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51% of eCommerce Merchants Hold the Line on Fraud Staffing

Retailers are pivoting away from manual fraud staffing in favor of automated technology to streamline the checkout experience and cut costs.

Curated by Financing Your Way from original reporting by PYMNTS. Summary is AI-assisted and editorially reviewed — see our editorial standards.

FYWBy Financing Your Way EditorialSeptember 25, 2026

Retailers are shifting their fraud prevention strategy from manual labor to automated technology. Current data shows that over half of e-commerce merchants plan to keep their fraud staffing levels flat or even decrease them. Instead, 63% are prioritizing investments in fraud-management software and 'orchestration' tools. For your business, this means the focus is shifting toward efficiency. You don't need a larger team to manage risk; you need better systems that can identify legitimate customers and block bad actors in real-time without slowing down the checkout process. This trend is particularly important for merchants offering high-ticket consumer financing or BNPL options. Automated fraud tools allow you to vet applicants instantly, reducing the 'friction' that often causes customers to abandon their carts. By using technology to handle the heavy lifting, you can maintain high security standards without the overhead of a large manual review team. The goal is to create a seamless path to purchase while letting the software flag the high-risk outliers. If your current financing partner doesn't offer robust, automated fraud detection, you may be falling behind competitors who are using these tools to lower operating costs.

Source: PYMNTS

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