reduction in fraud
Helping merchants sell with confidence all over the world
From online store setup to retail point of sale, SHOPLINE is a one-stop commerce solution that is incredibly popular with businesses from global brands like Durex to small startups.
One of the secrets to SHOPLINE’s success is their laser focus on merchant and customer experiences. SHOPLINE’s goal is to remove barriers to success by making everything from setting up shop to advertising as easy as possible. They also help merchants create shopper experiences that are totally seamless.
The opportunity: building a better fraud management solution
In 2021, SHOPLINE’s rapid growth meant they decided to bring their payment and fraud management in-house.
It gave them a unique opportunity to make their payment experience for merchants and shoppers as seamless as the rest of their services.
It also meant they needed an advanced fraud management solution—from a partner they and their merchants could trust completely—to keep millions of payments safe and secure across the world.
The solution: fraud management that boosts conversion and security
When SHOPLINE took payment management in-house, they chose Cybersource Decision Manager as their fraud management solution.
What makes Decision Manager so powerful is that it doesn’t just keep payments secure; it keeps the payment experience so seamless that merchants can increase conversion at the same time.
Fraud down. Revenue up. Win-win.
Controlling risk with real-time fraud detection
The key to seamless fraud management is real-time fraud detection. Decision Manager runs over 260 validation tests in every transaction and uses machine learning to absorb insights from billions of transactions a year, all with an average transaction screening time of less than 600ms.1
Crucially for SHOPLINE’s merchants, this means fewer customers are now forced through 3-D Secure authentication, resulting in higher conversion, more revenue, and better customer experience.
Smarter decisions with richer data
Decision Manager also provides risk data and insights in a visual format to SHOPLINE’s in-house team and merchants—enabling them to make better decisions. This rich information includes the details of transactions such as IP addresses, emails, and risk scores, as well as graphics that show data linkages with other transactions to detect fraud patterns.
Global expertise that drives local success
As SHOPLINE expanded from its core in Asia into Europe, the U.S., and Australia, they’ve relied on our global experience to help them stay ahead of emerging risks. This means they’ve been able to protect their merchants from fraud across domestic and higher-risk cross-border transactions while guaranteeing an excellent buying journey.
The difference Decision Manager has made
50%
With Decision Manager, SHOPLINE has successfully reduced their merchants’ fraud ratio across the world by 50%.2
4.72%
higher conversion
Decision Manager has helped merchants increase conversion rates globally by accepting more genuine orders and reducing friction.3
78%
reduction in the need for 3DS authentication
Real-time fraud detection reduces the need for 3DS authentication, making payments quicker without increasing the risk of fraud.3
1 VisaNet transaction volume based on 2023 fiscal year. Domestically routed transactions may not hit VisaNet.
2 Based on SHOPLINE’s data from January 2023 to December 2023.
3 Based on SHOPLINE’s data from February 2021 to February 2024.
Disclaimer: The statistics in this section are made available by SHOPLINE. Visa does not make any representation or warranty about its completeness or accuracy and is not responsible for your use of or reliance upon the information contained herein, including errors or inaccuracies of any kind.