PII

Stop transaction fraud faster, without false positives. More than 60% of all major payment platforms, including banks and fintechs worldwide, use hCaptcha Enterprise to stop fraud, catching threats other tools miss without adding friction for legitimate customers.

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How It Works

Real-Time Detection

Get instant detection of the most sophisticated threats, no PII required. Custom threat models and easily interpretable results keep you in control.

Advanced Threat Signatures

Our novel privacy-preserving threat signatures operate with fully blinded data, letting you find bad actors with ease.

Tailored Protection

A powerful risk engine dynamically adjusts to your traffic, evolving to detect new attacks and letting you customize controls to meet your business needs.

Payment Fraud Prevention That Minimizes Loss and Increases Approvals

Your business faces evolving fraud challenges. Powered by leading-edge AI/ML, our Fraud Prevention Engine learns with almost no guidance and detects fraud in real time.
Find out how we stop fraud without user friction.
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Minimize Loss

As AI/ML leaders, we deliver an integrated solution to protect you against financial losses stemming from account takeovers, chargebacks, friendly fraud, and other threats.

Increase Approvals

Drive revenue growth with hCaptcha Enterprise Fraud Protection with smarter detection and no false positives. Avoid coarse rules that block real users with our powerful and easy to use AI.

E-commerce Fraud Prevention for
Merchants and Platforms

Privacy-Focused Fraud Defense

hCaptcha safeguards your organization while complying with evolving privacy laws around the world. Identify fraud before it occurs, without sharing sensitive customer data.
Fraud analysis interface showing transaction risk, fraud, similarity scores, anomalies, and similar users across a user journey.

Instant Protection

Deploy in minutes with our many pre-built integrations.
hCaptcha Fraud Protection is easy to implement.

Simply add two lines of code into your payment flows, then send blinded transaction data when you verify the user-supplied token. No PII required.

Real-Time Transaction Fraud Prevention

Safeguard your business from high risk transactions before they do harm. Detect and resolve a range of potential threats, including card testing, friendly fraud, chargebacks, and account takeover, ensuring safe but unusual transactions aren't unnecessarily blocked.

Enterprise Fraud Management Features

Maximize your revenue and increase approvals. Find out how our fraud prevention solutions can help your company.

Enterprise

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Fraud

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Global ML-based Transaction Risk Scoring
Fraud Insights Dashboard
Fraud-specific Custom ML Models and Risk Scores
Transaction-Specific Rules
Review of Transactions with After-the-Fact Updates
World-class ML-based bot protection
Supports Blinded Data
Rule-Based Scoring
Tailored Rules, Adjusted to Your Own Business Logic
GDPR, CCPA, and LGPD-friendly privacy policy
Maximize your revenue and increase approvals. Find how our fraud prevention solution can help your company.
Global ML-based Transaction Risk Scoring
Fraud
Fraud Insights Dashboard
Fraud
Fraud-specific Custom ML Models and Risk Scores
Fraud
Transaction-Specific Rules
Fraud
Review of Transactions with After-the-Fact Updates
Fraud
World-class ML-based bot protection
Fraud
Supports Blinded Data
Enterprise
Fraud
Rule-Based Scoring
Enterprise
Fraud
Tailored Rules, Adjusted to Your Own Business Logic
Enterprise
Fraud
GDPR, CCPA, and LGPD-friendly privacy policy
Enterprise
Fraud

Ready to take your next step towards security-success? Contact our sales team today and unlock a world of solutions.

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Frequently asked questions

What Is Payment Fraud Prevention Software?

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Payment fraud prevention software, also known as payment fraud protection, spots and blocks fraudulent transactions in real time. Without it, businesses absorb losses, fight chargebacks, and sometimes block good customers by mistake. hCaptcha's approach analyzes intent across the full session, using a Zero PII design that learns your traffic patterns.

What are fraud prevention tools?

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Fraud prevention tools are software systems used to detect and prevent payment fraud, catching fraudulent transactions or account takeovers before they cause financial harm. They typically combine rules, machine learning, and risk scoring to flag suspicious behavior in real time. Most businesses end up running several of these together rather than picking just one, since rules catch known patterns fast while machine learning picks up new ones nobody's written a rule for yet.

What is the best fraud prevention software for payments?

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The best fraud prevention software for payments depends on what your business needs most: real-time detection, low false positives, or privacy compliance. hCaptcha Fraud Protection focuses on all three, using ML that learns your traffic without requiring personal data. A business processing thousands of transactions an hour has different needs than one with occasional spikes in risky traffic, which is why the right choice usually comes down to how well the software adapts to your specific patterns.

What software do fraud analysts use?

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Fraud analysts typically use payment fraud detection software built around transaction review tools, rules engines, and insights dashboards that surface risk scores and flag patterns for investigation. hCaptcha provides all three in one platform, built specifically for payments and e-commerce traffic. Most of an analyst's day goes toward deciding which flagged transactions are worth a second look, so a risk score that explains its own reasoning saves as much time as the detection itself.

How does hCaptcha prevent payment fraud without PII?

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hCaptcha prevents payment fraud without PII by analyzing blinded transaction data instead of personal information. Custom threat models and risk scoring catch fraud without ever needing to see or store sensitive customer details.

What's the difference between fraud prevention and chargeback protection?

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Fraud prevention stops fraudulent transactions before they happen. Chargeback protection addresses disputes after a transaction has already been processed. hCaptcha focuses on prevention by catching fraud at the transaction stage, which also reduces chargebacks later, since a fraudulent charge that never completes does not turn into a dispute.

Does hCaptcha Fraud Protection work with our existing payment stack?

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Yes. There's no need to migrate your payment processor or rebuild checkout. The fraud check runs alongside your existing setup, and hCaptcha verifies blinded transaction data rather than requiring changes to how you collect customer information.