Account takeover, or ATO, is the digital equivalent of identity theft – where fraudsters hijack customer accounts, creating chaos that erodes trust and damages the customer’s relationship with your brand.

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Chargebacks are like a financial tug-of-war – and a headache for retailers. Fraudsters (and sometimes customers) dispute a charge, pull funds back from the retailer, and create a cascade of fees, administrative battles and, often, a loss of revenue.

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Loyalty abuse is like having party crashers at an exclusive event, where fraudsters exploit reward programs, causing a retailer to lose revenue and undermining the integrity of customer loyalty programs.

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