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.
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.
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
How VerifiNow reduces chargebacks and fraud at every step.
Account Creation
Biometric identity binding at new account signup — block synthetic fraud before it starts.
High-Value Purchase
Step-up verification triggered at transaction risk thresholds — identity confirmation without friction for low-risk orders.
Age Verification
LiveVerifi scans and authenticates the ID document at point of sale — instant pass/fail for age-restricted products.
ATO Prevention
Biometric re-verification at login, account change, and recovery events — stolen credentials aren't enough.
Return & Refund
Identity binding for high-value or suspicious return transactions — ties the return to a verified person.
Evidence Log
Timestamped, dispute-ready identity audit trail for every verified transaction — strengthens chargeback defense with acquiring banks.
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.
Audit-ready for every retail verification requirement.
Close the gap between digital and in-store verification.
See VerifiNow in action for retail and services identity verification — 30 minutes, no commitment.
