Stop the silent revenue leak Online commerce Book a call

Plug the silent revenue leak —
fraud, bots, chargebacks, abuse.

Utopick IT shuts down the losses mid-market commerce bleeds quietly: card testing, bot scraping, chargebacks, promo abuse, and account takeover. You pay against losses prevented and disputes won — not licences.

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  • 0 E-com fraud losses by 2029 (USD)
  • 0 Annual growth (industry band)
01 · Market

A $100B+ leakage problem that grows with every new online channel you open.

Online fraud has stopped being a quiet back-office expense — it now eats directly into margin at the top of the funnel.

Online-fraud losses today

0

Rough global e-commerce fraud losses in 2024, per industry research — roughly the $40–48B range.

Online-fraud losses by 2029

0

Forecast annual losses, pushed higher by AI bots, instant payments, and mobile shopping.

Chargebacks as a share of GMV

0

Typical mid-market merchant average — and fees pile on top of the original amount.

Why the losses keep climbing

Bot kits are now cheap and AI-assisted. The attacker side gets stronger every quarter, so defense has to keep compounding just to stay level.

Why the commercial model is changing

Performance-based billing — paid per dispute won and per fraud loss avoided — realigns the incentives, and that is precisely where Utopick IT sits.

02 · Fraud surface

The fraud landscape Utopick IT was designed to push back on.

Eight overlapping abuse categories — and each one keeps growing in volume, automation, and AI sophistication.

03 · The company

Utopick IT — built from the ground up for online-commerce risk.

Utopick IT works inside the fast-growing e-commerce defense market, providing a single detection-and-evidence layer engineered to block fraud, stop bots, and win chargebacks as they happen.

  • Real-time risk scoring on every checkout and every login
  • Bot and scraping defense across the inventory and search endpoints
  • Automated assembly of chargeback dispute evidence
  • Promo and loyalty abuse detection linked at the device level
  • Ongoing tuning that balances conversion against fraud cost

“A well-built commerce-defense engine lifts conversion and cuts loss at the same time — those goals only conflict when the signals are too weak.”

04 · Differentiator

Defense priced on results. You pay against disputes won, false declines cut, and bot traffic stopped — line items your CFO can actually audit.

Utopick IT runs on a model where merchants pay mainly against chargebacks won, fraud losses avoided, and bot traffic blocked.

01

Easier to get started

Onboarding is simpler because the bill follows actual loss prevented.

02

Vendor incentives that match yours

Our revenue grows only as fraud rate falls and dispute wins keep compounding.

03

Tuning that protects conversion

Cutting false declines is a billable KPI, so our team works against over-rejection to keep merchant revenue high while losses come down.

04

Built-in recurring revenue

Constant traffic means constant scoring, which means continuous billing.

05

A clear mid-market opening

Shopify+ and BigCommerce-tier merchants rarely have in-house fraud teams that scale.

06

A scoring engine on every event

Each session and transaction gets a 0–100 risk score, and every loss prevented becomes a billable event.

05 · Pillars

What we take off your plate.

Five pillars running on one engine — the bundle mid-market merchants tend to adopt as a set.

Defense pillars

  • Payment fraud (card-not-present plus card testing)
  • Bot & scraping defense
  • Chargeback mitigation
  • Promo & loyalty abuse

What it stops

  • Stolen cards used at checkout
  • Stock hoarding and denial-of-inventory tactics
  • Friendly fraud and losses from serial disputers
  • Multi-account promo and referral abuse

How it works

  • Live scoring at checkout and at login
  • Device, network, and behavioral fingerprinting
  • Ongoing conversion-versus-fraud tuning
  • A commercial model tied to results
Case study · anonymised under client NDA

How we lifted a Shopify Plus merchant's chargeback win-rate from 41% to 73%.

Buyer profile

D2C apparel · USD 400M GMV

Platform
Shopify Plus
Engagement
Fraud + chargeback dispute desk · 12 months
Team deployed
6 fraud analysts + 2 dispute specialists
Stack
Riskified (kept and retuned)
  1. 73% Chargeback win-rate ↑ from 41%
  2. −0.8pp False-decline rate on legitimate buyers
  3. $6.2M Annual loss prevented audited by CFO

The situation

The merchant was losing 1.4% of revenue to chargeback fees and friendly fraud, and false-decline rate on legitimate buyers was 4.8% — the CFO's biggest line-item complaint to the CMO. The existing Riskified deployment was set too conservatively.

What we did

  1. 01Took over the dispute desk and rebuilt evidence packaging templates aligned to Visa CE 3.0 and Mastercard MCMP.
  2. 02Retuned Riskified decision thresholds against measured false-decline cost — not the vendor's default risk score.
  3. 03Added device + behavioural linkage on multi-account promo abuse rings.
  4. 04Reported weekly to the CMO on conversion vs. fraud — a single number both sides could action.
06 · Architecture

A six-layer commerce-defense stack — a verdict plus dispute evidence on every single event.

