Simulator
The Authentication Gauntlet
You run a merchant's authentication orchestration engine. Twenty card-not-present orders arrive. Choose a play on each and watch conversion, fraud loss and — the part that decides your P&L — who carries the liability.
Merchant profile
Luxury fashion
- Average basket
- $900
- Baseline fraud rate
- 0.4%
- Abandonment sensitivity
- High
- Stream
- Customer-initiated
Big baskets, thin fraud, and shoppers who walk at the first password prompt.
Seed: 1042
Fraud loss by liability
$0
Merchant-liable$0
Shifted to issuer$0
Revenue captured
$0
0 converted
Abandonment lost
$0
0 orders
Fraud loss
$0
merchant-liable: $0
Composite score
in progress
order 1 of 20
Chargeback ratio
0.00% / 0.9% programme threshold
Order 01 · Apparel
$1165.49
device mismatch
Fraud score
43