Forter vs Riskified decides approve or decline on a checkout order

A checkout integration is easy to misread as a chargeback desk. On 3 Oct 2026 the Forter checkout page listed three Fraud Management results: Approve, Decline, and Not Reviewed. The Riskified Chargeback Guarantee page listed two: approve and decline.

Not Reviewed is not a person in a queue. That Forter page says Forter does not review the transaction, and the store keeps the policy it already had. Riskified’s borderline path is Recover. The Chargeback Guarantee page says Recover is included in that product and is there to verify borderline orders.

The order under comparison is the decision on the card or the checkout, not the later dispute file. Forter Fraud Management is the Forter column. Payment Optimization, Dispute Management, Account Protection, and Abuse Prevention are separate Forter products. Riskified Chargeback Guarantee is the Riskified column. Dispute Resolve, Policy Protect, and Account Secure are separate Riskified products. Bot scoring is outside both columns.

What changes the signature is who carries a fraud chargeback after an approval. Forter’s pricing page offers a chargeback-guarantee agreement or an uncovered agreement. Riskified’s product page says you pay for approved orders and the product covers chargebacks. Dollar figures that actually carry a billing period are in Editions.

Overview

	Forter Fraud Management	Riskified Chargeback Guarantee
Primary use case	Real-time fraud decision on a checkout or payment. The Order API result is Approve, Decline, or Not Reviewed	Real-time fraud decision on an ecommerce order, sold as Chargeback Guarantee. The product page names approve and decline
What you hand it	Checkout data on the Order API, including the payment method. Pre-authorization goes out before the gateway call. Post-authorization includes the gateway response	Order data after payment details are in. Synchronous merchants call Decide. Asynchronous merchants call Submit and take the decision on a notification
Day-to-day workflow	Your checkout acts on Approve or Decline. A Not Reviewed result stays on the policy you had before Forter. Analysts can pull context with the Analytics Agent named on the Fraud Management page	Your checkout acts on approve or decline. Recover, included in this product, verifies borderline orders. The help center points day-to-day work at Control Center
License/pricing	Public 12-month units are on the AWS listing for the Trust Platform. Fraud Management is one product on that listing. Dollars are in Editions	No public list price. The March 2026 investor deck bills the GMV Riskified approves. The commercial shape is in Editions
Who operates it	Forter returns the decision. Your team still has to act when the result is Not Reviewed. Forter hosts the service	Riskified returns the decision. Your team submits the orders you want reviewed and watches them in Control Center. Go-live follows a shadow period the help center describes
Main buying consideration	Do you need a third result that sends the order back to your old policy, with the guarantee as a contract choice?	Do you need the approval itself to carry the chargeback cover, with Recover inside the same product?

We read the Forter Fraud Management page, the checkout integration page, the pricing-offer page, the 24 June 2026 agents note, and the AWS Marketplace listing, plus the Riskified Chargeback Guarantee page, the 5 Mar 2025 Adaptive Checkout release, the API integration help center, the investor FAQ, and the March 2026 investor presentation, on 3 Oct 2026. Nobody sent a test order or opened either console. The Forter capture is the Fraud Management hero: the Fraud Management label, the headline Block fraud, not customers, and a Fraud Rings panel. The Riskified capture is the Chargeback Guarantee hero: the Chargeback Guarantee label, the headline Lift revenue, minimize risk, and a phone showing Payment success. Cookie bars sat lower on both pages and are not in the crops.

Forter Fraud Management

Riskified Chargeback Guarantee

Both companies are independent on the pages checked 3 Oct 2026. Forter’s company page still tells Forter’s own story and does not describe a sale of Forter. The 24 June 2026 agents note still ships under the Forter name. Riskified’s investor FAQ says Class A shares have traded on the NYSE as RSKD since 29 July 2021, and the March 2026 investor presentation still describes that public company.

Editions and pricing

Dollar figures below are only the ones with a billing period on a page opened 3 Oct 2026. Forter’s AWS table is labeled Cost/12 months. The listing also shows a 24-month selector and a 36-month selector. Those selectors did not show a second dollar amount, so they are not printed here. A generic SaaS note on the same page mentions monthly usage fees. Leave the 12-month figure as a 12-month figure.

