Accertify Sets Bold Vision for “More Yes” – a New Era of AI-Powered Commerce Enablement

To reflect its connected, continuous ML-based fraud decisioning capabilities across the full customer lifecycle, Accertify’s platform is now the Predictive Yes Platform

ITASCA, Ill.--(BUSINESS WIRE)--The fraud problem has shifted. For years, merchants have focused their fraud defenses at checkout, at the moment of transaction. Meanwhile fraudsters have shifted their attack methods, exploiting account creation, login, and account changes long before a purchase is made. At the same time, the explosion of first-party abuse - like refund fraud, promotion gaming, and policy exploitation by people who look exactly like legitimate customers - has extended fraud risk past the point of payment. Against this backdrop, a convergence between fraud and cybersecurity is occurring as the two disciplines join forces and work together on account takeover, identity confidence, and card not present (CNP) fraud. This convergence recognizes that fraudsters are treating the entire customer lifecycle as a single attack surface.

In the meantime, businesses must still drive growth.

Accertify, Inc. today announced the Predictive Yes Platform, a new category of enterprise technology that addresses these challenges by joining identity, behavioral, historical, and purchase signals across the full customer lifecycle and decisioning on them continuously, from the moment a customer arrives to long after they've checked out. The platform makes possible a new kind of yes: not reckless, not naive, but precise, confident, and data-backed. That is the vision Accertify calls "More Yes."

“Fraudsters don’t respect org charts,” said Greg Dukat, CEO of Accertify. “They treat account creation, login, checkout, and post-purchase as one continuous attack surface. The Predictive Yes Platform is built the same way - one connected system across the full customer lifecycle, so businesses can approve more good customers with confidence and fuel growth - without the wrong people coming along for the ride.”

The Predictive Yes Platform

The Predictive Yes Platform connects signals that have historically lived in silos - identity signals at account creation, behavioral signals at login and account change, browsing and shopping signals at consideration, purchase signals at checkout, and outcome signals through returns, refunds, and chargebacks - into a single, continuously learning view of each customer. Rather than making isolated decisions at individual transaction points, the platform decisions risk at every stage of the journey, so that by the time a good customer reaches checkout, the answer is already clear.

That intelligence is fueled by three structural advantages.

• The first is data at scale: Over the past 12-month period from May 1, 2025, to April 30, 2026, according to Accertify client data, the company processed more than 10 billion transactions representing $1.25 trillion in commerce.
• The second is a consortium approach in which 98% of Accertify clients have opted in to share anonymized fraud intelligence across hundreds of enterprise brands in retail, travel, regulated gaming, entertainment and media, restaurants, ticketing, financial services, and other sectors - so a pattern identified anywhere in the network protects everyone, and a trusted customer verified anywhere moves faster everywhere.
• The third is layered AI-powered models, from decision trees to supervised machine learning to graph networks and more - each purpose-built for specific fraud types and using industry-specific signals - working in concert to stay ahead of evolving attacks.

Those advantages are continuously extended through platform innovation. Accertify's most recent enhancements put AI at the center of decisioning in new ways. A new AI-driven capability applies machine learning to the manual review queue before a human analyst ever sees it, automating a significant portion of reviews and reducing the over-marking that costs merchants good customers. Graph network capabilities now bring real-time detection of fraud rings and coordinated attacks by mapping complex, non-linear relationships between identities, devices, behaviors, and transactions. And updated industry-specific AI models bring deeper vertical signal training to bear, improving precision for Accertify's largest client segments.

About Accertify

Accertify enables commerce by doing one thing extraordinarily well: pinpointing fraud. The company's Predictive Yes Platform helps businesses say yes to more - more good customers, more revenue, and more growth - without getting burned. It's a precise, confident, data-backed yes, made possible by joining signals across the entire customer lifecycle through unmatched data volume, layered AI-powered models, and a consortium approach that protects clients from bad actors spotted anywhere in the network while unlocking business with good actors verified anywhere in the network. With more than 10 billion transactions and over $1 trillion in commerce processed in 2025 alone, Accertify delivers the intelligence and precision that fraud and payments teams need to say yes confidently and enable growth. That's the More Yes difference. Learn more at accertify.com.