ClearSale

Models score every order, but the differentiator the company sells is a review layer of more than 2,000 analysts drawing on twenty five years of fraud data. Without the models that operation would be slower and costlier and would still function.

A flagged order reaches a human analyst before any refusal, under a stated policy of never declining automatically, which puts a person ahead of the adverse decision rather than after it. Merchants do not manage fraud rules themselves, and no review turnaround, analyst authority or overturn rate is published.

A 99 percent accuracy service level makes performance a contractual term a customer can hold the vendor to, which few fraud vendors offer. No methodology, denominator or period accompanies the figure, and no validation report or false positive rate stands beside it.

Bloom reached a 99.8 percent approval rate, Motorola recovers $2.4 million a year from false declines and Samsonite holds chargebacks below 0.1 percent across fifteen countries, all named with figures. The customer count runs from 5,000 to 6,000 to more than 100,000 across three sources, a jump left unexplained.

Merchants' order flow builds a shared fraud asset, and nothing says whether a merchant can decline to contribute or what happens to its data on exit. Under Experian ownership, with Brazil running through a credit bureau, whether merchant transaction data can flow into bureau products is unaddressed.

A GDPR badge is the only privacy regime named, and no data processing addendum, transfer mechanism or subprocessor list is public. Flagged orders put named consumer records in front of human analysts, and nothing describes what they see or how that access is logged and retained.

Claims of PCI DSS compliance and of following ISO 27001 guidance stop short of certification, with no compliance level, attestation of compliance or registrar named. Home page badges for global compliance and secure design carry no artifact, and no SOC report or trust center appears.

Listed on Brazil's B3 exchange until Experian took it private on April 1, 2025, the company has since shed the audited disclosure that listing required, at an undisclosed price. No regulator appears as a counterparty, and no payments directive or transaction risk analysis regime is claimed.

Human analysts make the final call on flagged orders, so reviewer bias sits beside model bias, yet nothing documents review criteria, analyst calibration or consistency between reviewers. A 2022 initiative on inclusive fraud terminology changed the field's language rather than the models' behavior.

The chargeback guarantee covers the full cost of a fraud chargeback on any order the vendor approved, and dispute management extends to handling disputes end to end. A shopper refused was refused by a person who read the case, yet nothing published gives that shopper notice, the evidence or an appeal route.

Every external input is undisclosed, from data suppliers to cloud hosting and model providers. Experian, one of the large consumer data businesses, now owns the company, and whether its bureau data feeds the fraud models is disclosed nowhere.

More than eighteen native integrations include Shopify, Magento and BigCommerce, with a REST interface, developer documentation and one click installs that put most teams live within days. No payment gateway or acquirer connector is named, a gap for a vendor whose core product is a chargeback guarantee.

Hosted plugins and an interface are the only delivery, with no cloud provider, region or country of processing named across an explicitly multi jurisdiction operation. Analysts reading flagged consumer orders work from undisclosed locations, so a European or Latin American merchant cannot complete its own transfer assessment.

Growth plans with the chargeback guarantee start at $250 a month with no setup fees, priced on transaction volume and risk, and a second tier begins above 50,000 orders a month. A buyer learns the floor, metering basis and tier boundary before contact, but never the rate that applies at its own volume.

Online merchants are the only buyer type, served from startup to enterprise across verticals from electronics to marine and robotics. Reach across more than 160 countries, with a Brazilian operation through Serasa Experian and a Spanish language Latin American presence, gives regional depth without widening the buyer.