Accertify

Accertify provides fraud prevention, chargeback management, account protection, and device intelligence software used primarily by e-commerce retailers, airlines, and payment processors to distinguish legitimate transactions and account activity from fraudulent ones. The platform sits at the intersection of fraud and identity risk: it evaluates device fingerprints, behavioral signals, and transaction patterns in real time to flag account takeover attempts, payment fraud, and loyalty-program abuse, at a scale the company describes as roughly 7.6 billion processed events in a recent year.

Founded in 2007 and headquartered in Itasca, Illinois, Accertify was majority-owned by American Express from 2010 until 2024, when private equity firm Accel-KKR acquired it, with American Express continuing on as both a customer and reference account. That ownership history is notable: 15 years operating inside a major financial institution gave Accertify a rare depth of exposure to real-world, high-volume payment fraud patterns before it became an independent, PE-backed software vendor competing more directly with standalone fraud platforms.

For CISOs and fraud leaders, Accertify’s differentiation is scale and payments-industry pedigree — the company reports serving roughly 40% of the top 100 online retailers along with major airlines and sports-betting platforms. The risk to monitor post-spinout is whether product investment and roadmap pace hold up now that Accertify must fund its own R&D independent of American Express’s balance sheet.