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Riskified Business Model Canvas
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Word + Excel files
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Nine business model blocks
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Value and customer fit
Link the offer to segments, channels and relationships.
Commercial logic
Review revenue streams, costs, resources and partners.
Fraud prevention as competitive advantage: Business Model Canvas insights for investors
Discover how Riskified turns fraud prevention into competitive advantage with a clear breakdown of value propositions, customer segments, key partners and revenue streams. This Business Model Canvas gives actionable insight for investors, founders and analysts. Purchase the full, editable Word & Excel canvas to benchmark strategy and drive smarter decisions.
Partnerships
E-commerce platforms & marketplaces
Integrations with Shopify, Magento (Adobe Commerce) and major marketplaces streamline onboarding and data access, tapping platforms that host millions of merchants—Shopify reported over 4 million merchants and Amazon lists 2.5+ million sellers.
Native plugins and prebuilt connectors reduce merchant implementation time and integration errors by eliminating custom API work and preserving data fidelity.
Co-marketing, referral programs and joint product roadmaps drive adoption and ensure API compatibility and feature parity across channels.
Payment processors & gateways
Alliances with PSPs and gateways embed Riskified fraud checks directly into payment flows, reducing manual reviews and lifting authorization rates; PSP partners like Stripe and PayPal reach hundreds of millions of customers. Shared signals between gateway and fraud platforms improve dispute management and lower chargeback costs. Commercial bundles simplify merchant procurement, and joint go-to-market taps gateway merchant bases amid a global e-commerce market that exceeded 6 trillion USD in 2024.
Banks, issuers & card networks
Data-sharing and compliance alignment with banks and card networks in 2024 raised approval likelihood and streamlined chargeback handling, lowering dispute rates for partners by double-digit percentages. Collaboration on network tokens, 3DS2 and SCA — with 3DS2 adoption surpassing 75% in 2024 — boosted conversion rates. Continuous feedback loops use issuer outcomes to refine models, and co-innovation pilots accelerated entry into new geographies.
Data providers & identity verification
Third-party device, email, behavioral and identity data enrich Riskified's models, improving precision across e-commerce flows. KYC/KYB partners enable higher-risk and regulated-market acceptance. Vendor redundancy increases coverage and resilience; SLA-backed integrations keep checkout latency typically under 300 ms. Global digital identity market reached ~$18.6B in 2024.
- Data enrichment
- KYC/KYB for regulated markets
- Redundancy & resilience
- SLA ≤300 ms
Logistics, PSPMs & BNPL partners
Ties with shippers, wallet providers and BNPL partners give Riskified delivery and payment context that sharpens fraud signals and flags refund/return abuse early, improving approval accuracy and reducing losses. Shared incentives align Riskified and partners on approval and loss outcomes, letting merchants offer BNPL and wallet options confidently while protecting margins.
- fulfillment signals
- payment context
- aligned incentives
- reduced return abuse
Platform and PSP integrations boost approvals in $6T+ e-commerce
Riskified leverages platform integrations (Shopify 4M merchants, Amazon 2.5M sellers) and PSP alliances (Stripe, PayPal) to embed fraud checks, lifting approvals across a $6T+ e-commerce market (2024). Data and identity partners ($18.6B digital ID market) plus 3DS2 (75% adoption in 2024) and SLA ≤300 ms improve model precision and checkout conversion. Co-marketing, shared signals and aligned incentives reduce chargebacks and return abuse while accelerating global expansion.
| Partnership | 2024 KPI |
|---|---|
| Platforms/PSPs | Shopify 4M, Amazon 2.5M |
| Market size | e‑commerce >$6T |
| Identity/3DS2 | $18.6B; 75% 3DS2 |
What is included in the product
Detailed Word Document
A comprehensive, pre-written Business Model Canvas for Riskified detailing customer segments, channels, value propositions, revenue and cost structures across the 9 BMC blocks, aligned with real-world fraud-prevention operations, competitive advantages and linked SWOT insights for investors and strategists.
Customizable Excel Spreadsheet
High-level, editable snapshot of Riskified’s business model that clarifies revenue drivers, customer segments, and value propositions to quickly resolve strategic ambiguity and align teams.
Activities
Model development & training
Continuous ML experimentation drives precision-recall tradeoffs, with daily offline retraining and sub-24-hour online learning loops to adapt to fraud shifts. Feature engineering combines device, behavior, and merchant context across millions of events; A/B tests on thousands of orders validate 3–5% net approval uplift and ~30% drop in false positives in real deployments. Rigorous A/B testing ensures statistical stability before rollouts.
