Card Not Present (CNP) Fraud Detection Software
Real-time protection for online and mobile payments, before fraud happens.
Our system analyzes card data, device signals, and behavioral patterns across every transaction to stop CNP fraud at the point of payment, protecting your revenue, your customers, and your chargeback ratios without adding friction for legitimate buyers.
Why it matters
CNP fraud is the fastest-growing payment threat, and rule-based systems are losing ground
When there is no physical card to verify, stolen details are all an attacker needs. As ecommerce and mobile payments grow, so does the attack surface, and the tools built to protect it need to evolve at the same pace.
Fraudsters exploit CNP scenarios by design
Card not present transactions offer fraudsters a point of entry that bypasses the physical controls that protect in-person payments. Stolen card details, spoofed billing addresses, and synthetic account information are enough to initiate a transaction, making the signals that distinguish a genuine buyer from an attacker entirely digital.
CNP fraud grows with every ecommerce and mobile transaction
As ecommerce and mobile transactions grow rapidly, CNP fraud detection becomes increasingly critical. Every new channel, every new market, and every increase in transaction volume represents additional exposure. The institutions and merchants that scale their fraud defenses at the same pace as their business are the ones that maintain acceptable loss rates.
Traditional rule-based systems cannot adapt fast enough
Tactics like bot farms, synthetic account creation, and coordinated carding attacks evolve faster than rule sets can be manually updated to address them. A static detection system that was effective last quarter may already have blind spots that attackers are actively exploiting today.
How it works
Multi-signal analysis from transaction initiation to case resolution
Four integrated capabilities combine the device, behavioral, and transactional signals that individually are inconclusive but together paint a clear picture of whether a payment is genuine.
Multi-Signal Analysis
The platform analyzes device fingerprinting, IP reputation, geo-velocity, and payment behavior to support CNP fraud detection. No single signal is conclusive on its own; it is the combination and relationship between signals that distinguishes a genuine buyer from an attacker using stolen details on an unfamiliar device from an unexpected location.
Adaptive Policy Engine
Custom policies allow actions including step-up authentication, decline, and automated alerts to be triggered by risk thresholds or unusual behavioral patterns. Genuine low-risk buyers move through checkout without interruption; high-risk sessions are challenged or blocked before a fraudulent transaction completes.
Real-Time Risk Scoring
Each transaction is scored instantly using dynamic models that combine historical data, payment context, and device indicators. Scoring happens within the transaction flow, before a payment is authorized, so the decision to approve, challenge, or decline is made with full context rather than reviewed after the fact.
Central Investigation Dashboard
Fraud teams can view case context, transaction details, device logs, and risk signals in a unified interface for efficient review and resolution. The information needed to make a confident decision is already aggregated when an investigator picks up a case, reducing time to resolution and improving consistency across the team.
What sets us apart
Integrates with your payment stack. Configured by your team.
Skylight connects to your ecommerce platforms and payment gateways quickly, lets your business users manage risk rules without engineering support, and scales automatically to match your transaction volume and geographic footprint.
CNP fraud protection that creates checkout friction is a competitive liability. Skylight is built to operate invisibly for legitimate buyers while catching the signals that indicate fraud, so your conversion rate and your fraud rate move in the right directions at the same time.
Fast API integration with ecommerce and payment platforms
APIs integrate quickly with ecommerce platforms and payment gateways without significant development overhead. Skylight connects to the transaction flow your payments already move through, so protection is active from the point of integration without disrupting the checkout experience your customers are used to.
Business-user rule management
Business users can create and adjust risk rules without requiring technical support. Fraud and payments teams update thresholds, define new detection triggers, and test rule changes independently, keeping your detection logic responsive to the fraud patterns you are actively observing rather than waiting on a development cycle.
Cloud-native and globally scalable
The cloud-native platform scales automatically to match transaction volume and global operations. Peak trading periods, seasonal surges, and international expansion are all handled without manual capacity planning or any reduction in detection speed or accuracy at volume.
Transparent alert triggers and scoring factors
Alert triggers and scoring factors are fully transparent to investigators for clear reasoning on every case. When a transaction is flagged or a payment is declined, the signals that drove that decision are visible in plain language, supporting faster triage, better customer communication, and more defensible outcomes.
Use cases
Every CNP payment scenario protected in real time
From ecommerce checkouts and mobile in-app payments to subscription billing and chargeback prevention, Skylight covers the full range of card not present fraud risk your business faces.
Ecommerce checkout monitoring
Prevent fraudulent card transactions from completing at the checkout stage, before an order is fulfilled and before a chargeback is inevitable. Multi-signal scoring assesses every transaction in the context of the session, the device, and the buyer’s history, so decisions are accurate without slowing the experience for genuine customers.
Mobile app payments
Detect anomalies in device behavior during in-app purchases using signals specific to the mobile environment, including device fingerprint changes, session timing patterns, and geo-velocity inconsistencies. Mobile fraud has distinct characteristics from browser-based CNP fraud, and Skylight’s models are calibrated accordingly.
Subscription billing protection
Flag suspicious recurring transactions and account takeover attempts on subscription accounts before they generate ongoing losses. Fraudsters who gain access to a subscription account can exploit it across multiple billing cycles; early detection limits exposure to a single event rather than a pattern of recurring loss.
Chargeback prevention
Intercept high-risk payments before settlement to prevent the chargeback liability that follows a fraudulent transaction. Chargebacks carry costs beyond the transaction value itself, including processing fees, dispute administration, and the risk of exceeding scheme thresholds that can result in loss of card acceptance rights.
Protect all card not present transactions with advanced fraud detection
Request a demo, launch a pilot, or speak with one of our payment security experts about the CNP fraud risks your business is facing today.