	Forter Fraud Management	Riskified Chargeback Guarantee
How you buy it now	AWS Marketplace lists The Forter Trust Platform for Digital Commerce, sold by Forter. The same page says Forter transacts exclusively via private offers. Refunds are described as part of each custom MSA	A Riskified contract. The help center says the fee structure lives in that contract and in Control Center billing settings. No marketplace rate card was on the product page
Public price (3 Oct 2026)	Basic Tier, under 1 million decisions a year, $120,000 for 12 months. Premium Tier, under 5 million decisions a year, $550,000 for 12 months. A decision is one real-time evaluation of a checkout or payment. An extra-decision row is billed per use. That row has no month, year, or one-time period, so its dollar is not printed. The custom row is a contact path	No public dollar. The March 2026 deck defines billings as the amounts charged for GMV Riskified approves. The fee varies by merchant industry, end-market risk, share of GMV reviewed, and the approval rates in the commitment. The product page says you pay for approved orders
Chargeback on an approved order	The pricing page offers a chargeback-guarantee agreement or an uncovered agreement, and a 90-day performance guarantee. The guarantee is a contract choice on the Fraud Management agreement. Dispute Management is the representment product	Chargeback cover is part of Chargeback Guarantee. The product page says approved orders are covered. Dispute Resolve is the separate dispute-file product. The March 2026 deck draws Chargeback Guarantee and Adaptive Checkout as one block, and Dispute Resolve as another
Outside that product	The website names Payment Optimization, Dispute Management, Account Protection, and Abuse Prevention beside Fraud Management. The AWS listing names Identity Protection and Chargeback Recovery for the non-decision products. The 24 June 2026 note adds a Dispute Agent for chargeback files. That agent is outside this column. The Analytics Agent is the one named on the Fraud Management page	Policy Protect, Dispute Resolve, and Account Secure are separate products on the March 2026 map. Adaptive Checkout, announced 5 Mar 2025, is a configuration of Chargeback Guarantee: extra checkout friction such as CVV, a one-time password, or 3-D Secure on some orders. It stays inside this column
Main buying consideration	Put the tier, the 12-month term, the decision cap, private-offer status, and guarantee or uncovered on the order. The public table prices the Trust Platform	Put the approved-GMV fee, the approval commitment, and whether Adaptive Checkout is on, in the contract. There is no public dollar to copy into the order

What the decision returns

Shared checkout coverage is not the same result set. Forter’s integration page, opened 3 Oct 2026, says the Fraud Management object is Approve, Decline, or Not Reviewed. Not Reviewed is listed for listen mode during ramp-up, a new payment method that still needs validation, missing BIN, email, or phone, a merchant IP in place of the customer IP, or a payment method that does not need a decision. The instruction on that page is to use the policy you had before the integration.

Riskified’s product page says the models return approve or decline, and that responses can be sub-second. The help center’s sandbox test offers Approve and Decline buttons. It does not print a third status on that page. Recover is the borderline path, and the product page says it is included. The 5 Mar 2025 release says Adaptive Checkout can add a check on a higher-risk order instead of a flat decline. We did not see a distinct Recover status code in the public help center.

	Forter Fraud Management	Riskified Chargeback Guarantee
Values on the public page	Approve, Decline, Not Reviewed. v2 uses action. v3 uses forterDecision	Approve and decline on the product page and in the sandbox test. Recover is described as verification of borderline orders, not as a third value on that test screen
When the call happens	Pre-authorization, before the gateway, or post-authorization, with the gateway response included. A pre-authorization path still owes Forter the later authorization result	Submit after checkout for the asynchronous flow. Decide for synchronous merchants. A successful pre-authorization has to be reported on the Decision action
What approve means here	The integration page says you can capture, confirm, and invoice. Whether that approval also shifts the chargeback depends on the guarantee or uncovered choice in Editions	The product page says the approval is covered. Cancel or a full refund can reimburse the approval fee and, the help center says, also cancels the guarantee on that order
Before go-live	Not Reviewed includes listen mode while Forter checks that the data is accurate. The page does not print a day count for that ramp	The help center says production validation, then shadow mode, typically about 2 weeks depending on volume, then a coordinated go-live. It also asks for historical orders, generally at least 6 months. The help center says fees start at go-live. They do not start during that production validation
Main buying consideration	If Not Reviewed comes back, whose policy captures the payment, and does the contract cover a chargeback on that capture?	If Recover or Adaptive Checkout steps in, is that still one Chargeback Guarantee decision, or a second product on the order?

That reply is about scoring the order at capture, so a low score from the default Shopify check is not left for a person to cancel later. It is one services comment. It is not an approval rate. The product pages opened 3 Oct 2026 do not print one.

Choose Forter Fraud Management when the checkout needs Approve, Decline, or Not Reviewed, and the contract says whether that is the chargeback-guarantee agreement or the uncovered agreement, using the 12-month Trust Platform units in Editions if that marketplace table is the one being signed. Choose Riskified Chargeback Guarantee when the approval should carry the chargeback cover, Recover stays inside that product, and Adaptive Checkout is only the 5 Mar 2025 configuration named above. Leave Forter Payment Optimization, Dispute Management, Account Protection, Abuse Prevention, and the Dispute Agent, and Riskified Dispute Resolve, Policy Protect, and Account Secure, on their own orders.