NoFraud
NoFraud sells full service ecommerce fraud screening to small and mid sized merchants, with a Shopify centered distribution model and commercial terms a merchant can test without paying. Orders are screened in milliseconds and returned as a binary pass or fail decision, drawing on merchant specific data, persona tracking, global blocklists, device fingerprinting, geolocation and velocity signals. Fewer than half a percent of orders are held for human review, so the analyst team handles an exception tail rather than the volume. Analyst heavy competitors work the other way around. Two mechanisms extend the decision past the model.
Merchants can write custom rules and overrides, which several competitors do not permit. For a limited set of high risk orders, the company also operates Cardholder Verification, where an analyst contacts the cardholder directly to confirm the order is legitimate before it is refused. That brings the affected consumer into the decision, which fraud screening rarely does. An optional chargeback guarantee covers the full cost on passed orders. Its scope is published and limited to unauthorized or fraudulent card use, and non fraud disputes are handled by a separate Chargeback Management service alongside dispute representment.
Screening covers card not present orders across cards, PayPal, Apple Pay, Alipay and Amazon Pay. The company publishes a free plan for up to 100 screened orders a month, charges no setup fees and bills only on approved orders. Above a stated threshold of $50,000 of monthly revenue, pricing becomes custom. Published customer results include Obvi at a 1.6 percent revenue lift with chargebacks down 70 percent, and Caraway halving fraud while gaining $68,000 in monthly revenue.
Capability Axes
Capability grades
15 of 15 axes rated · 6 graded A or B
Fewer than half a percent of orders are held for analysts, and the rest get a pass or fail in milliseconds, so the models make the decision and people handle an exception tail. Without them nothing decides the other 99.5 percent, and no analyst capacity comes close to absorbing it.
Merchants write custom rules and overrides, analysts review the ambiguous tail, and for some high risk orders Cardholder Verification asks the shopper to confirm before any refusal. The bulk of decisions are automated binary passes or fails, with no published review turnaround, analyst authority or overturn rate.
Two customer outcomes describe revenue and chargeback movement at single merchants, without baseline, population or method. No accuracy figure, validation report or contractual accuracy service level is published, so what comes out of the engine cannot be assessed.
Obvi reports a 1.6 percent revenue lift with fraud chargebacks down 70 percent, and Caraway halved fraud while adding $68,000 of monthly revenue. 127 Shopify reviews average 4.8 out of 5 on a platform the vendor does not control, but no transaction volume or customer count is stated.
Global blocklists and persona tracking carry shopper reputation across merchants, and nothing says whether a merchant can opt out or how its data is separated. Cardholder Verification has analysts contact shoppers directly, with no published consent, script or way for a shopper to tell that call from the social engineering it resembles.
The company says it has worked on GDPR compliance for itself and its vendors and offers paperwork on request, without publishing a processing addendum or subprocessor list. A transatlantic transfer framework is referenced without naming which one or its status, so a buyer cannot tell the current arrangement from its invalidated predecessor.
The about page describes the PCI Security Standards Council and a transfer framework without attaching the company to either, a badge without a claim. No compliance level, attestation, SOC report or trust center appears.
GDPR is the one regime the company cites, and no financial license or supervisory relationship is claimed. Screening card not present transactions places the product inside card scheme rules without conferring any regulated standing.
The half percent review rate is a friction figure, not an error rate, and no false positive, false negative or calibration figure accompanies it. Because output is a binary pass or fail, a systematically mis scored group is refused outright, yet no fairness testing or model change approval is published.
The optional guarantee covers fraud chargebacks on passed orders and states plainly that item not received and not as described disputes fall outside it, so the boundary is known before purchase. Nothing notifies a shopper refused without verification or offers an appeal, and no service level covers correcting a wrong decision.
Inputs such as global blocklists, device fingerprints and geolocation are named, but not the providers behind them. The privacy answer confirms vendors exist without naming one, and no subprocessor list or model provider appears.
