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Wyllo’s multi-layered solution analyzes thousands of data points fusing machine learning with human intelligence to provide you with the most precise results. We utilize historical, behavioral and order data in real time to derive a simple actionable result: Pass or Fail.

Wyllo serves merchants in a diverse range of online verticals, including fashion and apparel, health and beauty, home goods, supplements, sporting goods, automotive, electronics, luxury goods,  shoes, pet care, wine and spirits, furniture, and more.

Wyllo can screen all “card-not-present” orders placed using a credit card, debit card, PayPal, Apple Pay, Alipay, Amazon Pay, and more, as well as phone orders, using a specific process. We also offer an optional Chargeback Guarantee.

Wyllo screens orders in real time. We consolidate all relevant and available information about a transaction and return a “Pass/Fail” answer in milliseconds, even for complex orders. A small percentage (less than 0.5%) of orders are held for review by Wyllo’s expert fraud analysts. Wyllo also offers customizable levels of branded verification.

For a limited number of select, high-risk orders, a Wyllo fraud analyst will perform “Cardholder Verification.” This is a customizable, branded process whereby we reach out to the cardholder to confirm the order’s legitimacy. Our process is designed to be as friction-free as possible and enables Wyllo to provide the highest approval rate to its customers. The review process is highly customizable to suit merchant preferences.

Wyllo provides plugin installation for Shopify, Shopify Plus, and BigCommerce, as well as Adobe Commerce (Magento), Salesforce Commerce Cloud, WooCommerce, Shift4Shop (formerly 3D Cart), Demandware, Volusion, Shopsite, OS Commerce, and all others, through our Direct API integration. View a full list of integrations here.

A pre-gateway integration is available with any Direct API integration. Hosted platforms such as BigCommerce and Shopify are not compatible with a pre-gateway integration. Shopify, however, does provide many of the benefits of a pre-gateway integration.

Wyllo provides a credit to your Wyllo account for fraud chargebacks on orders Wyllo screened and passed. The Chargeback Guarantee is not applicable to chargebacks with reason codes such as “item not received” or “item not as described.” Read our Chargeback Guarantee policy here.

Wyllo stands out from other similar solutions because of our flexible, multi-layered approach to fraud and abuse prevention. Our AI powered decision engine is backed by human fraud analysts, plus flexible tools merchants can use to build rules specific to the patterns they see, resulting in our unparalleled approval rate.

Yes, Wyllo has made significant efforts to ensure both the GDPR compliance of not only Wyllo, but also our vendors and third-party suppliers. If you are subject to the GDPR please contact support@wyllo.ai for the required paperwork.