From merchant to issuer: Closing visibility gaps and catching fraud sooner in payment flows

Coordinated payment fraud can exploit disconnected data across checkout, onboarding, account access, authentication, and payout systems, while overly broad fraud controls can create false positives and disrupt legitimate customers. The report argues that persistent device intelligence can link activity from the same device despite changing cards, credentials, identities, cookies, private browsing, or VPN use, helping providers identify patterns such as card testing, synthetic merchant onboarding, account takeover, session hijacking, payment fraud, and chargeback abuse. It distinguishes merchant-side priorities, including protecting merchant portfolios and reducing fraudulent approvals, from issuer-side priorities such as preventing unauthorized cardholder access and transaction losses, while suggesting that shared device context can support different teams’ existing decision rules. Recommended approaches include breaking down data silos, using device-linked history and velocity signals to make earlier, targeted interventions, and integrating device intelligence as an additional input rather than replacing existing fraud systems. Fingerprint, the report’s sponsor, states that its technology can help providers reduce fraud exposure and friction by enabling more precise challenges, reviews, or blocks based on connected risk signals.

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