ClearSale

ClearSale presents a compelling case in the fraud detection and prevention market, offering a solution designed to address the persistent challenge of chargebacks for e-commerce merchants. The company was founded in Brazil in 2001 by Pedro Chiamulera, a former athlete, whose firsthand experience with online fraud served as the catalyst for the business's creation. This origin story provides a unique narrative, grounding the company's mission in a tangible problem. The firm's operational model is a synthesis of advanced artificial intelligence and a significant human intelligence component, employing a large team of fraud analysts to manually review suspicious transactions. This hybrid approach is a key differentiator, aiming to reduce the rate of false positives—legitimate transactions incorrectly declined by automated systems—which can be a substantial source of lost revenue and customer dissatisfaction for online retailers.

The business generates revenue through a chargeback-based model, aligning its financial success with that of its clients. Merchants are typically charged a percentage of their total approved transactions, and ClearSale offers a chargeback guarantee, reimbursing clients for any approved transaction that later results in a fraud-related chargeback. This performance-based pricing structure can be attractive to e-commerce businesses of all sizes, from small enterprises to large corporations, as it directly ties the service's cost to its effectiveness. The company's global expansion is a notable milestone, having established a significant presence beyond its Brazilian origins, particularly in the United States and Mexico. This international footprint demonstrates the scalability and adaptability of its fraud prevention platform across different markets and regulatory environments. ClearSale's 2021 Initial Public Offering (IPO) on the B3 stock exchange in Brazil marked a significant achievement, providing the capital for further growth and solidifying its position in the public market.

ClearSale's service portfolio is anchored by its primary offering, a comprehensive fraud management system. The platform scrutinizes every transaction through a multi-layered process that begins with an AI-driven statistical analysis. Orders flagged as potentially fraudulent are not immediately rejected but are instead escalated for human review, a critical step in mitigating the risk of turning away genuine customers. The company serves a diverse client base across various sectors, including retail, travel, and direct-to-consumer goods, essentially any business that processes online payments and is vulnerable to fraud. By focusing on maximizing approval rates while minimizing fraud, ClearSale addresses a core tension in e-commerce operations, positioning itself as a strategic partner in revenue protection and customer experience optimization.

Keywords: fraud detection, chargeback prevention, e-commerce security, human-in-the-loop AI, payment fraud, transaction monitoring, revenue protection, false positive reduction, fraud analysis, online retail