HOW ALLYIZ HELPED A GLOBAL FASHION RETAILER OPTIMIZE FRAUD PREVENTION AND BOOST PAYMENT PERFORMANCE

Introduction

In the fast-moving world of retail, the checkout experience can make or break revenue. Every declined transaction, every chargeback, and every unnecessary fraud block represents lost customers and lost growth.

Fraud prevention is no longer just a risk function. Today, it is deeply connected to conversion, customer trust, profitability, and long-term brand value.

This case study explores how Allyiz partnered with a fashion retailer to transform fraud prevention, streamline dispute management, and unlock new payment performance opportunities across international markets.

The Role of Fraud Prevention for Retailers

Modern fraud is sophisticated, automated, and constantly evolving. Retailers face pressure to balance protection with seamless customer experiences without slowing down legitimate shoppers.

Effective fraud prevention should:

• Reduce chargebacks and fraudulent activity;

• Protect brand reputation and customer trust;

• Support higher approval and authorization rates;

• Decrease operational costs and manual reviews;

• Enable confident expansion into new markets and payment methods.

When fraud prevention strategies are outdated or overly restrictive, retailers unintentionally block good customers, resulting in missed revenue and unnecessary friction.

This is exactly where Allyiz Experts step in.

Why It’s Important to Deal With Fraud Prevention

Retailers who fail to regularly optimize systems often experience:

• Lower approval rates from issuing banks;

• Increased chargebacks and disputes;

• Hidden revenue loss due to false declines;

• Higher operational costs managing manual reviews;

• Poor customer experience at checkout;

• Difficulty entering new geographic markets.

Fraud prevention is not a “set it and forget it” strategy. Continuous optimization, benchmarking, and payment intelligence are essential to stay competitive.

Retail Fraud Prevention Case Study: How Allyiz Improved Approval Rates and Reduced Chargebacks

The Client

A global fashion retailer operating across multiple markets approached Allyiz with a clear goal - improve payment performance and fraud prevention while maintaining a strong risk posture. The retailer wanted to reduce chargebacks, lift approval rates, optimize KPIs, and ensure alignment with fashion industry standards.

The Challenges

Despite having an operationally strong payment infrastructure, several issues prevented peak performance:

• Limited visibility into refusal and decline reasons;

• Lack of automated fraud decisioning;

• Inconsistent dispute outcomes;

• Missed opportunities around new local payment methods;

• Under-optimized fraud rules leading to unnecessary declines;

• Difficulty adapting to market-specific risks.

The payment stack worked, but it was not working at full potential.

What Allyiz Did

Allyiz Team conducted a full analytical deep dive into payments, disputes, and fraud data to uncover actionable improvements.

Scope included:

• Diagnostics of card and non-card decline reasons;

• Review of authentication strategy and 3D Secure performance;

• Analysis of chargebacks and goodwill refund activity;

• Benchmarking against fashion and global industry standards;

• Evaluation of fraud prevention tools, ML models, and automation;

• Identification of opportunities to expand payment options and local acquiring.

The goal was to reduce friction, recover revenue, and future-proof fraud strategies.

The Results

The data-driven work positioned the retailer to align fraud prevention with commercial growth goals and improve decision accuracy.

Key outcomes included:

• Smarter, more precise fraud rules;

• Higher approval and conversion rates;

• Reduced manual review and operational costs;

• Improved oversight of disputes and refunds;

• Clear roadmap to expand payment options and local acquiring;

• Stronger defenses against evolving fraud trends.

By bridging payments, risk, and commercial insights, Allyiz transformed transaction data into clear business value.

Conclusion

Fraud prevention is not only about blocking all suspicious transactions, it is about enabling legitimate customers to shop confidently, seamlessly, and securely.

Retailers that invest in optimization gain:

• Higher revenue;

• Better trust;

• Lower operational burden;

• More resilient fraud defenses.

FAQ

Does fraud optimization always improve revenue?

When executed correctly, yes. Precision-led automation and smarter rules reduce false declines, lift approvals, and unlock hidden revenue.

Can Allyiz support multiple markets and payment methods?

Yes. Allyiz helps retailers analyze global payment stacks, introduce local acquiring where needed, and expand suitable alternative payment methods.

Is automation important in fraud management?

Absolutely. Automation reduces manual workload, improves accuracy, and helps businesses react faster to evolving fraud trends.

How often should retailers review their fraud strategy?

At minimum annually, but ideally continuously. Market behavior, issuer expectations, and fraud techniques change rapidly.