Last updated May 15, 2026.
Subscription commerce is one of the most resilient growth motions in ecommerce, and one of the most heavily targeted by fraud. Recurring billing turns a single successful exploit into a months-long fulfillment problem. Promo and trial abuse drains acquisition budgets quietly. Account takeover compounds on every rebill cycle. The Merchant Risk Council’s 2026 Global eCommerce Payments and Fraud Report named refund and policy abuse the #1 ranked fraud threat across ecommerce, displacing payment fraud for the first time. For subscription merchants, that finding lands hard: their model is built on the policies fraudsters now actively probe for.
Wyllo, the CX-first risk intelligence platform, and Stay AI, the premier subscription management platform for Shopify, partner together so subscription brands can protect every signup, rebill, and reactivation without adding friction for the customers who matter most. This page explains how the integration works, what it changes for subscription brands, and how to get started.
Why Wyllo and Stay AI
Stay AI is the subscription engine many of the fastest-growing Shopify brands run on. The platform combines a visual subscription-flow builder, configurable cancellation flows, loyalty mechanics, and Shopify-native integration that lives inside the customer’s account experience rather than off in a separate portal. Stay was named an official Shopify partner for the launch of Customer Account Extensions, which lets shoppers manage subscriptions natively without leaving Shopify’s customer area.
The team behind Stay was built by marketers, for marketers. The product treats subscription growth as a marketing and retention problem rather than a billing-platform problem, and that lens is what separates Stay from the older generation of subscription tools.
What Wyllo and Stay AI Adds
Stay AI handles the subscription experience. Wyllo handles the risk intelligence layer that protects it.
Most subscription platforms include some fraud screening on the initial signup, but few apply the same rigor to recurring activity. The result is a fraud blind spot that compounds with every billing cycle. A fraudster who passes the first signup check rides the rebill cascade for months. A compromised account quietly reactivates and changes the shipping address right before the next charge. A trial-abuse operator stacks fifty different identities through the same promotional offer over a single quarter.
The Wyllo + Stay AI integration closes that gap. Wyllo screens not just new signups but recurring billing events, reactivations, and one-click rebills with the same depth of decisioning. The decision engine pairs AI screening with human fraud experts who review the cases where merchant-specific context matters most.
The four products in the Wyllo platform that do the most work for subscription merchants:
- Wyllo Payment Fraud Protection screens new signups and recurring activity with AI plus human expert review. Optional chargeback guarantee converts residual risk into a predictable line item.
- Wyllo Claim and Policy Abuse Prevention catches account takeover, trial abuse, promo manipulation, and policy exploitation upstream, before they turn into refund cycles or chargebacks. Since policy abuse is now the MRC-ranked top fraud threat, this is usually the natural anchor for subscription brands.
- Wyllo Bot and Reseller Detection spots the multiple-account-creation and warmed-session patterns behind trial abuse, promo stacking, and coordinated reseller activity.
- Wyllo Chargeback Management turns representment into an AI-driven workflow that wins more of the friendly-fraud disputes that disproportionately hit subscription businesses. Mastercard’s State of Chargebacks 2025 report found friendly fraud now accounts for more than 45% of all chargebacks.
What the Wyllo and Stay AI Combined Stack Delivers
Enhanced security across the full subscription lifecycle. Signup, rebill, reactivation, account changes, and cancellation flows all screened with the same rigor.
Streamlined operations. Wyllo embeds decisioning inside the workflows your team already uses, so risk signals show up where decisions are made rather than in a separate dashboard.
Data-driven decisions. Stay AI’s subscription analytics combined with Wyllo’s connected-journey risk intelligence give CX, ops, and finance the full picture of subscriber behavior and risk patterns.
More focus on growth. Less manual review, fewer chargebacks reaching dispute, fewer trusted subscribers caught in over-aggressive fraud filters, and a cleaner CX for the customers driving the business.
How the Integration Works
Wyllo and Stay AI integrate natively for Shopify merchants. Existing Wyllo customers can find current integration documentation in the Wyllo Help Center. New customers can start with either platform and add the other when ready.
The typical deployment:
- Install Stay AI on your Shopify store (or confirm your existing Stay AI configuration is current).
- Install Wyllo through the Shopify app store or the BigCommerce App Marketplace, depending on your platform.
- Connect the two through the documented integration in the Wyllo Help Center.
- Configure your subscription-specific decisioning preferences with the Wyllo team. Trial abuse thresholds, reactivation screening rules, and recurring-payment risk policies are all tunable to your specific business.
- Start screening across the full subscription lifecycle. Most subscription brands see results within the first billing cycle, including fewer chargebacks on recurring transactions and better catch rates on trial and promo abuse.
Frequently Asked Questions
Does Wyllo integrate with Stay AI?
Yes. The two platforms are partners, with native integration for Shopify merchants running subscription programs on Stay AI. Wyllo screens signups, rebills, reactivations, and one-click order events with the same risk-intelligence depth, closing the recurring-activity blind spot that most subscription tools have on their own.
Why do subscription brands need fraud prevention beyond Stay AI’s built-in checks?
Subscription platforms handle the billing and customer experience side of subscriptions extremely well. They’re not built to be fraud platforms. The patterns that hurt subscription brands most (account takeover on recurring accounts, trial and promo abuse at scale, friendly-fraud chargebacks on recurring charges, policy manipulation across the subscription lifecycle) benefit from a dedicated risk intelligence layer that screens every billing event, not just the initial signup.
What kinds of subscription fraud does Wyllo catch?
Account takeover on recurring accounts, trial abuse and promo stacking via coordinated account creation, friendly-fraud chargebacks on recurring charges, refund and policy abuse on the subscription lifecycle, rebill and reactivation abuse, and the bot patterns that warm accounts for later attacks. See the Wyllo Claim and Policy Abuse Prevention page for the full picture.
Will Wyllo add friction for legitimate subscribers?
The whole point of the AI-plus-human-experts model is to reduce friction for legitimate subscribers, not add it. Pure-AI fraud systems tend to over-decline borderline-but-legitimate orders. Wyllo’s Payment Fraud Protection pairs AI screening with human fraud experts who review the orders where context matters most, recovering the borderline-legitimate orders that stricter systems would block.
Does Wyllo offer a chargeback guarantee?
Yes, optionally. The Wyllo Payment Fraud Protection product includes an optional chargeback guarantee that converts residual fraud loss into a predictable, fixed line item. Particularly useful for subscription brands where rebill chargebacks are a recurring (literal) cost line.
How do I get started?
Visit wyllo.ai to learn more about the platform and request a conversation with the team. If you already use Stay AI and want to add Wyllo, the Wyllo Help Center has the current integration documentation. If you don’t use either platform yet, you can start with either side and add the other when ready.
Ready to Protect Your Subscription Program
Subscription commerce is too valuable to leave the recurring-activity blind spot unmonitored. The brands seeing the strongest results pair Stay AI’s subscription engine with Wyllo’s risk intelligence so every signup, rebill, and reactivation gets the right level of scrutiny — without the friction that costs real customers.
Explore the Wyllo platform to see the full product lineup, or visit Stay AI to learn more about subscription management. Designed to think ahead. Less reaction. More reason.
