Payments fraud and chargeback data
Payments fraud and chargebacks are costly, and external signals help prevent them. This guide covers payments fraud and chargeback data and how to source it.
Available across the EU. DataSupplier sources and delivers this data in all 27 European Union countries — including Germany, France, Spain, Italy, the Netherlands and Poland — and across the EEA, in the format and cadence you need.
Why this data matters
Fraud and chargebacks drain revenue and trust. External and shared signals improve prevention and dispute management beyond what a single merchant or issuer sees.
The data landscape
- Fraud signals: device, behaviour and identity risk.
- Chargeback patterns: dispute and reason data.
- Consortium data: shared fraud experience.
- Network: links between entities.
Privacy and sharing
This data is personal and governed by the GDPR and payments rules, and consortium sharing operates under strict conditions. Aggregation and lawful basis are central.
Common use cases
Fraud prevention and scoring, dispute and chargeback management, and risk analysis.
Sourcing considerations
Provenance, lawful basis and data-sharing rules are central, and signal quality varies. Combining sources improves detection while balancing false positives.
In a managed model
A managed partner can source fraud and chargeback signals with lawful basis, provenance and privacy safeguards.
Shared signals, strict rules
Fraud and chargebacks drain revenue and trust, and external or consortium signals reveal patterns a single merchant or issuer cannot see. But this data is personal and governed by the GDPR and payments rules, and consortium sharing operates under strict conditions, so aggregation and a clear lawful basis are prerequisites.
Balancing detection and friction
Combining device, behavioural, chargeback and network signals improves detection, but models must balance catching fraud against false positives that block legitimate customers. Provenance and documented method support both compliance and the dispute-management workflows the data feeds.
- External and shared signals improve fraud and chargeback prevention.
- Combine fraud signals, chargeback patterns, consortium and network data.
- Personal data: the GDPR and payments rules apply.
- Balance detection against false positives.
Sources & further reading
- EUR-Lex: PSD2 and payments framework.
- EUR-Lex: Regulation (EU) 2016/679 (GDPR).
- Card-network fraud and dispute rules.
- Industry fraud-data consortia.
We source fraud and chargeback signals with lawful basis and privacy safeguards. Get a no-obligation quote.