Real-time decisioning & orchestration
Low-latency APIs score orders, account events and payments at scale, typically returning decisions in under 100 ms and handling millions of requests per day. Rule engines orchestrate step-ups such as 3DS and ID checks to reduce fraud friction. Failover, monitoring and 99.99% uptime SLAs ensure resilience during peak traffic. Real-time feedback ingestion closes the loop on chargeback and approval outcomes.
Data pipeline & infrastructure operations
ETL pipelines, feature stores and event streaming (eg Apache Kafka for high-throughput ingestion) ensure reliable inputs and low-latency features for fraud models. Security and privacy controls (S3 durability 99.999999999% and encryption-at-rest/in-transit) safeguard sensitive data. Cost-optimizing compute and storage (cloud autoscaling, spot instances) preserves unit economics. High-availability SLAs (typical 99.99%) support global retail cycles.
Risk policy & chargeback management
Analysts design fraud and dispute policies by vertical, geography, and payment method to reduce false declines and optimize approval rates. Dispute handling workflows and chargeback representment recover lost revenue and limit chargeback liability. Case management tools streamline evidence submission and speed dispute resolution, while merchant education aligns operational playbooks for consistent fraud responses.
- Policy segmentation: vertical/geography/payment
- Chargeback recovery: dispute handling & representment
- Tools: case management for evidence
- Education: operational playbook alignment
Sales, partnerships & customer success
Industry-focused sales pursue high-velocity and enterprise merchants, targeting segments driving the bulk of online volume as global e-commerce surpassed roughly 6 trillion USD in 2024; partner programs embed Riskified into platforms and ISVs to accelerate distribution. Implementation and continuous optimization focus on maximizing approval uplift (typically 5–12% in comparable deployments) while executive QBRs align on KPIs and expansion opportunities.
- Sales: enterprise + high-velocity merchants
- Partners: embedded distribution via ISVs/platforms
- Ops: implementation → ongoing tuning for 5–12% approval uplift
- QBRs: KPI alignment and expansion
ML detection: 3–5% uplift, sub-100 ms decisions
ML-driven detection with daily retraining and sub-24h online loops yields 3–5% net approval uplift and ~30% fewer false positives in trials; models score orders in <100 ms and ingest millions of events/day. APIs and rule engines maintain 99.99% uptime and real-time feedback for chargeback closure. Sales and partners target enterprise/high-velocity merchants amid $6T global e-commerce (2024).
| Metric | Value |
|---|---|
| Decision latency | <100 ms |
| Uptime SLA | 99.99% |
| Approval uplift | 3–12% |
| False positives | -30% |
| Events/day | Millions |
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Business Model Canvas
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Resources
Proprietary ML models & feature store
Models trained on diverse merchant and transaction data drive accuracy, leveraging data from thousands of merchants and hundreds of millions of transactions to reduce false positives and chargebacks. A rich feature library accelerates innovation and reuse across use cases. Continuous labeling and outcome data sustain model performance over time. IP protections and proprietary know-how create durable defensibility.
High-scale, low-latency infrastructure
Globally distributed systems scale to absorb peak shopping traffic such as Black Friday and Singles Day, protecting merchants that collectively process over $100B in annual GMV. Sub-second decisioning (typical latency <200 ms) preserves conversion rates. Robust observability and SRE practices target 99.99% uptime to minimize downtime. Elastic capacity and autoscaling control infrastructure costs while meeting SLAs.
Risk domain expertise
Experienced fraud analysts and data scientists craft verticalized strategies tailored to merchants, and by 2024 these teams continuously refine models using live behavioral signals. Knowledge bases capture evolving fraud patterns across regions and skus to shorten detection cycles. Policy frameworks balance approval rates and loss exposure, while cross-functional squads embed this expertise directly into product and operations.
Ecosystem integrations & APIs
Prebuilt connectors simplify merchant adoption and cut integration time, supporting rapid onboarding as global e-commerce surpassed $5 trillion in 2022. Mature APIs enable custom workflows and orchestration for complex fraud rules and reconciliation. Certification with PSPs and platforms reduces operational friction; an integration library shortens time-to-value for merchants and partners.
- Prebuilt connectors
- Mature APIs
- PSP/platform certification
- Integration library
Brand trust & merchant relationships
Proven chargeback reduction (30–60% in 2024 vendor case studies) and approval uplift (10–20% documented) build credibility for Riskified; enterprise case studies and benchmarks from 2024 support large-scale buying. Long-term contracts compound model performance via accumulating transaction data, and strong referenceability accelerates expansion into adjacent merchant segments.
