MANAGED FRAUD REVIEW FOR E-COMMERCE
ribbonPay screens your orders and returns a clear SHIP or CANCEL decision, so your team can fulfill faster without performing manual review in-house or paying for costly guarantee coverage on every approved order.
No setup fee. No long-term contract. Keep your current merchant account, gateway, and fraud tools during the pilot.
Synthetic merchant-order detail showing the returned decision and review timeline without exposing customer data.
THE HIDDEN COST OF MANUAL FRAUD REVIEW
It also consumes staff time, slows fulfillment, creates customer friction, and causes legitimate orders to be canceled when the evidence is unclear.
Suspicious orders pull operations and fulfillment employees away from their regular work. They have to gather signals, contact customers, debate the risk, and accept responsibility for the final decision.
Automated tools often handle uncertainty by declining it. Unusual but legitimate customers can be lost because no one reviewed the full order picture before the order was stopped.
Guarantee providers can reimburse eligible fraud losses, but you generally pay percentage-based coverage fees across all sales. Many growing merchants need better decisions and managed review more than they need insurance on every order.
WHAT RIBBONPAY DOES DIFFERENTLY
ribbonPay owns the review workflow and gives your team a clear operating instruction.
| Typical fraud solution | ribbonPay Managed Fraud Review |
|---|---|
| Typical modelProvides a score, warning, or recommendation to interpret | Managed modelReturns one clear decision: SHIP or CANCEL |
| Typical modelLeaves questionable orders for your employees to review | Managed modelHandles screening and customer verification for you |
| Typical modelApplies broad rules that may block unusual legitimate customers | Managed modelUses the full order picture and your store-specific patterns |
| Typical modelOptimizes primarily for stopping risk | Managed modelBalances fraud prevention with approving legitimate orders |
| Typical modelCharges for software access or percentage-based guarantee coverage | Managed modelUses transparent flat monthly managed-service pricing |
We map normal customers, products, order patterns, and outcomes for your business.
Store-level context becomes decision rules tailored to your operation.
Clear rule matches automatically return SHIP or CANCEL without entering a manual queue.
Orders that need judgment go to trained ribbonPay analysts for the final decision.
The workspace organizes order, payment, identity, address, device, history, and risk signals so analysts can evaluate the full order picture without switching between disconnected tools.
Automated scanners and AI-assisted summaries organize available evidence, helping analysts work quickly and consistently without exposing internal prompts, rule weights, or thresholds.
Technology supports the review. Trained analysts oversee the process and make the final decision when an order requires judgment.
HOW IT WORKS
01
After checkout, ribbonPay receives the customer, order, payment-response, address, product, and other available data needed for review. The service works after checkout and before fulfillment.
02
Automated scanners evaluate available payment, customer, order, address, device, history, and behavioral signals and surface the information that matters.
03
Merchant-specific rules can decision clear cases immediately. Orders that require judgment enter the ribbonPay analyst workflow for review.
04
The final decision is sent back to your store, such as Shopify or WooCommerce. Depending on your preferred setup, ribbonPay can simply update the order with the decision, or take the next step automatically: capturing payment on approved orders and voiding payment on canceled orders.
INTEGRATIONS
Supported platform
Supported platform
Supported platform
Supported platform
Custom integration path
Don’t see your platform? Let us know and we’ll build the integration!
DECISIONING HOURS AND TURNAROUND
When an order matches an active merchant-specific decisioning rule, ribbonPay returns the rule’s decision immediately – at any hour, on any day.
Analysts are available from 5:00 AM to 5:00 PM Pacific Time, seven days a week, 365 days a year. Weekends and holidays are included.
Standard manual reviews are typically decisioned within one hour of receipt.
Manual reviews received after 5:00 PM and before 5:00 AM Pacific are decisioned by 8:00 AM Pacific the following morning.
The small number of orders requiring further investigation are decisioned within 48 hours of receipt.
The order remains PENDING and moves to the highest review priority. ribbonPay does not approve or cancel an order solely because time has elapsed. The order remains on hold pending a final decision or merchant instruction.
These standards apply to order decisioning. General ribbonPay customer-service hours are Monday–Friday, 8:00 AM–5:00 PM Pacific Time.
SIMPLE PRICING
No per-order fee. No percentage of sales. One fixed monthly fee based on order volume.
$0 for 90 days
Pilot
$299/month
Up to 500 orders
$499/month
Up to 1,000 orders
$899/month
Up to 2,000 orders
Custom
More than 2,000 orders
90-DAY NO-COST PILOT
Run ribbonPay alongside your current process for 90 days. Keep your existing cart, gateway, merchant account, fraud tools, and fulfillment workflow while ribbonPay learns your store and you compare the results.
COMMON QUESTIONS
No. ribbonPay provides managed fraud review and order decisions. It does not provide a financial fraud guarantee or reimburse fraud-related chargebacks. The service is designed for merchants that want stronger decisions and a fully managed review workflow without paying percentage-based guarantee coverage on every approved order.
No. AI-assisted summaries and automated scanners help organize and surface relevant signals, but trained analysts oversee the process and make the final decision. The service combines technology, human judgment, e-commerce fraud experience, and merchant-specific learning.
Merchant-specific rule matches can return immediately. Standard manual reviews received during analyst coverage are typically decisioned within one hour, after-hours reviews are decisioned by 8:00 AM Pacific the following morning, and complex escalations follow the published 48-hour standard.
No. Managed Fraud Review is available as a standalone service. You can keep their current shopping cart, gateway, and merchant account.
Managed Fraud Review supports Shopify, WooCommerce, BigCommerce, Magento / Adobe Commerce, OpenCart, and custom carts through direct API. Additional integrations may be built on request.
The service uses the customer, order, billing and shipping, product, IP or device, payment-response, and other available data needed to evaluate the order.
Most decisions do not require customer contact. When verification is needed, ribbonPay follows the customer-contact process agreed upon during onboarding.
Timing depends on your platform and access. Existing supported integrations can be configured quickly; custom integrations require a short technical review before a launch date is confirmed.
Start with a 90-day no-cost pilot and compare ribbonPay against your current process using your real orders and operating costs.
