Protect Online Transactions from Fraud

Know whether the card and the phone actually belong to the same person — before you fulfill the order.

The Challenge

Online purchases made with stolen payment card information cost merchants millions of dollars in chargeback expenses, operational resources spent resolving disputes, and lost revenue from products that are shipped but never paid for. Card-not-present transactions are inherently risky: there’s no physical card to inspect and no signature to check, making it easy for bad actors to take advantage.

How Zumigo Solves It

Zumigo helps businesses reduce chargeback risk by verifying that the credit card and the mobile phone used in a transaction belong to the same consumer. Zumigo performs the following checks to produce a trust score merchants can use to decide whether to fulfill an order:

• Whether the name and address provided by the consumer match what’s on file with the mobile network operator, and whether it matches the credit card used to validate the payment method
• Whether the mobile phone is in a location that makes sense for the transaction being attempted
• The distance between the mobile phone’s network location and the merchant address, IP address, device (Wi-Fi SSID), or any other submitted set of geo-coordinates
• The geo-coordinates and address of the mobile phone’s network location, so the business can calculate distance against any other reference point relevant to the order

How It Works

1. At checkout, the consumer’s phone number, name/address, and payment method are submitted for verification.
2. Zumigo checks name/address match against carrier and card issuer records, and pinpoints the phone’s network location.
3. Distance is calculated between the phone’s location and the merchant, IP, device, and billing/shipping addresses.
4. A composite trust score is returned so the merchant can choose to fulfill low-risk orders automatically and flag high-risk ones for review — before the item ships.

Related Products

• DeRiskify OrderRisk: Purpose-built order-risk scoring for e-commerce merchants, available on Shopify and BigCommerce or via API.
• Assure Identity: Validates that the name/address on the order matches carrier and payment records.
• Assure Insights: Adds broader account and identity risk signals for higher-value or higher-risk transactions.

Why Zumigo

• Reduce chargebacks from card-not-present fraud without adding manual review to every order
• Use location and identity signals a stolen card number alone can’t fake
• Fulfill low-risk orders automatically and focus manual review where it’s actually needed
• Deploy quickly as a Shopify/BigCommerce app or integrate directly via API

FAQ

What is card-not-present (CNP) fraud?

CNP fraud is fraud committed using stolen payment card details in a transaction where the physical card isn’t presented — such as online or phone orders — making it harder for a merchant to verify the cardholder’s identity at the point of sale.

How does Zumigo verify a transaction without seeing the physical card?

Zumigo checks whether the name and address associated with the phone number match the payment method on file, and evaluates whether the phone’s real-time network location is consistent with the transaction, rather than relying on the card data alone.

What is location distance scoring and why does it matter?

Zumigo calculates the distance between the phone’s actual network location and reference points like the merchant address, billing/shipping address, or IP address. A large, unexplained mismatch is a strong signal of fraud, even when the card number itself is valid.

Is this available for e-commerce platforms like Shopify?

Yes. Zumigo DeRiskify OrderRisk is available as a plug-and-play app on Shopify and BigCommerce, in addition to direct API integration for custom storefronts.