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Retail & Services

Verify the Person Behind the Purchase.
Stop Chargebacks and Account Takeovers.

Account takeover, chargeback abuse, and return fraud drain retail margins. AI-generated identities open fraudulent accounts at scale. VerifiNow closes the gap between digital and in-store verification — protecting every transaction touchpoint with real-time identity binding.

Book a Demo All Industries
$48B+
Lost to return fraud annually
71%
Of chargebacks involve friendly fraud
<20s
VerifiNow verification time
0
Specialist hardware required
The Threat

The fraud playbook has moved faster than retail's defenses.

From synthetic account creation to AI-assisted chargeback abuse, today's retail fraud is organized, automated, and specifically designed to exploit the gap between your digital and physical channels.

Account Takeover

Credential stuffing and phishing give fraudsters access to legitimate customer accounts — then they drain loyalty points, make unauthorized purchases, and request fraudulent refunds.

Chargeback Fraud

Buyers claim non-delivery or unauthorized transactions after receiving goods. Without identity evidence, merchants have little recourse — and banks side with the cardholder.

Return & Refund Abuse

Organized return fraud rings exploit liberal return policies — using stolen identities, fake receipts, and counterfeit items to extract cash from retail operations at scale.

Synthetic Account Creation

AI-generated synthetic identities create fraudulent accounts to exploit new-customer offers, loyalty bonuses, and buy-now-pay-later programs — at industrial scale.

Age Verification Liability

Selling age-restricted products — alcohol, tobacco, vape, cannabis, pharmaceuticals — without defensible age verification creates direct regulatory and legal exposure.

Contact Center Fraud

Social engineering at the contact center — fraudsters impersonate customers to issue refunds, change addresses, and redirect orders — is among the fastest-growing retail fraud vectors.

Use Cases

Every channel. Every high-risk moment protected.

VerifiNow deploys one identity standard across web, mobile, in-store, and contact center — closing the verification gap that fraudsters exploit.

Account Takeover Prevention

Biometric step-up verification at login, account changes, and password resets. Stolen credentials alone are not enough to take over an account.

  • Biometric re-authentication on high-risk events
  • Step-up verification for address or payment changes
  • Deepfake and injection attack detection
  • Full account action audit trail

Chargeback Fraud Prevention

Timestamped, biometrically-bound transaction records provide defensible evidence of identity confirmation — significantly improving chargeback dispute win rates.

  • Government ID verification at purchase
  • Biometric selfie match and liveness check
  • Address verification against ID document
  • Dispute-ready digital audit trail

In-Store ID Verification (LiveVerifi)

Scan a driver's license or government ID on any iOS or Android device and get an instant pass/fail — for age verification, BOPIS pickups, and in-store account services.

  • AAMVA barcode and ICAO MRZ validation
  • Works on any smartphone or tablet
  • No specialist hardware required
  • Instant result with full audit record

Age Verification & Compliance

AAMVA-validated ID verification for alcohol, tobacco, cannabis, vape, and pharmaceutical product sales. Defensible proof of age check at point of sale.

  • Government ID document authentication
  • Age extraction and real-time compliance check
  • Tamper and forgery detection
  • Timestamped compliance record per transaction

Return & Refund Fraud Prevention

Identity binding for high-risk return and refund transactions. Require step-up biometric verification before processing returns above threshold amounts or without receipt.

  • Identity required for high-value or no-receipt returns
  • Blocks organized return fraud rings
  • Ties return record to verified identity
  • Integrates with POS and returns management systems

Contact Center Authentication

Step-up identity verification for customer service callers before any refund, address change, or order redirection is processed. Stop social engineering at the source.

  • Biometric verification link sent to caller
  • Identity confirmed before action is taken
  • Call record tied to verified identity
  • Integrates with major contact center platforms
Verification Flow

How VerifiNow reduces chargebacks and fraud at every step.

1

Account Creation

Biometric identity binding at new account signup — block synthetic fraud before it starts.

2

High-Value Purchase

Step-up verification triggered at transaction risk thresholds — identity confirmation without friction for low-risk orders.

3

Age Verification

LiveVerifi scans and authenticates the ID document at point of sale — instant pass/fail for age-restricted products.

4

ATO Prevention

Biometric re-verification at login, account change, and recovery events — stolen credentials aren't enough.

5

Return & Refund

Identity binding for high-value or suspicious return transactions — ties the return to a verified person.

6

Evidence Log

Timestamped, dispute-ready identity audit trail for every verified transaction — strengthens chargeback defense with acquiring banks.

Why VerifiNow for Retail

One platform. In-store and online.

Reduce Chargebacks

Verified identity evidence — document, biometric match, and address confirmation — shifts liability back to fraudsters and improves chargeback dispute win rates with acquiring banks.

In-Store + Online

LiveVerifi for point-of-service ID checks and the full VerifiNow platform for digital channels — one identity standard across your entire retail operation.

No Specialist Hardware

LiveVerifi runs on any iOS or Android device your team already carries — zero hardware investment, zero retraining, live in under a week.

Compliance

Audit-ready for every retail verification requirement.

PCI DSS Aligned
SOC 2 Type II
GDPR / CCPA
Age Verification Compliance
Audit Trail for Disputes
In-Store & Online Coverage

Close the gap between digital and in-store verification.

See VerifiNow in action for retail and services identity verification — 30 minutes, no commitment.

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