- 30–60% chargeback reduction (2024 case studies)
- 10–20% approval uplift (2024 benchmarks)
- 3+ year contracts = data compounding
- Referenceability enables new-segment entry
AI risk engine: sub-200 ms decisions, 30–60% fewer chargebacks, 10–20% more approvals
Proprietary ML trained on thousands of merchants and 100s of millions of transactions drives sub-200 ms decisions, reducing chargebacks 30–60% and boosting approvals 10–20% (2024 case studies). Global infra supports >$100B merchant GMV with 99.99% uptime targets and elastic scaling for peak events. Integrated APIs, PSP certifications and 3+ year contracts compound data advantages and speed time-to-value.
| Metric | 2024 Value |
|---|---|
| Merchants' GMV covered | $100B+ |
| Transactions used | 100s of millions |
| Chargeback reduction | 30–60% |
| Approval uplift | 10–20% |
| Decision latency | <200 ms |
Value Propositions
Higher approval rates with lower fraud
ML-driven precision approves more legitimate orders safely, driving approval uplifts reported by Riskified customers of up to 70% while cutting fraud chargebacks; merchants recover revenue otherwise lost to false declines (clients cite recoveries in the mid-single digits of GMV). Continuous learning adapts to new fraud tactics and outcomes are measurable and benchmarked via chargeback and approval KPIs.
Chargeback protection & liability shift
Chargeback protection with a liability shift converts uncertain chargeback exposure into guaranteed outcomes, with Riskified reporting approval uplifts of about 3–5% and chargeback reductions up to 70% for clients in 2024. Guarantees and managed services let merchants forecast net margins with confidence by removing variable dispute costs from P&L. Expert dispute handling and clear SLAs reduce operational burden and align incentives on recovered revenue and loss prevention.
Frictionless checkout & better CX
Low-latency decisions cut friction and help reduce cart abandonment, a major issue given Baymard Institute’s 69.57% average abandonment rate. Smart step-ups add friction only when risk signals demand it, preserving flow for low-risk shoppers. Improved issuer approvals lift conversions by recovering legitimate transactions. Omnichannel support keeps experiences consistent across web, mobile, and in-store touchpoints.
Rapid global expansion readiness
Rapid global expansion readiness: support for new geographies, payment types and local regulations accelerates entry, while localized risk policies reduce regional fraud vectors and false declines. Partnerships with PSPs and card networks streamline compliance and settlement, letting merchants scale internationally without rebuilding risk stacks. Riskified reported protecting billions in GMV and enabling merchants to expand across 60+ markets by 2024.
- Support: new geographies & payment types
- Local policies: mitigate regional fraud
- Partnerships: PSPs & networks ease compliance
- Scale: no need to rebuild risk stacks
Abuse prevention beyond payments
Abuse prevention extends beyond payments to stop account takeover, promo abuse, and returns fraud by applying holistic identity and behavioral signals across the customer lifecycle, reducing fraud before and after checkout.
Unified policies cut siloed losses and operational friction while analytics surface hidden leakage and quantify ROI, enabling data-driven policy tuning and recovery of lost revenue.
- Lifecycle protection: account takeover, promo abuse, returns fraud
- Signals: unified identity + behavioral analytics
- Benefits: reduced silo losses, revealed leakage, measurable ROI
ML approvals recover GMV: up to 70% uplift, 70% fewer CBs, 60+ markets
ML-driven approvals recover mid-single-digit GMV, with clients reporting approval uplifts up to 70% and chargeback cuts to 70% while guarantees drive ~3–5% net approval gains in 2024. Low-latency decisions reduce checkout friction against a 69.57% average abandonment rate. Global readiness protected billions in GMV across 60+ markets by 2024.
| Metric | 2024 Impact |
|---|---|
| Approval uplift | up to 70% |
| Chargeback reduction | up to 70% |
| Net approval gain (guarantee) | 3–5% |
| Markets | 60+ |
Customer Relationships
Dedicated enterprise account management
Dedicated enterprise account management provides tailored onboarding and continuous optimization plans that drive measurable outcomes; regular QBRs, held four times a year, review KPIs and roadmap needs; white-glove support coordinates across merchant teams for integration and operations; formal escalation paths and defined SLAs ensure swift issue resolution.
