Kount 360 by Equifax
Kount 360 is the payment fraud and digital identity platform Equifax sells as Payments Fraud on Kount 360, alongside Authorized Payment Protection, Chargeback Prevention and Chargeback Recovery. It was built by Kount, founded in 2007 in Boise, Idaho, and acquired by Equifax in early 2021 for $640 million, and kount.com now redirects to Equifax's identity and fraud pages.
Its core asset is the Identity Trust Global Network, which Equifax described at acquisition as linking trust and fraud signals drawn from 32 billion digital interactions, 17 billion devices and five billion annual transactions across 200 countries and territories, resolved through machine learning and a patented device fingerprinting portfolio; the payments fraud page describes dual layer machine learning that analyzes device, IP address and location data against a global network of billions of data points, with the merchant's own policies deciding whether to accept, block or challenge.
Kount 360 covers payment fraud scoring for card not present transactions, account creation and account takeover protection, chargeback management including real time prevention built with Verifi, identity verification, and a regulatory compliance line that screens inquiries against global sanctions lists, United States government denied parties lists and politically exposed persons, with customer portfolios rescreened hourly and daily. It scores and decides but offers no chargeback guarantee, so the merchant retains the financial liability. Equifax consumer identity data is disclosed as an additional signal feeding the fraud models alongside the device network.
The Identity and Fraud Privacy Policy, updated April 2026, names Kount as controller of fraud prevention data, describes a data sharing arrangement across retail, telecommunications and financial services, keeps fraud prevention data for up to 15 years and stores personal data in the United States. Commerce integrations are named for Magento, Shopify, BigCommerce and Salesforce Commerce Cloud alongside a direct API, with a Kount app on the Shopify App Store since September 2022, and the developer and support sites still carry the Kount name.
Capability Axes
Capability grades
15 of 15 axes rated · 10 graded A or B
An identity trust network spanning 32 billion digital interactions and 17 billion devices grows more predictive as signals combine, with adaptive AI scoring high risk orders in real time on a patented device fingerprinting base. Without the models those device records could not be connected to one another.
Merchants set custom risk rules, receive real time alerts and can automate approvals, refunds and cancellations, keeping both the decision and its financial consequence. Defaults before configuration and any review or escalation path are not published.
Supervised and unsupervised machine learning are referenced, telling a reviewer what class of system runs. Accuracy, precision, false positive rates and validation reports are absent for every component.
eharmony cut chargebacks by 50 percent, per the product page, with no period or method, beside aggregates of up to 65 percent fewer false declines and approvals as high as 95 percent. Network scale figures also appear in the listed parent's acquisition announcement, a public disclosure.
Participating organizations in retail, telecommunications and financial services receive data contributed by others, so a device seen at one merchant shapes the verdict at another, and transfers within the Equifax group are allowed. Opting out of contribution, and whether merchant data reaches the parent's other products, are not addressed.
Updated April 2026, the Identity and Fraud Privacy Policy reaches the fraud services, names the business as controller and lists transaction, device and biometric data. Primary data is kept five years and fraud prevention data up to 15, with no subprocessor list beyond identity partners.
Security certifications, attestations and a trust center are absent under the product's own name, and the Shopify listing states none. Old kount.com pages now redirect to an Equifax page that does not mention the product.
Sanctions regimes, United States denied parties lists and politically exposed persons are screened, with hourly and daily rescreening and a managed review service. The parent's consumer reporting supervision attaches to the bureau business, not the fraud platform.
Bureau derived identity inputs are thinner for younger consumers and people with limited credit histories, which can carry into judgments about whether a purchase is legitimate. Error rates, fairness testing and model change approval are unpublished.
Someone declined on the strength of a network record can seek correction, erasure or restriction through Equifax's chief privacy officer in Atlanta or its European data protection officer. How a corrected record reaches other merchants who acted on it is not described.
Consumer identity data from Equifax feeds the fraud models beside the device network, and Incode, Mitek and Acuant are named identity verification partners supplying face geometry. Cloud and model providers are unnamed, and the sanctions list source is described only as global.
A Shopify App Store listing since September 2022 reads and edits store orders, installation is documented on developer.kount.com, and connectors cover Magento, BigCommerce and Salesforce Commerce Cloud. Real time chargeback prevention with Verifi, a Visa company, reaches the card network dispute rail.
Personal data is stored in the United States, with European transfers under the EU US Data Privacy Framework and standard contractual clauses. Region selection, dedicated tenancy and a named cloud provider are all missing.
