Signifyd

aid: signifyd
url: https://raw.githubusercontent.com/api-evangelist/signifyd/refs/heads/main/apis.yml
name: Signifyd
description: Signifyd is an ecommerce fraud prevention, chargeback protection, and revenue optimization
  platform. Its Commerce Protection Platform applies machine learning, elastic linking, and the merchant
  consortium network (covering ~98% of US online shoppers) to make real-time guarantee decisions on
  orders. Merchants integrate via the Checkout, Sale, Transaction, Decisions, Returns, Sales Tax, and
  Feedback APIs (v2 and v3) with synchronous responses or asynchronous webhooks, plus device-fingerprinting
  scripts and Android/iOS SDKs. Signifyd financially guarantees approved orders against chargebacks and
  offers Account Protection, Payments Optimization, and Return Abuse Prevention as adjacent products.
tags:
- Fraud
- Fraud Prevention
- Chargebacks
- Ecommerce
- Payments
- Risk
- Machine Learning
- Commerce Protection
- Account Protection
- Returns
kind: contract
image: https://kinlane-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg
access: 3rd-Party
apis:
- aid: signifyd:signifyd-sale-api
  name: Signifyd Sale (Checkout) API
  tags:
  - Sale
  - Checkout
  - Fraud
  - Orders
  - Ecommerce
  humanURL: https://developer.signifyd.com/main/reference
  properties:
  - url: https://developer.signifyd.com/main/reference
    type: Documentation
  - url: https://developer.signifyd.com/main/docs/getting-started
    type: GettingStarted
  description: Submit checkout and sale events to Signifyd's Commerce Protection Platform for real-time
    fraud and chargeback risk evaluation. The Checkout flow supports pre-authorization screening, while
    the Sale flow handles post-authorization order submission. Responses return a guarantee decision —
    ACCEPT, HOLD, or REJECT — typically within hundreds of milliseconds, with results delivered
    synchronously and/or via the ORDER_CHECKPOINT_ACTION_UPDATE webhook.
- aid: signifyd:signifyd-transaction-api
  name: Signifyd Transaction API
  tags:
  - Transactions
  - Payments
  - Fraud
  - Ecommerce
  humanURL: https://developer.signifyd.com/main/reference
  properties:
  - url: https://developer.signifyd.com/main/reference
    type: Documentation
  description: Submit finalized order and payment transaction details after authorization. Enables
    Signifyd to reconcile the pre-auth Checkout decision with the captured transaction, evaluate any
    post-auth risk signals, and finalize the chargeback guarantee. Decision results are delivered via
    the TRANSACTION checkpoint webhook.
- aid: signifyd:signifyd-decisions-api
  name: Signifyd Decisions API
  tags:
  - Decisions
  - Fraud
  - Cases
  - Risk
  humanURL: https://developer.signifyd.com/main/reference
  properties:
  - url: https://developer.signifyd.com/main/reference
    type: Documentation
  description: Programmatically retrieve guarantee decisions, case details, and policy results for
    orders submitted to Signifyd. Surfaces the checkpointAction (ACCEPT/HOLD/REJECT), checkpointActionReason,
    matched policies, and the machine learning score so merchants can drive downstream capture, ship,
    cancel, or manual-review workflows.
- aid: signifyd:signifyd-feedback-api
  name: Signifyd Feedback API
  tags:
  - Feedback
  - Fraud
  - Machine Learning
  - Chargebacks
  humanURL: https://developer.signifyd.com/main/docs/feedback-api-overview
  properties:
  - url: https://developer.signifyd.com/main/docs/feedback-api-overview
    type: Documentation
  - url: https://developer.signifyd.com/main/reference
    type: Documentation
  description: Report observed user outcomes back to Signifyd to close the loop between real-time
    decisions and production reality. Feedback drives model improvement, business customization, and
    rules optimization. Dedicated endpoints exist for the Account Integrity flows (Account Opening,
    Login, Modification) as well as for chargeback and fraud outcome reporting.
- aid: signifyd:signifyd-returns-api
  name: Signifyd Returns API
  tags:
  - Returns
  - Return Abuse
  - Fraud
  - Refunds
  humanURL: https://developer.signifyd.com/main/reference
  properties:
  - url: https://developer.signifyd.com/main/reference
    type: Documentation
  description: Submit return events for evaluation by Signifyd's Return Insights and Return Abuse
    Prevention models. Helps merchants identify abusive returners, automate refund decisions, and power
    the Instant Refunds product without absorbing fraud loss.
- aid: signifyd:signifyd-sales-tax-api
  name: Signifyd Sales Tax API
  tags:
  - Sales Tax
  - Tax
  - Compliance
  - Ecommerce
  humanURL: https://developer.signifyd.com/main/reference
  properties:
  - url: https://developer.signifyd.com/main/reference
    type: Documentation
  description: Calculate and remit US sales tax across jurisdictions using Signifyd's Sales Tax product.
    Provides nexus-aware rate lookup, tax calculation at checkout, and the data feeds required for
    filing and remittance.
- aid: signifyd:signifyd-account-protection-api
  name: Signifyd Account Protection API
  tags:
  - Account Protection
  - Identity
  - Fraud
  - Authentication
  humanURL: https://developer.signifyd.com/main/reference
  properties:
  - url: https://developer.signifyd.com/main/reference
    type: Documentation
  description: Score and protect non-purchase customer journeys — Account Opening, Login, and
    Modification events — against account takeover, synthetic identity, and bonus abuse. Pairs with
    dedicated Feedback endpoints for each Account Integrity checkpoint so models can adapt to observed
    outcomes.