Self-service dashboards & analytics
Merchants monitor approvals, losses, and trends in real time via self-service dashboards showing approval rate, fraud loss, and chargeback trends. Granular insights guide policy and merchandising decisions with cohort- and SKU-level analysis. Custom reports quantify ROI for stakeholders and alerting surfaces anomalies early; in 2024 the platform analyzes billions of transactions annually.
Solution consulting & enablement
Workshops align fraud strategy with business goals, driving measurable outcomes such as faster approvals and reduced false declines; Riskified clients report up to 70% fewer chargebacks after tailored programs. Best practices streamline internal processes and cut investigation times, improving authorization rates and margins. Playbooks support peak seasons and new launches, historically reducing fraud surges by over 40% during high-volume events. Training builds in-house competence, raising analyst efficiency and lowering reliance on external review.
Technical support & SLA-backed reliability
24/7 technical support covers incidents across time zones with SLA-backed guarantees for uptime and defined response times; runbooks and public status pages improve transparency during incidents, and structured post-incident reviews feed actionable remediation and product hardening. Continuous review cycles shorten mean time to recovery and raise operational resilience.
- SLA-backed uptime and response times
- 24/7 global incident coverage
- Runbooks + public status pages for transparency
- Post-incident reviews → continuous improvement
Community & thought leadership
Riskified drives community and thought leadership through research, benchmark reports, and webinars that distill trends for merchants operating within the $6.3 trillion global e-commerce market (2023). Active participation in industry forums and co-authored case studies builds credibility and demonstrates measurable ROI, while regular fraud trend updates keep clients ahead of emerging attack vectors.
- Research & reports
- Webinars & benchmarks
- Industry forums
- Fraud trend updates
- Co-authored case studies
Enterprise AM, SLA 24/7 support - 70% fewer chargebacks, >40% fraud
Dedicated enterprise AM with quarterly QBRs, white-glove integration and SLA-backed 24/7 support; platform analyzes billions of transactions annually (2024). Real-time dashboards show approval rate, fraud loss and chargeback trends; clients report up to 70% fewer chargebacks and >40% fraud reduction during peaks. Research, webinars and benchmarks deliver ROI and threat alerts.
| Metric | Value |
|---|---|
| QBRs | 4/yr |
| Transactions analyzed (2024) | Billions |
| Chargeback reduction | Up to 70% |
| Peak fraud reduction | >40% |
| Global e‑commerce (2023) | $6.3T |
Channels
Direct enterprise sales
Account-based selling targets large retailers, focusing on enterprise accounts that together represent the $100B+ annual merchant GMV Riskified protects. Vertical specialists tailor value narratives to retail, travel and marketplaces, linking fraud reduction to conversion lift. Long sales cycles are supported by ROI modeling that quantifies chargeback savings versus revenue uplift. Executive alignment across fraud, payments and finance accelerates close.
E-commerce platform marketplaces
App listings and platform certifications drive mid-market inbound, leveraging marketplaces that accounted for over 60% of global online retail sales in 2024. One-click or guided installs reduce integration friction and shorten time-to-value. Reviews and case studies build trust and conversion; revenue-share models align incentives between Riskified and platform partners.
PSP and gateway partnerships
Embedded PSP and gateway offerings plug Riskified into merchant bases that participated in a global e-commerce market of about $6.3 trillion in 2024, accelerating reach. Co-selling and referral agreements cut customer acquisition friction and improve sales efficiency. Technical bundling simplifies integration and deployment timelines. Joint marketing leverages partner channels to amplify awareness and adoption.
Developer-first APIs & documentation
Developer-first APIs and documentation shorten time-to-production by providing comprehensive docs and SDKs for faster integration, sandboxes for rapid prototyping, and samples plus reference architectures that lower implementation risk; 2024 developer surveys confirm docs remain a primary driver of adoption.
- Comprehensive docs + SDKs
- Sandboxes for prototyping
- Samples & reference architectures
- Git-based updates for team sync
Content, events & webinars
Thought leadership content demonstrates measurable ROI, with 2024 surveys showing buyers 3x more likely to engage after educational assets; industry conferences now drive roughly 30% of enterprise pipeline by deal value; customer stories boost close rates by about 45% as of 2024 case-study benchmarks; targeted digital campaigns nurture leads, improving MQL-to-SQL conversion by ~20% year-over-year in 2024.
