FORTER

Forter for Marketplaces

End-to-end trust for every seller and buyer, every step of the lifecycle

POWERED BY 2B+ IDENTITIES
REAL-TIME AI DECISIONS
ZERO MANUAL REVIEW
The only solution that protects both sides of your marketplace — including collusion

50%
of marketplace fraud
involves buyer x seller
collusion

79%
increase in ATO
attempts YoY
(2024–2025)

>99%
average approval
rate across Forter’s
network

2B+
verified
identities
powering instant

Seller Lifecycle Protection

Registration & Onboarding

Fraudsters target seller accounts from first registration through final payout. Forter’s AI evaluates every seller
touchpoint in real time — stopping fake storefronts, account takeovers, and triangulation fraud before they
reach your buyers.

The threat? Synthetic IDs, fake storefronts, KYB bypass — fraudsters create seller accounts at scale to enable
downstream fraud.

Fake
Merchant
Accounts

Synthetic identity detection at onboarding

Fraudsters use stolen or fabricated identities (synthetic IDs, fake company registrations) to
open seller accounts. Once active, these storefronts are used for triangulation, goods-nevershipped scams, or as payout vehicles.

Forter solution: Sign-Up Protection API evaluates device signals, email reputation, identity graph,
and cross-network behaviour to block fake registrations at the point of account creation — before
any listing goes live.

Catalog Activation & First Transactions

The threat? Fraudulent listings, triangulation fraud using stolen cards on third-party merchants to fulfill real
marketplace orders.

Triangulation Fraud

A fake seller posts desirable items on your marketplace. A real buyer purchases. The
fraudster uses a stolen credit card to order the item from a legitimate retailer, shipping it to the
buyer. The marketplace pays the fraudster, the victim merchant absorbs the chargeback.

Forter solution: Seller Account Protection detects patterns of multiple shipping addresses, reused
device/email signals across accounts, and unusual first-transaction velocity. Identity graph cross-
references the seller against Forter’s 2B+ network to surface known fraud rings immediately.

Account Management & Seller ATO

The threat? Credential stuffing and ATO targeting seller accounts to hijack IBAN/payout details and divert
commission payouts.

IBAN hijack & payout diversion

ATO:
Seller
Account

Fraudsters take over a legitimate seller’s account and change bank account details so future
marketplace payouts are diverted to attacker-controlled accounts. The real seller may not
notice until the next payout cycle.

Forter Solution: Login Protection API intercepts suspicious login attempts (credential stuffing, bot-
driven brute force, device anomalies). Session Protection API flags bank detail changes as high-
risk profile-access events, triggering step-up MFA. Correlation ID tracks the full verification chain.*

Disputes, Reviews, & Payment

Review & Manipulation

Fake reviews & competitor sabotage

Fraudsters use bot networks and fake accounts
to inflate their own ratings or flood competitor
listings with false negatives.

Forter solution: Account Protection identifies
multi-accounting patterns and bot-driven activity.
Policy Builder enforces custom rules to flag review
submissions from suspicious device clusters.

Deactivation evasion & banning new identities

Suspension & Churn

Suspended fraudsters immediately re-register
under new synthetic identities, restarting the cycle.

Forter solution: Forter’s identity graph persists signals
across sessions and devices. Even when fraudsters
change email, device, or IP, behavioural and network
fingerprints flag them on re-registration.*

Buyer Lifecycle Protection

From first sign-up to loyalty rewards, every buyer touchpoint carries risk. Forter protects the full buyer journey —
approving good customers instantly while stopping fraud, abuse, and chargebacks at every stage.

Discovery & Registration

Fake
Buyer
Accounts

Synthetic identity detection at onboarding

Fraudsters create multiple buyer accounts to farm sign-up bonuses, referral credits, and
first-order discounts. Bot networks automate account creation at scale, draining promotional
budgets.

Forter Solution: Sign-Up Protection API detects device fingerprint reuse, email clustering, and
velocity patterns associated with multi-account creation. Policy Builder lets your team define and
enforce custom promo eligibility rules without manual review.

