Riskified (RSKD)

Riskified is best known for its Chargeback Guarantee product. Under this model, the company screens transactions and gives merchants an approve-or-decline decision. When Riskified approves an order covered by the guarantee, it assumes the qualifying fraud chargeback risk, aligning its economics with the merchant’s ability to accept more valid transactions. This approach is designed to reduce the need for rigid rules that can incorrectly reject good customers, a problem often referred to as false declines.

The company also offers complementary products that address adjacent e-commerce risks. Policy Protect helps merchants enforce terms and conditions around issues such as promotions, refunds, and resellers. Dispute Resolve supports the management of chargeback disputes, while Account Secure focuses on account takeover and login-related threats. Together, these tools position Riskified as a broader risk intelligence provider rather than a single-point fraud filter.

Riskified works with merchants across regions including the United States, the rest of the Americas, Europe, the Middle East and Africa, and Asia-Pacific. Its market opportunity is tied to the continued growth of online retail, cross-border commerce, digital payments, and the need for merchants to balance fraud prevention with a smooth checkout experience.