Spend Less. Review Less. Approve More.
ribbonPay screens your orders and returns a clear SHIP or CANCEL decision, so your team can fulfill faster without relying on costly guarantee coverage or doing manual review in-house.
Some fraud tools decline too many borderline orders. Manual review creates the opposite problem: your team spends time on fraud decisions instead of fulfillment. ribbonPay gives you a cleaner middle path. We combine current fraud trends, AI, merchant-specific rules, dozens of order signals, and human review for the edge cases - so you can reduce fraud and recover more good orders - without lifting a finger.
No contracts. No setup fees. 90-day no-cost pilot.
Built to recover good orders - not insure every order
Guarantee services can be useful when you need full chargeback reimbursement. But that protection often comes with higher fees and more conservative decisions. ribbonPay focuses on what most growing merchants actually need: better order decisions, fewer unnecessary cancellations, no review work, and less customer friction.
Lower cost by design
You are not paying a percentage of every sale for insurance-style coverage you may not need. ribbonPay uses flat monthly pricing based on order volume, giving you a clearer, lower-friction way to manage fraud review without bloated protection fees.
More orders get approved
Guarantee solutions often play it safe on borderline orders. ribbonPay reviews the full risk picture - customer, payment, address, device, history, store patterns, and human review - to help more legitimate orders get approved.
Still fully managed
You do not have to choose between an expensive protection layer and making your own team review orders. ribbonPay handles the screening, applies merchant-specific rules, reviews edge cases, and sends back one clear decision.
Fraud review is not just about chargebacks
It also costs time, labor, good orders, and customer trust
Good orders you accidentally cancel
A large order comes in. Something looks off. You are worried about a chargeback, so your team asks the customer to pay by wire or another safer method. The customer refuses, the order disappears, and by the time you realize it may have been legitimate, it is too late to save the sale or the relationship.
The same thing can happen when strict fraud tools cancel good orders quietly, without anyone on your team noticing.
Customer friction and fulfillment delays
A fraud tool flags an order, but no one is sure whether it is real. Your team reaches out for verification, waits for a response, and misses the same-day shipping window.
Sometimes the customer never replies. Sometimes they do, but they are annoyed that the store they just bought from is now interrogating them. Either way, the experience suffers.
Fraud patterns keep changing
Fraudsters do not keep using the same playbook. They test stores, change tactics, and come back when they find a weakness.
If no one owns your fraud process, your staff ends up reacting after the fact, relearning the warning signs, and trying to keep up while still doing their regular jobs.
Most fraud tools make you own the final decision
ribbonPay owns the decision for you
Your team stops managing fraud and starts working from clear decisions
Instead of giving your team another score, dashboard, or rule set to manage, ribbonPay turns fraud review into a simple operating workflow: order in, decision out, team ships.
No heavy lift. No new dashboard to manage
Your system sends us the order
After an order is placed, ribbonPay fetches the order details your store already collects: customer information, order value, billing and shipping details, payment response data, and product details. Because we work after checkout and before fulfillment, there is no change to your website, checkout flow, or customer and staff experience.
We screen the order like an expert would
ribbonPay checks the full order picture: customer history, billing and shipping details, IP location, device clues, payment responses, product risk, and repeated patterns. AI helps organize and summarize what matters. Human review guides the process, especially during the pilot while we learn your store.
We return the decision
Your system receives one clear status: SHIP or CANCEL. Approved orders move forward. Canceled orders are stopped. Pending orders are handled by ribbonPay until a final decision can be made.
Your team keeps shipping
Your fulfillment team works from the decision instead of doing the investigation. They ship the orders that should ship and stop the orders that should not, without becoming fraud experts.
Simple reporting, without another tool to manage
The merchant dashboard is for visibility, not homework. You can see what ribbonPay is doing without tuning settings, studying scores, or managing rules.
Try it for 90 days
Decide with real data, not a sales pitch
Built for non-enterprise merchants
ribbonPay is built for small and mid-sized ecommerce merchants that do not have time to review every suspicious order, train staff on fraud, or pay for expensive chargeback coverage they may not need.
No setup fee. No contract. No disruption to your current fulfillment flow.What you get
- Full fraud decisioning on your orders.