Browsing, Cart, & Checkout

Promo Abuse

Code stacking & fake sign-ups

Fraudsters use bot networks and fake
accounts to inflate their own ratings or flood
competitor listings with false negatives.

Payment Fraud

Stolen card, BNPL abuse, & digital wallet fraud

Fraudsters test stolen card details via low-value
purchases then escalate, or exploit BNPL and wallet
payment methods with synthetic identities.

Forter solution: Fraud Management API evaluates
6,000+ data points pre-authorisation. Card testing
patterns trigger instant decline. Chargeback
Guarantee covers all Forter-approved transactions.

Buyer Account ATO

ATO:
Buyer
Account

Fraudsters use credential stuffing to access buyer accounts, drain
stored gift card balances and loyalty points, add stolen payment cards, or make high-value
purchases using saved payment methods.

Forter Solution: Login Protection API evaluates every successful login attempt against behavioural
baselines, device fingerprints, and network signals. ATO-dedicated ML model (6%+ improved
detection, Oct 2024 release) triggers step-up MFA only when genuinely suspicious — preserving*
experience for good customers.

Delivery, Returns, & Post-Purchase Fraud

INR Claim Fraud

Item-not-received & empty box scams

Buyers receive their order then falsely claim
it never arrived or was empty to obtain a full refund
while keeping the goods.

Friendly Fraud

Forter solution: Post-Purchase Updates API feeds
fulfilment and dispute data into Forter’s model. Abuse
Prevention tracks refund claim patterns against the
buyer’s full identity history across the network.*

Chargeback abuse & serial refunders

Previously legitimate buyers initiate chargebacks
after receiving goods, or serially abuse return and
refund policies.

Forter solution: Forter’s cross-merchant identity
network identifies serial refund abusers even when
they appear as first-time buyers on your platform.*
Chargeback Recovery automates dispute responses.

Reviews & Loyalty

Loyalty point theft, rating manipulation, & rewards farming

Loyalty &
Returns
Abuse

Fraudsters drain loyalty accounts via ATO, manipulate ratings to gain algorithmic advantage,
or farm rewards points through fake transactions.

Forter Solution: Session Protection API monitors in-session activities including point redemptions
and transfers as high-risk profile-access events. Account Protection ties loyalty actions to verified*
identity, not just session tokens.

Buyer x Seller Collusion

The most complex and damaging form of marketplace fraud
involves both a fake or compromised buyer account and a
fake or compromised seller account. Forter’s Marketplace
Collusion Model is purpose-built for this threat.

Collusion accounts for up to 40% of marketplace fraud.
Common schemes include:

• Seller posts fictitious listings; affiliated fake buyer purchases
them to launder money

• Fraudulent buyer initiates chargeback; seller account
provides false confirmation of item not shipped

• Both accounts manipulate review and rating systems in
coordinated campaigns

• Coordinated triangulation: seller lists item, buyer purchases,
stolen card used for fulfilment at third-party merchant

FORTER COLLUSION MODEL

• Dedicated ML model links buyer and
seller accounts through shared device,
network, and behavioural signals

• Detects indirect connections: same
device cluster, shared IP ranges,
correlated transaction timing

• Real-time decisioning flags suspicious
buyer x seller pairs before orders are
completed

• Reduces investigation burden — no
manual review required

Oct 2025: New dedicated Marketplace Collusion
Model released, directly addressing the 40% of
marketplace fraud driven by coordinated buyer x
seller activity.

Why Forter for Marketplaces

Single Platform

One integration covers seller
onboarding, buyer checkout,
account protection, abuse
prevention, and postpurchase — no siloed tools.

Identity Network

2B+ identities and 6,000+
signals per event. Even firsttime users on your platform
are known across the Forter
network.

Zero False Declines

Merchants lose up to 75x
more to false declines
than to fraud. Forter’s >99%
approval rate keeps good
customers converting.