Pricing depended on business goals and transaction volume, with a quote request as the route, and the Shopify app installs free with unlisted extra charges. Whether metering follows transactions screened, decisions or modules is not stated.
Ecommerce, banking and travel are addressed across account creation, payment authorization and disputes, with distribution through Equifax. Online merchants are the evidenced center of gravity, while the financial institution business is asserted rather than shown.
Product updates
Material product, regulatory, evidence and commercial changes at Kount 360 by Equifax, each verified against a live source and tagged to the capability axis it bears on. Funding rounds and awards are not product changes and are not logged.
Kount expanded its Email Verification Service model to take in login, new account opening, identity proofing and authorized payment protection events, merging data sets it used to evaluate separately into one global history for each email. As a result First Seen Date moves earlier for many emails, and Last Seen Date, Occurrence Count and Usage Score change too. Kount says existing risk scores and policies are unaffected.
Kount's 23 September release reworks Link Analysis in Payments Fraud, with color coded matching that shows which criteria each related order shares, address line 2 as a new linking criterion, and approve, decline, review and bulk decision actions directly from the table. Kount 360 also gains a Webhook History table listing sent webhooks by solution, event type and status, with retry for failed webhooks and test sends.
Compared With
Most editorial comparisons pair two vendors the index assesses as direct competitors for the same buyer. Some pair vendors that are adjacent rather than rival, where the useful question is where one ends and the other begins. Each carries a verdict, the buyer conditions that favor each vendor, and a graded side by side.
Alternatives to Kount 360 by Equifax
Vendors in the same categories as Kount 360 by Equifax whose profiles look most alike, each with a line on what the product does. Similar is not the same: check that each one does the job you need. No vendor pays for placement.
Coris supplies merchant risk infrastructure to the parties that underwrite merchants rather than to merchants themselves, covering software platforms with embedded payments, independent…
BioCatch analyzes how a person physically and cognitively interacts with online and mobile banking, covering typing cadence, navigation patterns, hesitation and signs of duress, and turns…
Refine Intelligence automates the customer outreach banks use to resolve fraud and AML alerts.
ACI Worldwide, listed on NASDAQ and headquartered in Elkhorn, Nebraska, is a real time electronic payments software company whose Payments Intelligence and Risk Management segment sells…
Fraud.net unifies fraud prevention, anti money laundering compliance and risk management on one platform for banks, credit unions, payment processors, acquirers, remittance companies…
Incognia answers the identity question with geography.
The index publishes no overall score or ranking. See what we assess and the methodology.
Pricing
Vendor-published figures are labeled as such. Figures labeled “Estimated” are derived from third-party sources and have not been confirmed by the vendor.
| Entry Price | Pricing Basis | Data Protection Terms | Implementation | Source |
|---|---|---|---|---|
|
Not published. Pricing depends on business goals and transaction volume and is quoted on request; the Shopify app is free to install with additional charges.
|
Quoted per customer, with transaction volume named as the principal driver alongside business goals. Nothing indicates whether the meter is transactions screened, decisions returned, seats, modules adopted or a combination, across the Kount 360 lines for payment fraud scoring, account protection, chargeback management, identity verification and regulatory compliance screening. The compliance line rescreens customer portfolios hourly and daily, a recurring workload with no stated price. Because Kount offers no chargeback guarantee and the merchant keeps the loss, the fee is a software price rather than an underwriting output. | Not tiered on any published pricing. Kount's Identity and Fraud Privacy Policy, updated April 2026, names Kount as controller of fraud prevention data, keeps that data for up to 15 years, stores personal data in the United States under the EU US Data Privacy Framework and standard contractual clauses, and routes requests to Equifax's chief privacy officer. No security certification or attestation is published under the Kount name. | No setup, onboarding, integration or professional services fee is published. Named connectors exist for Magento, Shopify, BigCommerce and Salesforce Commerce Cloud alongside a direct API. The managed compliance service, in which Kount analysts review screening threats for the customer, and the chargeback capability built with Verifi carry no published rate, and rules configuration is performed by the customer. | Vendor Published |
Kount publishes no figure as of 2 October 2026. Its pricing page stated that pricing depends on business goals and transaction volume among other factors and routed to a quote request, the kount.com pages now redirect to an Equifax identity and fraud page, and its Shopify app is free to install with additional charges that are not listed.
One directory estimates annual revenue for this business at $5 million, which cannot be reconciled with a $640 million acquisition, so third party commercial figures on Kount should be treated with care.