- A dedicated learning period with a human analyst.
- Instant to same-day decisions during business hours.
- Service-backed review, not just a score.
- Parallel comparison against your current system.
- Monthly performance reports.
What ribbonPay needs
- Current approval and cancellation process.
- Recent fraud losses or chargebacks, if available.
- Average order value and monthly order volume.
- Manual review volume.
- Customer verification frequency.
- Current fraud tools and estimated monthly cost.
Pilot metrics to compare
- Approval rate.
- Fraud rate on approved orders.
- Orders manually reviewed.
- Customer contacts or verification attempts.
- Orders canceled or declined.
- Estimated review hours saved.
- Total fraud plus operational cost compared with your current setup.
Fully managed fraud review without enterprise pricing
No per-order fees. No percentage of sales. One fixed monthly fee based on order volume.
$0 for 90 days
Run ribbonPay alongside your current setup. Includes screening, analyst learning, decisions, and monthly results reporting.
$299/month
Up to 500 orders per month. Built for lower-volume stores that want to stop handling fraud review internally.
$499/month
Up to 1,000 orders per month. Best for growing stores with regular fraud review needs.
$899/month
Up to 2,000 orders per month. Built for higher-volume stores that need managed review without enterprise pricing.
Custom pricing
For merchants with more than 2,000 monthly orders, unusual risk pressure, or special operational needs.
No setup fees. No long-term contracts.
Questions merchants usually ask before starting
How does ribbonPay know whether an order is fraud?
We look at the whole order, not just one score. That includes customer history, billing and shipping details, IP location, device clues, payment response data, product risk, shipping behavior, and patterns across your recent orders. During the pilot, a human analyst closely reviews your orders and builds a practical understanding of what normal and risky orders look like for your store.
Is this just AI?
No. AI helps organize and summarize the order details, but ribbonPay is not a black-box AI tool. The difference is the combination of human judgment, ecommerce fraud experience, store learning, and a system that gets trained around what we see in your orders.
Will this slow down fulfillment?
Most orders are approved instantly. Orders that need a closer look are reviewed within business hours. If your team is manually reviewing orders today, ribbonPay should reduce delays because the review work moves off your team and into a dedicated workflow.
Do we need to replace our current system?
No. Your shopping cart, payment gateway, merchant account, shipping software, and current fraud tools can stay in place during the pilot. The goal is to run ribbonPay alongside your current setup first, compare outcomes, and only make changes once the data supports it.
What platforms do you support?
We can work with order data from most ecommerce systems, including WooCommerce, Adobe Commerce, custom carts, gateways like Authorize.net, and shipping platforms like ShipStation. If your system can send order details by API, webhook, export, or another workable method, we can usually find a way to connect.
What data do you need?
After a customer places an order, ribbonPay needs the order details required to review it properly: customer name, email, phone if available, billing and shipping address, order value, product details, IP address, device information if available, and payment response details like AVS and CVV results.
Will you contact our customers?
Most decisions do not require customer contact. When verification is needed, ribbonPay handles it carefully and only within the process agreed upon during onboarding. The goal is to protect the customer experience while preventing fraud orders from slipping through.
What do I see?
You see a clear SHIP or CANCEL decision on each order, plus reporting on approvals, cancellations, review volume, customer outreach, and overall performance. You do not need to study risk scores or manage fraud settings.
How fast can we start?
Typically, we can start as soon as we have a practical way to receive order details from your system. We can work through API, webhook, export, or a custom connection depending on your setup.
Trusted by growing businesses that rely on smooth online payments
Before building this service, ribbonPay spent years helping merchants with payment processing, gateways, chargebacks, suspicious orders, and the everyday problems that slow down fulfillment. This managed fraud review service comes from that hands-on experience to help you approve more good orders, reduce fraud, and keep the order decisioning work off your team.
You may be canceling good orders right now
Every borderline order that gets declined too quickly is revenue you never recover. Every order your team has to review is time pulled away from fulfillment. ribbonPay helps you find the better middle path: approve more legit orders, reduce risky ones, and keep the review work off your team.
No contracts. No setup fees. No obligation. Just 90 days to see what you may be missing.