- Thought leadership: 3x engagement
- Conferences: ~30% pipeline
- Customer stories: +45% close rate
- Digital campaigns: +20% MQL→SQL
Omni-channel GTM: 60%+ marketplace reach, +45% close rate, $6.3T global e-commerce
Omni-channel GTM mixes account-based enterprise sales, platform partnerships, PSP embeds and developer-first APIs to capture segments across retail, travel and marketplaces. 2024 metrics: platform channels drove 60%+ marketplace reach, conferences ~30% pipeline, customer stories +45% close rate, global e-commerce ~$6.3T market size.
| Channel | 2024 Metric | Impact |
|---|---|---|
| Platform listings | 60%+ marketplace reach | High |
| Conferences | ~30% pipeline | Medium |
| Customer stories | +45% close rate | High |
Customer Segments
Enterprise retailers & marketplaces
Enterprise retailers & marketplaces handling high order volumes and complex catalogs need robust risk engines to scale across hundreds of thousands to millions of SKUs and orders. Global presence mandates regional policies (tax, chargeback rules, AML) and compliance like GDPR, which carries fines up to €20 million or 4% of global turnover. Multi-PSP setups benefit from orchestration for routing and reconciliation, while strict SLA and uptime/compliance demands are critical.
Mid-market e-commerce brands
Mid-market DTC brands (typical GMV $10M–$200M) seek quick uplift and plug-and-play integration as global e-commerce sales reached about $6.3 trillion in 2024 (Statista). Limited fraud teams—often fewer than 5 specialists—prefer managed services to offload chargeback and manual review. Platform plugins cut integration effort and time to value. Pricing must align with unit economics, fitting AOVs and margins to preserve IOC.
Digital goods & subscriptions
Instant delivery of digital goods heightens fraud pressure as risk windows collapse, and merchants see chargeback rates for digital goods often exceed 1% in 2024. Account sharing and friendly fraud remain common, especially in streaming and SaaS. Behavioral signals and device intelligence drive accuracy in real time. Recurring billing requires specialized churn- and retention-aware fraud logic to limit false declines.
Luxury, high-ASP & limited-release sellers
Luxury, high-ASP & limited-release sellers attract sophisticated fraud rings; online luxury sales were about $140B in 2024 (Bain), raising both fraud exposure and revenue-at-risk. False declines are especially costly for these merchants, so identity verification and contextual step-ups must be precise, and manual review augmentation remains essential.
- High value = targeted attacks
- False declines amplify revenue loss
- Smart step-ups reduce friction
- Augmented manual review improves accuracy
Cross-border and omnichannel merchants
Cross-border and omnichannel merchants face added regulatory and fraud complexity as international expansion exposes operations to local AML, tax and consumer-protection regimes; merchants must adapt to over 2,000 local payment methods and shifting chargeback rules. BOPIS and in‑store pickup create fulfillment and identity‑verification vectors requiring device and location signals. Consistent, channel‑agnostic decisioning reduces false declines and fraud leakage.
- Over 2,000 local payment methods worldwide
- BOPIS/in‑store pickup increases fraud surface
- Need unified cross‑channel decisioning
Adaptive fraud decisioning: GDPR risk €20M/4%, online luxury $140B
Retailers (enterprise to mid‑market), digital goods, and luxury sellers require adaptive fraud decisioning: global retailers need regional compliance (GDPR fines up to €20M/4% turnover) and multi‑PSP orchestration; mid‑market seeks plug‑and‑play; digital goods face >1% chargeback; luxury risks high revenue loss (online luxury ~$140B in 2024).
| Segment | 2024 metric | Key need |
|---|---|---|
| Enterprise | GDPR €20M/4% | Scale & compliance |
Cost Structure
Cloud infrastructure & data processing
Compute, storage and network for Riskified-style real-time scoring drive the bulk of cloud spend; industry practice shows peak elasticity needs of 2–5x capacity during holiday spikes. Data egress and streaming can add $0.01–0.12 per GB to bills. Reserved instances and sustained-use discounts typically cut unit costs by 20–40%.
R&D and data science talent
Salaries for ML, engineering, and analytics staff are the main Opex driver, with median US ML engineer pay about 150,000 in 2024 and senior engineers often 180,000+. Tooling and experimentation platforms add roughly 15,000 per engineer annually. Recruiting and retention typically cost ~20–30% of annual salary per hire, while continuous training averages ~1,300 per employee yearly.
Third-party data & verification services
Third-party identity, device, and threat-intel subscriptions form a sizable recurring cost in 2024, with redundant providers used to guarantee coverage and reduce single-vendor risk. Volume-based pricing means spend scales directly with transaction traffic and verification volumes. Active vendor management enforces contracts and 99.9%+ SLAs to protect availability and performance.
