RiskReceipt

RiskReceipt is a web app (with optional API) that turns fraud decisions into clear, defensible “receipts” for every approved, challenged, or declined checkout. Instead of a black-box score, it captures the exact signals used (device fingerprint, IP reputation, velocity, BIN/issuer patterns, chargeback history, 3DS outcome) and generates a human-readable explanation plus an audit trail you can share internally, with payment processors, or during disputes. It also highlights which rules or models are causing false declines and estimates revenue lost to over-blocking. Merchants can A/B test risk policies (e.g., when to step up to 3DS) and see impact on approval rate, fraud rate, and chargebacks. This is not a full fraud engine replacement; it sits on top of existing PSPs/fraud tools to bring transparency, governance, and faster iteration to risk teams that are tired of guessing why money was left on the table.