Ravelin
Overview
Ravelin is Worldpay's AI-native enterprise fraud prevention platform, purpose-built to protect large-scale e-commerce merchants against the full spectrum of modern fraud threats. By combining machine learning, consortium data, graph networks, and flexible rule engines, Ravelin enables automated risk decisioning across all payment methods — helping merchants accept more transactions securely, reduce chargebacks, and block both existing and emerging fraud. The result: higher authorization rates, stronger revenue protection, and zero compromise on customer experience.
End-to-End Customer Journey Protection
Ravelin secures the entire customer journey — from account registration and login through to checkout — identifying and blocking fraudsters at every touchpoint while keeping the experience frictionless for legitimate customers.
AI-Native, Merchant-Specific Intelligence
Unlike one-size-fits-all solutions, Ravelin trains bespoke machine learning models on each merchant's own data, adapting continuously to evolving fraud patterns and delivering precision that generic models simply cannot match.
Product Features
Online Payment Fraud Prevention
ML models, rules, consortium data, and graph networks working in concert to stop sophisticated card-not-present attacks while maximizing conversion.
Account Security
Purpose-built machine learning detects account takeover attempts and multi-accounting at registration, login, and throughout the session.
Refund & Returns Abuse
Accurately distinguishes legitimate returns from abuse — approve good customers confidently, block fraudsters, and rehabilitate opportunists with targeted friction.
Marketplace & Supplier Fraud
Detects dishonest behavior on both the buyer and supplier side, keeping platform ecosystems healthy and trusted.
Product Description
Ravelin functions as an intelligent, always-on fraud defense layer — combining the depth of AI with the breadth of a global network. Since its inception in 2015, Ravelin has established itself as a market leader in identifying payment fraud, account takeover, return and refund abuse, promotion and voucher abuse, and marketplace fraud, while also enabling 3D Secure authentication. Now part of Worldpay, Ravelin brings this expertise directly to enterprise merchants at global scale.
9+ Billion Identity Elements in a GDPR-Compliant Consortium
Every transaction is checked against Ravelin's consortium database of over 9 billion identity elements — fully anonymized and GDPR-compliant — to identify whether an identity has been seen before across the merchant network, and whether it behaved legitimately or fraudulently.
Graph Network Link Analysis
Ravelin's graph network identifies deep, hidden connections between customers in real time — uncovering fraud rings and coordinated attacks that individual transaction analysis would miss entirely.
Tailor-Made Machine Learning
ML models are 100% optimized to each merchant's specific fraud challenges and the KPIs that matter most — delivering more accurate prevention and measurably higher conversion rates through a multi-model approach.
Proven Impact at Enterprise Scale
In 2025 alone, Ravelin secured over 3.5 billion transactions, processed more than $61.5 billion in orders, and supported over 340 merchants accepting customers from 250+ countries and territories.