Each relevant event passes through six layers working together in under two seconds.

  1. L1

    Identity

    Work out who is on the other side — and whether they should be allowed to buy.

    • Device fingerprinting with step-up triggered by cart value
    • Account-takeover checks on every authenticated session
    • Linking multi-accounts by shared device, address, or card
  2. L2

    Behavioral monitoring

    Judge whether the shopper is real, as it happens.

    • Basket anomalies, cursor movement, and typing rhythm
    • Geo, device, and IP heuristics
    • Velocity, value-deviation, and dormant-to-active detection
  3. L3

    Web & API protection

    Block the bot or malicious payload right at the store’s front door.

    • Bot mitigation on the inventory and search endpoints
    • Continuous scanning of public-facing endpoints
    • API abuse detection — scraping, enumeration, and business-logic abuse
  4. L4

    Threat intelligence

    Check whether the source is already flagged as hostile.

    • Stolen-card BIN lists and fraud-ring IP ranges
    • Live feeds of phishing domains and bot networks
    • Signal sharing across tenants
  5. L5

    Control plane

    Your team's cockpit — and where our hours and your per-event fees get reconciled month by month.

    • Multi-store administration with isolation per brand
    • Live dashboards — fraud blocked, open chargebacks, and win rate
    • Multi-channel alerts and billing
  6. L6

    Chargeback evidence packaging

    Build the dispute package the issuer or acquirer will actually accept.

    • Automated evidence gathering — device, session, delivery, and communication
    • Dispute responses formatted for the issuing bank
    • Win-rate analytics and learning from dispute patterns
A suspicious checkout, start to finish · under 2 seconds
  1. 01Auth
  2. 02Basket shape
  3. 03Bot check
  4. 04BIN reputation
  5. 05Risk score
  6. 06Verdict
  7. 07Approve · 3DS · decline
08 · Engage

Bring Utopick IT in across the full defense surface of online commerce.

Engagement terms

Issuer
Utopick IT (IT services consultancy)
Engagement model
Project · Managed · Retainer · Staff-aug
Minimum engagement
From USD 10,000 per engagement
Sector
E-commerce defense · fraud · bot & abuse
Pricing model
Hybrid model tied to outcomes
Status
Open
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Note. Scope, deliverables, timelines, and SLA tiers are agreed in a mutual Statement of Work. Commitments on this page are illustrative; binding terms live in the engagement contract.

09 · FAQ

Quick answers.

How does Utopick IT connect to the checkout we already run?

A light JS tag plus a server-side webhook. It works with Shopify Plus, BigCommerce, and custom carts.

Can Utopick IT promise a specific chargeback win rate?

No vendor honestly can. Utopick IT commits to a measurable lift over your current win rate, billed against the wins it actually delivers.

Won’t stricter fraud rules hurt conversion?

Cutting false declines is a billable KPI. Our team tunes against over-rejection so merchant revenue stays strong.

Which kind of merchant does Utopick IT serve?

Mid-market online merchants on the Shopify Plus, BigCommerce, or Magento tier.

Do you guarantee the outcomes?

We commit to measurable improvement against your own baseline — quantified per engagement in the Statement of Work. SLA-backed commitments and clear remedies, not vague guarantees.

How quickly can you get going?

A scoping call within 2 business days. The signed Statement of Work usually lands within 7–14 days. For standard engagements, monitoring goes live within 30 days of the SOW; an emergency incident-response retainer can be switched on within 24 hours.

Do you sub-contract any of the work?

The bulk of the work is done by analysts and engineers we employ directly. When a vertical calls for specialist coverage (forensics, firmware analysis, jurisdiction-specific filings), the partners are named in the SOW before you sign — never quietly white-labelled.

What if we already work with Signifyd / Forter / Riskified / DataDome?

We integrate with your existing fraud and bot stack instead of replacing it. Our team tunes the decision thresholds against measured false-decline cost, runs the chargeback dispute workflow, and owns the win-rate analytics. If any tool is genuinely missing your conversion or loss targets, we put that in writing.

Where does our data live? Can we keep it in-region?

Region-specific options — EU, UK, US, Israel, GCC — are scoped per engagement. A BAA (US healthcare), DPA (EU), and ISO 27001-aligned controls are issued under the engagement contract. Production data and PII never leave your designated region without written consent.

Can we see reference clients?

After the first scoping call, under mutual NDA. Most of our clients are regulated and contractually cannot be named publicly. We arrange reference calls with comparable-size buyers in your vertical before the SOW is signed.