What is the best fraud prevention software for your online store in 2026?

Radar is Stripe's built-in fraud layer, using machine learning trained across Stripe's network. A card that was flagged at another business is often known before it ever reaches your checkout. On Radar Lite and Radar Standard, each payment gets a risk level: normal, elevated or highest. Out of the box, only highest-risk payments are blocked; elevated ones go through. The granular 0 to 99 risk score is a Plus and Pro feature.

The big win is zero setup. Radar Lite comes at no additional charge on standard payments pricing. Radar Standard starts at $0.05 per screened transaction, or $10 a month on a monthly plan, and runs the default rules. You need Plus (from $14) or Pro (from $20) to write and backtest custom rules, work a manual review queue, set your risk preferences and turn on Adaptive 3D Secure, which only challenges the risky payments. That matters if you sell into Europe.

The catch: on the self-serve plans, Radar scores what goes through Stripe. Stripe does offer its risk signals for payments processed elsewhere, but as a custom enterprise deal. Still picking a processor? Read our payment gateway comparison first. And Stripe's docs are blunt: you are ultimately responsible for the payments you accept. There is no reimbursement if a fraudster slips through.

NoFraud doesn't stop at a score. On its guarantee plans it makes the approve or decline call for you, and covers fraud chargebacks on the orders it passed. It mixes automated scoring with human analysts on the borderline cases. That combination is what merchants bring up most on Reddit: it catches fraud without nuking good orders. Its Shopify listing sits at 4.7 out of 5 across 164 reviews.

The price list is public, no demo required. Screening alone is free up to 100 orders a month. Guarantee plans run 1% of revenue with a $250 monthly minimum (covering up to $500 per order), 1.25% with a $350 minimum ($1,000), or 1.50% with a $450 minimum ($2,000). Above $50K in monthly sales, pricing becomes custom.

The catch is that minimum. Under $25K in monthly revenue you still pay $250, so your effective rate climbs above 1%. Some small merchants also report not qualifying for the guarantee after the trial. And nofraud.com now redirects to Wyllo, the site that carries the vendor's products; the Shopify app still goes by NoFraud.

FraudLabs Pro is rules plus a score. You install the plugin for your platform (Shopify, WooCommerce, Magento, PrestaShop, OpenCart, BigCommerce and more) and each order gets a score and a status: approve, review or reject. Then you layer your own validation rules: IP country different from card country, disposable email, too many orders from one device in an hour.

Price is where it shines. The Micro plan screens 500 orders a month for free as long as you sell under $25K a month, with 10 free SMS credits. That covers a lot of small stores. Mini moves you to 1,500 orders for $29.95 a month, about two cents per check. SMS verification is an add-on, and a mobile app lets you clear held orders from your phone.

The catch: FraudLabs Pro reimburses nothing and doesn't decide for you. You set the thresholds and you handle the review queue. Reviews also say the rules feel intimidating at first, and a few merchants complain about slow support. One WordPress.org user switched off SMS verification because it confused customers.

SEON works from a simple idea: fraudsters leave a thin digital footprint. It checks what exists around a customer's email and phone (social accounts, address age, data breaches), plus device fingerprint and IP. An email created yesterday with no linked accounts weighs heavily in the score. You build rules in a visual editor, and SEON suggests new ones based on your own cases.

For investigation it is the most complete tool on this list. You see why an order scored the way it did, link accounts that share a device, and spot a ring of fake sign-ups. It also covers promo abuse and fake accounts, not just stolen cards.

The catch is the entry price. Starter runs $699 a month for 2,500 checks, about $0.28 per check if you use them all. For a store with 300 orders a month that makes no sense. And SEON doesn't reimburse chargebacks: it helps you decide, it doesn't decide for you.

MaxMind is best known for its IP geolocation database, which a huge share of the web relies on. minFraud sits on top of it: you send the order data (IP, email, address, card BIN) to its API and get a risk score back. There are three tiers. Score returns the number. Insights adds per-signal detail on IP, email and address. Factors tells you what pushed the score up or down.

It is pay per query, no subscription and no minimums: $0.005 for Score, $0.015 for Insights, $0.020 for Factors. For 1,000 orders on Insights, that's $15. You buy credits between $20 and $25,000, and the free trial covers up to 1,000 queries. A few platform integrations exist, but the tool really pays off with a developer on hand.

The catch: minFraud decides nothing until you configure it. From the Score tier up, custom rules can set each transaction to accept, reject or manual review, but you choose the thresholds. No human review from MaxMind, no guarantee.

Chargeflow made its name fighting chargebacks for you: it pulls the evidence (tracking, customer messages, order history) and answers the bank. You pay 25% of what it recovers, nothing if it loses. Prevent is its fraud screening layer: every transaction gets scored before fulfillment, so the order that would turn into a dispute never ships.

Everything is usage-based, no subscription, no contract. The first 1,000 transactions scanned by Prevent are free, then $0.10 each. Alerts, an add-on, intercepts a dispute before it becomes a chargeback, at $29 per deflected chargeback, with better rates above 50 alerts a month. The Insights dashboard is free forever.

The catch: past the free 1,000, the bill grows fast. At 3,000 orders a month, Prevent comes to $200. Chargeflow makes the most sense as a prevention plus recovery bundle, less as prevention alone.