Forter

The company operates an enterprise SaaS and data‑driven risk decisioning model. It aggregates transaction and identity data across many merchants into a global identity graph that powers real‑time risk assessments at checkout, login, account creation and post‑purchase events. This reduces fraud losses, false declines and operational workload for merchants, and improves payment authorisation and dispute outcomes.

Revenue is generated through ongoing contracted relationships with enterprises and payment service providers, where the platform is integrated directly into payment and account flows. Value is created by lowering fraud and dispute costs, increasing conversion and approval rates, and reducing manual review, with performance often backed by contractual guarantees on chargebacks and approvals. A partner/PSP solution extends reach through indirect channels, enabling white‑label or embedded offerings.

Forter is a United States–based software company that provides an AI‑driven platform for e‑commerce fraud prevention, identity protection, payment optimisation, dispute management and abuse prevention. Its system evaluates online transactions, accounts and user behaviour in real time using a cross‑merchant identity graph to reduce chargebacks, false declines, account takeovers and policy abuse for digital merchants and payment providers.

The company generates revenue by selling enterprise SaaS and performance‑backed agreements to online merchants, marketplaces and payment service providers. It offers both covered (chargeback‑guarantee) and uncovered contracts, and embeds its decisioning into payment flows, including via a specialised solution for PSPs. Customers pay for the software and associated liability cover, not as consumers but as businesses operating online commerce and payment infrastructure.