- aid: signifyd:signifyd-webhooks-api
  name: Signifyd Webhooks API
  tags:
  - Webhooks
  - Events
  - Decisions
  - Async
  humanURL: https://developer.signifyd.com/main/docs/configuring-webhooks
  properties:
  - url: https://developer.signifyd.com/main/docs/configuring-webhooks
    type: Documentation
  - url: https://developer.signifyd.com/main/reference
    type: Documentation
  description: Receive asynchronous decision notifications from Signifyd. The primary topic is
    ORDER_CHECKPOINT_ACTION_UPDATE, covering CHECKOUT, SALE, TRANSACTION, REROUTE, MERCHANT_REVIEW,
    and SIGNIFYD_REVIEW checkpoints. Each delivery is signed with an HMAC-SHA256 signature in the
    SIGNIFYD-SEC-HMAC-SHA256 header, keyed by the team's API key, so receivers can verify authenticity.
common:
- url: https://www.signifyd.com
  type: Portal
- url: https://developer.signifyd.com/
  name: Signifyd Developer Hub
  type: Portal
- url: https://developer.signifyd.com/main/docs
  name: Signifyd Documentation
  type: Documentation
- url: https://developer.signifyd.com/main/reference
  name: Signifyd API Reference
  type: Documentation
- url: https://developer.signifyd.com/main/v3.0/reference
  name: Signifyd v3.0 API Reference
  type: Documentation
- url: https://developer.signifyd.com/main/v2.0/reference
  name: Signifyd v2.0 API Reference
  type: Documentation
- url: https://developer.signifyd.com/main/docs/getting-started
  name: Getting Started
  type: GettingStarted
- url: https://developer.signifyd.com/main/docs/authenticating
  name: Authentication
  type: Authentication
- url: https://developer.signifyd.com/main/docs/configuring-webhooks
  name: Configuring Webhooks
  type: Documentation
- url: https://www.signifyd.com/pricing/
  name: Pricing
  type: Pricing
- url: https://www.signifyd.com/about-us/
  name: About Signifyd
  type: AboutUs
- url: https://www.signifyd.com/blog/
  name: Signifyd Blog
  type: Blog
- url: https://www.signifyd.com/customers/
  name: Customers
  type: CaseStudies
- url: https://www.signifyd.com/resources/
  name: Resources
  type: Library
- url: https://www.signifyd.com/legal/privacy-policy/
  type: PrivacyPolicy
- url: https://www.signifyd.com/legal/terms-of-use/
  type: TermsOfService
- url: https://support.signifyd.com/
  name: Signifyd Support
  type: Support
- url: https://www.linkedin.com/company/signifyd
  type: LinkedIn
- url: https://twitter.com/signifyd
  type: Twitter
- url: https://www.youtube.com/c/Signifyd
  type: YouTube
- url: https://github.com/signifyd
  name: Signifyd on GitHub
  type: GitHubOrganization
- url: https://github.com/signifyd/php
  name: PHP Library
  type: SDK
- url: https://github.com/signifyd/magento2
  name: Magento 2 Extension
  type: Integrations
- url: https://github.com/signifyd/magento1
  name: Magento 1 Extension
  type: Integrations
- url: https://github.com/signifyd/Salesforce-Commerce-Cloud
  name: Salesforce Commerce Cloud Cartridge
  type: Integrations
- url: https://github.com/signifyd/docs
  name: Signifyd API Blueprint
  type: Documentation
- type: Features
  data:
  - Commerce Protection Platform — real-time guarantee decisions on every order
  - 100% financial guarantee against fraudulent chargebacks on approved orders
  - Merchant consortium network covering ~98% of US online shoppers for elastic linking
  - Synchronous decision API responses typically returned in hundreds of milliseconds
  - Asynchronous webhook delivery (ORDER_CHECKPOINT_ACTION_UPDATE) with HMAC-SHA256 signatures
  - Checkout API for pre-authorization fraud screening
  - Sale and Transaction APIs for post-authorization order submission
  - Decisions API to retrieve checkpointAction, policies, and score
  - Account Protection for Account Opening, Login, and Modification checkpoints
  - Feedback API to close the loop between decisions and observed outcomes
  - Returns API powering Return Insights, Return Abuse Prevention, and Instant Refunds
  - Sales Tax API for nexus-aware US tax calculation, filing, and remittance
  - Payments Optimization / Fearless Payments for authorization rate uplift and 3DS routing
  - Device profiling JavaScript snippet and Android/iOS SDKs
  - Native integrations with Shopify, BigCommerce, Magento/Adobe Commerce, Salesforce Commerce Cloud,
    SAP Commerce, commercetools, Stripe, Adyen, Braintree, and major marketplaces
  - Open-source PHP library plus Magento 1, Magento 2, and SFCC cartridges on GitHub
  sources:
  - https://www.signifyd.com
  - https://developer.signifyd.com/
  - https://developer.signifyd.com/main/docs/getting-started
  - https://developer.signifyd.com/main/docs/configuring-webhooks
  - https://github.com/signifyd
  updated: '2026-05-25'
maintainers:
- FN: Kin Lane
  email: [email protected]
  X: apievangelist
  url: https://apievangelist.com
created: '2026-05-25'
modified: '2026-05-25'
position: Consuming
specificationVersion: '0.16'