Identity-first fraud prevention for digital goods and services

Secure your service from account creation and free trials through to first payments and renewals with the industry’s leading identity verification and fraud detection solution.

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“With Oneytrust we were able to tackle the fraud rings that targeted our business, while still being able to expand our business internationally. We really appreciate the support of the team and value our partnership.”

FRÉDÉRIC MARECAILLE

Head of payment & fraud at Verbaudet

Industry Challenges

Gaming: Stop trial and account abuses in gaming Block multi-accounting at signup with identity, device, and email/hone lookups. Detect takeovers via device and identity consistency and continuity. Use risk-based 3DS/SCAw for first payments. MIT logic supported.
Gambling: Real account security via robust identity verification Stop bot, mule, and fraud accounts from infecting your service by using the most comprehensive identity service in the market.
Medtech services: Prescriptions, treatments, appointments, and doctors-on-call need tailored fraud protection. Verify identity and consent upfront. Flag first shipments as higher risk. Process refills and renewals as merchant- or customer-initiated payments.

The Top Fraud Challenges for Digital subscriptions businesses

Relentless competition and attractive offers for new users leave digital businesses open to exploitation. Account security is key, and while robust onboarding is essential, continuous and automated identity and transactions checks are required with no undue impact on the user experience.

Key Threats:

  • Free-trial & promo abuse:
    Multi-accounting, burner emails/phones, device farms, VPN/geo spoofing
  • Account takeover & sharing:
    Credential-stuffing, password recycling; multiple concurrent streams beyond policy
  • First-payment & renewals risk:
    Friendly fraud on initial charge; disputes on renewals 

How Oneytrust Stops Digital Subscriptions Services fraud

Oneytrust combines deep identity validation and lookups, device and behavioral signals with millions of validated identities to secure the key stages for any digital subscription business.


Key Features

Securing sign up and trials: email/phone/device trust and IP intelligence are mapped on a graph network to prevent multi-accounting and repeat sign-ups by blocked users.
At login & during session: Frictionless Account Takeover (ATO) Detection detection via device continuity, behavioral tells, velocity rules; challenge or lock if high-risk takeover suspected.
Renewals & reactivations: Supports Merchant-Initiated Transactions (MIT) logic, tagging payments for better approval rates, passive verification, and ATO checks.
First paid transaction: Automatic or risk-based SCA challenge for new users. Payment device/velocity/locations checks and adaptive risk scoring
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FAQs: What digital subscription services
fraud experts are asking

Implement robust KYC at onboarding plus continuous monitoring. Establish robust identity checks at sign-up and ongoing with a reputable supplier with local data expertise.
Show evidence of document verification, age/geo checks, self-exclusion enforcement with durable identifiers, device/network risk controls, and risk-based SCA on payments. Maintain audit trails to evidence compliance during assessments.

Use risk-based identity verification. Start with silent checks (data/PII consistency, phone/email risk, device integrity, IP/VPN reputation). If signals agree, approve instantly. If they conflict, step up to a validated identity database. Cached known good devices and only re-verify at risky events (payment method change, new device)

Verify legal identity and consent at enrollment using data/document checks, then align ongoing verification to risk and regulation (e.g., when accessing sensitive records, changing addresses, or upgrading services). Keep tamper-evident audit trails, apply periodic reverification for higher-risk cohorts, and ensure PHI handling complies with applicable standards (e.g., GDPR)

Yes. Use risk-based authentication: challenge first payments and risky scenarios (new device/geo, unusual spend, card updates), and allow low-risk renewals to proceed as Merchant-Initiated Transactions (MIT) or via exemptions permitted by local regulation. Continuously feed device, behavior, and transaction risk into your SCA decisioning to minimize friction while staying compliant.

See how Oneytrust can secure your subscriptions and accounts

Digital services businesses have unique challenges that require finely-tuned solutions
backed with real, local expertise. Talk to us about how we can keep fraud at bay.

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