The Shopify app installs in under five minutes and works with Checkout, Flow and Shop Pay, plus subscription tools such as Recharge and Skio, where one approved order creates recurring charges. Cards, PayPal and Apple Pay are covered, but no payment gateway or acquirer connector lets the guarantee reconcile against the processor.
Hosted through a platform app or direct interface, the service is based in the United States and names no cloud provider, region or residency commitment. A merchant selling into Europe cannot complete its own transfer assessment without knowing where data goes.
A merchant can screen up to 100 orders a month free and indefinitely, with no setup fees, charges only on approved orders and custom pricing above $50,000 of monthly revenue. The rate itself is never published, and the free plan excludes manual review and the guarantee, the two things paid tiers exist to deliver.
Small and mid sized online merchants are the only buyers, centered on Shopify with paths for BigCommerce, WooCommerce and Adobe Commerce. No verticals, geographic footprint or second buyer type such as payment providers or banks appears.
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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 |
|---|---|---|---|---|
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Free plan for up to 100 screened orders per month, free to install, with a 14 day trial from the first screened order. Paid starter plans include chargeback protection for merchants under $50,000 monthly revenue; rates route to a form.
$0 baseline
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Charged as a share of approved order value, with the vendor charging nothing on orders it declines, across a published three step structure. A free plan covers up to 100 screened orders a month without manual review or the guarantee. Starter plans serve merchants processing under $50,000 of monthly revenue and include chargeback protection, with a third party reporting the rate at 1 to 1.5 percent of revenue varying by monthly minimum. Merchants above $50,000 a month move to custom pricing. The chargeback guarantee is optional rather than bundled at every tier, and its scope is published and limited: it covers chargebacks arising from unauthorised or fraudulent card use and expressly does not cover non fraud disputes such as item not received or item not as described, which are handled by the separate Chargeback Management service. Screening covers card not present orders across credit and debit cards, PayPal, Apple Pay, Alipay and Amazon Pay. | No data processing addendum or subprocessor list is published, though the position is stated usefully. The company says it has made significant efforts to ensure GDPR compliance for itself and its vendors, and that merchants subject to GDPR can contact support for the necessary paperwork. That acknowledges both the subprocessor chain and the existence of executable terms without publishing either. The about page also displays a reference to a transatlantic data transfer framework administered by the United States Department of Commerce with the European Commission and the Swiss Administration. It does not name the framework, state certification status or give a date. That matters because the arrangement in that space was invalidated in 2020 and replaced in 2023, and the page does not show which one is meant. | None, stated explicitly. The company advertises simple pricing with no setup fees and charging only on approved orders. The claim is supported by the delivery model rather than merely asserted: the Shopify application installs in under five minutes, native paths exist for BigCommerce, WooCommerce and Adobe Commerce, and a direct API integration is offered for everything else, so a typical merchant needs no engineering project. Manual order review, shopper verification and dispute representment are described as part of the service rather than as chargeable professional services. Chargeback Management, which handles non fraud disputes the guarantee does not cover, is a separate offering and no rate is published for it. A referral program paying up to $300 is advertised. | Third Party Estimated |
For the segment it targets, the commercial disclosure is highly usable. The vendor publishes a free plan covering up to 100 screened orders a month and a 14 day trial beginning at the first screened order. There are no setup fees, and charges apply only to approved orders. Starter plans include chargeback protection for merchants under $50,000 of monthly revenue, and that explicit threshold is where pricing becomes custom.
A small merchant can install the product and run it in production without paying anything or speaking to anyone. That is a stronger commercial disclosure than any published floor, because it is testable rather than merely readable. What the vendor does not publish is the rate, and rates route to a form. A third party listing reports starter pricing at 1 to 1.5 percent of revenue depending on the monthly minimum, a third party estimate rather than a figure from the vendor's own site.
The free tier's 100 order cap is the binding constraint rather than the price, so a merchant above roughly three orders a day is in paid territory regardless of the headline. The free plan also excludes manual review and the guarantee, the two things the paid tiers are actually for.