Forter
by Forter · Payment Fraud & Risk
AI identity-based fraud, payment optimization and dispute management platform for e-commerce.
Updated August 2026 · By the ERP Research Editorial Team · Independent and vendor-neutral.
- Works with
- ShopifySalesforce Commerce CloudAdobe Commerce
SAPStripe - Deployment
- Cloud
- Company size
- Mid-market, Enterprise
- Pricing
- Quote-based
- Founded
- 2013
- Headquarters
- New York, United States
Overview
Forter provides an identity-based decisioning platform for digital commerce, using an AI "Identity Graph" built from a network it reports spans 2 billion+ identities across 250,000+ storefronts to recognize legitimate customers and separate them from fraud in real time. The platform is organized around specialized AI agents (Analytics, Payments, Dispute, Abuse, Integration) that each automate a segment of the fraud and payments workflow.
Core products include Fraud Management (payment fraud and chargeback prevention), Payment Optimization (smart 3DS, PSD2 compliance, issuer optimization, tokenization to reduce checkout friction), Dispute Management (Ethoca/Verifi alert ingestion and automated chargeback representment), Account Protection (account takeover and fake-account detection), and Abuse Prevention (returns, promo, referral, and loyalty-program abuse). Forter Element is a version built for payment service providers to resell to their own merchant customers.
Forter serves large e-commerce and marketplace brands, including Adidas, ASICS, eBay, Grubhub, HelloFresh, Instacart, Nordstrom, and Wayfair, and integrates with major commerce and payments platforms including Shopify, Adobe Commerce, Salesforce Commerce Cloud, SAP, and Stripe.
Features & capabilities
Fraud Management
Real-time transaction fraud decisioning.
- Real-time identity, behavioral, device and payment signal analysis
- Decisions delivered in under 1 second (vendor-reported)
- Coverage across cards, digital wallets, BNPL, ACH, and gift cards
- Analytics Agent that assembles transaction context for investigators
- Chargeback prevention and false-decline reduction
Payment Optimization
Reducing checkout friction while maintaining compliance.
- Smart 3DS routing
- PSD2 / SCA compliance optimization
- Issuer-level approval-rate optimization
- Tokenization
Dispute Management
Automated chargeback alert handling and representment.
- Ethoca and Verifi early dispute alert ingestion
- Dispute Agent that identifies which chargebacks are worth fighting
- Automated, customized representment case-building
- Refund-vs-fight recommendations
- Dispute performance analytics and reporting
Account Protection & Abuse Prevention
Protecting accounts and policies from abuse.
- Account takeover (ATO) detection on high-risk account actions
- Fake-account and incentive-abuse detection
- Risk-based step-up authentication (avoids blanket MFA)
- Returns, promotion/coupon, referral, and loyalty-program abuse detection
- Abuse Agent that converts business policy into automated rules
Common use cases
- Approving legitimate e-commerce checkout transactions in real time while blocking payment fraud
- Reducing 3DS/SCA friction at checkout while staying PSD2-compliant
- Automating chargeback representment using Ethoca/Verifi alerts to recover disputed revenue
- Detecting account takeover attempts on login, password-reset, and loyalty-redemption flows
- Stopping coordinated returns, promo-code, and referral abuse across a customer base
- Payment service providers reselling fraud protection to their merchant customers via Forter Element
- Protecting marketplace and food-delivery platforms from fake-account and incentive fraud
Strengths & considerations
Strengths
- Identity Graph built from a shared network Forter reports at 2 billion+ identities across 250,000+ storefronts
- Agentic architecture (Analytics, Payments, Dispute, Abuse, Integration Agents) automating workflows beyond a single risk score
- Combines fraud, payment optimization, and dispute management on one platform rather than separate tools
- Forter reports average 72% chargeback reduction and 46% false-decline reduction across customers (vendor-stated)
- Chargeback coverage/guarantee offered on reviewed transactions via its Shopify app listing
ERP integrations
Official Shopify App Store listing; real-time fraud decisions, order auto-cancel, custom rules
Payment processor partnership
Pricing
Forter does not publish list pricing. Its Shopify app is free to install with fees based on API call/transaction volume, billed separately by Forter. Get an independent shortlist with pricing guidance below.
Technical & security
- Hosting
- SaaS (multi-tenant)
- Compliance
- SOC 2 Type II, PCI DSS Level 1, ISO/IEC 27001:2013, ISO/IEC 27701:2019, GDPR, CPRA
About the vendor
- Founded
- 2013
- Headquarters
- New York, United States
- Employees
- 501-1,000
- Ownership
- Private (venture-backed)
- Notable customers
- Adidas, ASICS, eBay, Grubhub, HelloFresh, Instacart, Nordstrom, Wayfair
Alternatives to Forter in Payment Fraud & Risk
Forter — frequently asked questions
What does Forter's Identity Graph do?
It is a shared network of identity, behavioral, device and payment signals that Forter reports covers 2 billion+ identities across 250,000+ storefronts, used to recognize legitimate customers and separate them from fraud at checkout and other touchpoints.
Does Forter integrate with Shopify?
Yes. Forter has an official Shopify App Store listing offering real-time fraud decisions, order auto-cancel, and custom rules; the app is free to install with fees based on transaction/API volume.
What other platforms does Forter integrate with?
Forter lists technology partnerships with Adobe Commerce, Salesforce Commerce Cloud, SAP, Wix, commercetools, and payment processors including Stripe and Checkout.com.
What products does Forter offer beyond fraud detection?
Beyond core Fraud Management, Forter sells Payment Optimization (3DS/PSD2 friction reduction), Dispute Management (automated chargeback representment), Account Protection (ATO and fake-account detection), and Abuse Prevention (returns/promo/referral abuse).
How is Forter priced?
Forter does not publish pricing publicly; engagement is quote-based and typically tied to transaction or API call volume.
Evaluating Payment Fraud & Risk?
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