Sales, marketing & partnerships
Sales, marketing and partnerships for Riskified carry elevated costs: enterprise sales cycles drive CAC roughly 3–5x higher than SMB (2024 SaaS benchmarks), events and content (trade shows, certification programs) often add $30k–150k per major campaign, and partner revenue shares of 10–30% can compress margins; enablement materials and demos are recurring but critical investments supporting growth.
- Enterprise CAC: 3–5x SMB (2024)
- Event/content spend: $30k–150k per campaign
- Partner rev share: 10–30%
- Enablement/demos: recurring operational expense
Risk operations & chargeback handling
Analyst teams, case-management tools and QA/compliance drive recurring operational costs in Riskified’s chargeback handling; dispute fees and evidence submission create per-claim overhead, while guarantees require reserves or reinsurance, pressuring capital during high-claim periods; industry-scale e-commerce volume (≈$5.5T global GMV in 2024) amplifies processing load and cost exposure.
- Operational staffing & tools
- Per-dispute fees & evidence costs
- Reserves/reinsurance for guarantees
- QA, compliance, and audit layers
Control cloud egress, optimize ML talent costs, and lower enterprise CAC
Cloud compute/storage/network are primary costs (peak 2–5x holiday elasticity; egress $0.01–0.12/GB; RI/sustained discounts 20–40%). Talent is major Opex (median US ML engineer $150,000 in 2024; senior $180,000+; tooling ~$15,000/engineer; hiring 20–30% of salary). Third‑party data subscriptions and per‑transaction vendor fees scale with volume; enterprise CAC 3–5x SMB; partner shares 10–30%.
| Cost line | 2024 metric |
|---|---|
| Cloud egress | $0.01–0.12/GB |
| ML engineer pay | $150,000 (median) |
| Senior eng | $180,000+ |
| GMV | $5.5T global (2024) |
Revenue Streams
Per-transaction decision fees
Per-transaction decision fees scale with merchant volume, lowering effective unit costs as catalogs and transaction counts grow; global e-commerce exceeded $6 trillion in 2024, enlarging addressable volume. Predictable per-decision pricing simplifies budgeting and margin forecasting. Tiered levels map to SLAs and feature sets, incentivizing broader adoption across product catalogs and higher-value tiers.
Guarantee-based pricing with liability shift
Premium guarantee pricing shifts fraud liability to the provider, with premium fees funding assumed losses and aligning incentives on approval accuracy; industry data shows merchants face roughly 1% of GMV in fraud-related losses on average, so clear caps and contract terms are used to manage exposure, making the model attractive for merchants seeking revenue certainty and predictable chargeback protection.
SaaS subscriptions for modules
SaaS subscriptions for modules deliver fixed monthly or annual fees for dashboards and analytics, with pricing structures often sold as seat-based, volume-based or hybrids. Add-ons such as account takeover protection and abuse-prevention are upsold as premium modules. As of 2024 many vendors support multi-year commitments and contract discounts to lock renewal and ARR. Contracts commonly include SLAs and tiered usage caps.
Partnership and referral revenues
Partnership and referral revenues come from co-selling and marketplace placements that generate shared revenue, while bundles with payment service providers create embedded income and steady transaction-linked fees; referral fees further diversify streams and strengthen ecosystem ties across merchants, PSPs and platforms.
- Co-selling revenue
- Marketplace placement fees
- PSP bundled income
- Referral fees
Professional services & implementation
Professional services and implementation at Riskified in 2024 are delivered as project-based integration, tuning, and consulting to accelerate time-to-value for complex merchants, with training packages that boost self-sufficiency and custom policy work commanding premium rates.
- Integration projects billed per engagement
- Tuning reduces go-live time for complex merchants
- Training packages for merchant self-sufficiency
- Custom policy work priced at premium rates
Decision fees scale with $6T; 1% guarantees shift fraud, boost SaaS ARR
Per-decision fees scale with volume as global e-commerce topped $6 trillion in 2024, lowering unit costs; premium-guarantee fees shift ~1% GMV average fraud risk to providers and align incentives on approvals. SaaS modules, partnerships (PSP/embed/referral) and professional services diversify ARR and shorten merchant time-to-value.
| Stream | 2024 Benchmark | Note |
|---|---|---|
| Decision fees | Addressable on $6T GMV | Scales with volume |
| Guarantee | Merchants ≈1% GMV fraud | Liability transfer |
| SaaS/modules | Multi-year contracts common | Recurring ARR |
| PSP/refs | Embedded tx fees | Ecosystem growth |
| Services | Project-based | Premium pricing |