Keep your fraud tool. Add the layer it's missing.
You already pay for Stripe Radar, Shopify fraud analysis, Signifyd, NoFraud, Chargeflow, or one of the others. Good. We're not asking you to rip and replace.
We run alongside what you have. We add the depth signals your current tool wasn't built to see. We don't block your orders. We don't take over fulfillment. We just give you stronger intelligence and an evidence pack on every dispute to help you recover more chargebacks. $399 a month. Flat. Automated end-to-end.
You don't need a solutions engineer. Or a project plan. Or a six-week onboarding.
Layer 2 is automation-first by design. You sign up, attest to your current fraud tool, sign the addendum, point your webhooks at us, and you're live. Most merchants are receiving their first signals inside 24 hours. No integration project. No data-mapping sessions. No solutions calls unless you want one.
One page. Stripe Checkout. $399/month, flat. Cancel anytime.
Tell us which fraud tool you currently use. Tell us when your contract ends if you know. Acknowledge the data-sharing terms. Done.
We auto-generate your API key + webhook URLs. You point your platform at them. No integration project.
The call and its reasons show in your dashboard. Critical signals fire to your Slack or email. You decide what to do with them.
When chargebacks hit, we build a complete first-response evidence package for you. You review and submit — multi-round representment is not built.
Monthly performance report arrives in your inbox on the 1st. Signal volume, what your primary provider missed, dispute outcomes, cross-merchant pattern observations. Automatic.
Why $399 makes sense.
Most generalist fraud tools charge by GMV or per-decision. We charge flat because the value of Layer 2 isn't tied to your transaction count. It's tied to the depth of signal you get on the disputes that DO happen and the patterns your current tool misses.
- Your existing fraud tool
- Pay them — keep paying
- What they catch
- Buyer / device / payment signals
- What they miss
- Refund abuse, coupon stacking, cross-channel, specialized signals
- Chargeback losses on what they miss
- Yours to eat
- Effort per chargeback dispute
- Hours of evidence assembly
- Your existing fraud tool
- Unchanged — keep what you have
- Plus depth signals
- Refund / coupon / cross-channel / specialized
- Plus dispute representment
- Evidence-assist, included
- Plus monthly performance report
- Automated, emailed
- Plus Slack / email alerts
- Real-time, automated
- Cost
- $399/month, flat
If you're recovering even one $400 chargeback per month that you would have eaten — Layer 2 pays for itself. If you're catching one refund-abuse pattern per quarter your current tool didn't see — Layer 2 pays for itself. If you're nine months into a Signifyd contract and want real comparison data before your renewal — Layer 2 pays for itself. If none of the above, Layer 2 probably isn't for you. We'd rather tell you that than sell you something you don't need.
Six things your current fraud tool wasn't built to do.
Refund abuse detection
Refund-rate velocity, multi-order refund patterns, refund-to-card abuse, employee-side refund patterns. Generalist tools read the original order, not the refund pattern across orders.
Coupon stacking velocity
Multi-account coupon stacking, promo code abuse velocity, cart-cycling patterns. We catch the discount-abuse layer that buyer-side fraud tools don't watch.
Chargeback prediction
Customer chargeback history, refund-rate-based risk weighting, behavioral signals that predict dispute likelihood independent of the buyer's current order signals.
Cross-channel view
If you sell on Shopify AND Square AND elsewhere, we unify the signal across channels. Your existing tool likely watches one channel only.
Specialized category signals
Gift card lifecycle abuse, graded collectibles cert patterns, sealed product velocity, refund-abuse-by-vertical. Tuned for the categories generalist tools genericize.
Dispute evidence package (first response)
When chargebacks land, we build a complete first-response evidence package for you. You review, approve, and submit — evidence-assist only. Multi-round auto-representment is not built.
Whatever you're already running.
Layer 2 is designed to be additive, never conflicting. We never inject decisions into your primary system's authorization path. We deliver signals to you separately and let you decide.
Not on the list? If you have a primary fraud system at all, Layer 2 works. Attest at signup and you're qualified.
Not just eCommerce. Not just retail.
Layer 2 works for any merchant with chargeback exposure and an existing fraud system. The depth signals matter the same way regardless of your category.
Be honest about the line.
Layer 2 is signal-only. We're explicit about what we don't do because the value of Layer 2 depends on the boundary being crisp.
We do not block your orders. Your primary system stays in charge of authorization.
We do not auto-cancel transactions. We surface signals; you decide.
We do not guarantee chargeback outcomes on the Layer 2 tier. Representment support is professional-service, not insurance.
We do not cover chargeback losses on any tier today. Growth+ adds deeper prevention plus RECOVR evidence-assist — not loss reimbursement. Stolen-goods recovery is a separate arm, when enabled.
We do not replace your fraud tool. We're the depth layer on top.
Most merchants we talk to already have a fraud tool. The #1 thing we heard for months was "we already have Signifyd / Stripe Radar / [whatever] — call us next year." Layer 2 is the answer. You don't have to wait. You don't have to evaluate. You just add us on top, automated, $399 a month. And when your incumbent renewal comes up, you'll have actual data about who caught what.
— The VerifyLive team
What people ask before signing up.
Do you replace my existing fraud tool?+
No. Layer 2 runs alongside whatever you have. We deliver signals to you separately. Your existing tool keeps doing what it does. We add the layer it wasn't built to see.
How fast can I be live?+
Under 24 hours typically. Sign up, attest, sign the addendum, point your webhooks, you're live. No integration project. No solutions engineer required.
What if I don't have an existing fraud tool yet?+
Layer 2 isn't right for you. Look at our Growth+ tier ($499/month flat), which adds full decision authority plus RECOVR chargeback recovery — an evidence pack you submit. Layer 2 specifically requires an existing primary system.
Is my data shared with other merchants?+
Pseudonymized pattern signals (item identifiers, hashed buyer fingerprints, dispute outcomes) feed our cross-merchant correlation index. Identifiable customer PII is never shared. Participation in the cross-merchant index is a required term of Layer 2 — that's how the network effect works.
What about chargeback guarantee — do you cover losses?+
No — VerifyLive does not currently offer a chargeback guarantee, and Layer 2 does not cover losses. When a dispute lands, RECOVR builds your evidence package — you review and submit. There is no recovery fee. Layer 2 is for merchants who want depth signals + recovery service, not insurance.
Can I upgrade to a full tier later?+
Yes. Many Layer 2 merchants upgrade when their incumbent fraud tool contract ends. Your Layer 2 data history transfers cleanly to the full tier. We track your incumbent's contract end date at attestation specifically to surface the upgrade window.
What categories or industries do you work for?+
Any industry where you have chargebacks and an existing fraud system. eCommerce, retail POS, SaaS, marketplaces, services, digital goods, education, B2B platforms. Layer 2 is category-neutral by design.
What if your signals say block but my fraud tool says approve?+
You decide. Layer 2 never injects a decision into your authorization path. We surface the signal in your dashboard and (if configured) your Slack / email channel. The decision stays with you.
Add Layer 2 in under 24 hours.
$399/month flat. Cancel anytime. Automated end-to-end. Keep what you have.