Riskified Pricing: Custom Enterprise Fraud Prevention Costs (2026)

Pricing overview

Riskified's pricing structure is built on a custom enterprise model, diverging from publicly listed, fixed monthly or per-transaction rates. This approach means that costs are negotiated individually with each client, factoring in specific business requirements, transaction volume, and the particular Riskified products implemented. The primary products include fraud prevention, account protection, policy abuse detection, and chargeback guarantee services. Merchants typically engage directly with Riskified's sales team to define their needs and receive a tailored proposal, as detailed on the official Riskified contact page.

The custom pricing model is designed to accommodate the varied operational scales and risk profiles of mid-market to large enterprise e-commerce businesses. Factors influencing the final cost often include the annual gross merchandise value (GMV) processed, the historical fraud rate of the merchant, the desired level of chargeback guarantee coverage, and the specific fraud vectors the merchant aims to address (e.g., payment fraud, account takeover, promotional abuse). This consultative approach ensures that pricing aligns with the perceived value and risk mitigation provided for each unique customer environment.

Riskified's model for its core fraud prevention and chargeback guarantee services often includes a performance-based component, where fees are tied to approved transaction values or the savings generated from preventing fraudulent orders. This aligns Riskified's incentives with the merchant's success, aiming to maximize approval rates while minimizing fraud losses.

Plans and tiers

Riskified does not publish distinct plans or tiers with predefined features and prices. Instead, its offerings are modular, allowing clients to select services that address their specific fraud and risk management challenges. The key services available for custom packaging include:

• Fraud Prevention: Real-time decisioning on e-commerce transactions to approve legitimate orders and decline fraudulent ones.
• Chargeback Guarantee: Riskified assumes financial liability for approved transactions that later result in a fraud-related chargeback.
• Account Protection: Safeguarding customer accounts from compromise, including account takeovers and policy abuse.
• Policy Protect: Addressing policy abuse such as promotional abuse, returns abuse, and reseller abuse.

The absence of fixed tiers means that each implementation is a custom solution. A merchant interested in only fraud prevention may have a different cost structure than one seeking a full suite including chargeback guarantees and account protection. The integration method, which typically involves API integrations for various platforms or custom implementations, also forms part of the solution design and can influence the overall cost structure.

For example, a large retailer with high transaction volumes and a focus on maximizing legitimate order approvals might receive a proposal centered around a percentage of approved revenue, combined with a chargeback guarantee fee. Conversely, a merchant primarily concerned with preventing account takeovers might have a pricing model based on the number of accounts protected or suspicious login attempts analyzed, rather than just transaction volume.

Free tier and limits

Riskified does not offer a publicly advertised free tier, free trial, or 'freemium' model. Given its focus on enterprise-level solutions and custom engagements, businesses interested in Riskified's services typically undergo a discovery process with the sales team. This process often includes a demonstration or a pilot program to assess the potential impact of Riskified's solutions on the merchant's specific fraud rates and approval rates. However, these pilots are generally part of a sales cycle rather than an open-access free offering.

The absence of a free tier is common among providers of sophisticated fraud prevention and chargeback guarantee services, where the value proposition is tied to significant financial risk mitigation and operational efficiency gains for large-scale operations. For smaller businesses or those with lower transaction volumes, the investment in a custom enterprise solution like Riskified may not be economically viable compared to solutions with simpler, fixed pricing models.

Limits, in the context of Riskified's custom pricing, are typically defined within the contractual agreement. These might include maximum transaction volumes covered by a specific rate, thresholds for the chargeback guarantee, or specific service level agreements (SLAs) related to decisioning times or accuracy rates. These limits are not uniform but are negotiated to fit the client's operational scale and risk exposure.

Real-world cost examples

While specific Riskified pricing figures are not publicly disclosed due to their custom nature, the general frameworks for how costs are calculated can be illustrated:

In the first scenario, for a large e-commerce retailer, Riskified might charge a percentage of approved transactions (e.g., 0.6% - 1.5% of approved revenue) for their fraud prevention service, with an additional, potentially lower, percentage or a fixed fee for the chargeback guarantee, based on the approved transaction value it covers. This ensures that Riskified's revenue scales with the merchant's sales and takes a share of the fraud risk.

For a subscription service, the pricing might involve a small fee per new customer signup (where fraud detection is critical) and a distinct, perhaps lower, recurring fee per active protected account for ongoing account security. This reflects the different risk profiles of initial acquisition versus ongoing account management.

It's important to note that these are illustrative examples. Actual pricing would be determined through a detailed analysis of the merchant's specific data, risk profile, and desired outcomes during the sales engagement process. Merchants should anticipate a comprehensive discovery phase to accurately define their needs and receive a precise quote from Riskified's team.

How the pricing compares

Riskified's custom enterprise pricing model positions it alongside competitors like Signifyd and Forter, which also primarily serve mid-market to enterprise clients with bespoke solutions. These providers generally do not publish their pricing publicly, opting for direct sales engagement to tailor quotes based on client-specific needs. This contrasts with some other fraud prevention tools, particularly those targeting SMBs, which may offer more transparent, tiered pricing or simpler per-transaction fees.

For example, some payment gateways or smaller fraud screening tools might offer fixed monthly plans or per-transaction fees that are openly published. However, these often come with less comprehensive coverage, lower approval guarantees, or less sophisticated machine learning models compared to the enterprise-grade solutions offered by Riskified and its direct competitors. The value proposition for Riskified's model lies in its ability to offer a chargeback guarantee, which means Riskified assumes the financial liability for approved fraudulent transactions. This feature is a key differentiator and often justifies a higher, albeit custom, pricing structure compared to solutions that merely provide fraud scores or recommendations without assuming financial risk.

When comparing, merchants should consider not just the raw percentage or fee but the total cost of ownership, which includes potential savings from increased approval rates, reduced manual review costs, and the financial protection offered by chargeback guarantees. For instance, a vendor that charges a higher percentage but guarantees all approved transactions could ultimately be more cost-effective than a lower-cost solution that results in more chargebacks and manual review overhead.

The complexity and customization offered by Riskified's API integrations are also a factor. While documentation for their APIs is typically provided after initial sales engagement due to the custom nature of their solutions, this allows for deep integration into various e-commerce platforms and custom back-office systems, providing a tailored fraud prevention workflow that simpler, off-the-shelf solutions may not match.