How Payop Scaled Global Payment Coverage While Blocking Fraud Across 500+ Payment Methods

About Payop

Payop is a global payment service provider offering over 500 local and international payment methods. Headquartered in Europe, the company serves merchants across digital goods, gaming and online marketplaces in Asia, EMEA and the Americas.  

With the COVID-19 pandemic accelerating global eCommerce growth, Payop experienced a surge in transaction volumes, along with an unprecedented wave of fraud.

The Challenge: A Pandemic-Era Surge

As lockdowns drove consumers online, fraudsters followed.

“It was COVID time. Everybody was locked at home. We expected a much higher amount of transactions because people started purchasing online. But we never expected that all fraudsters would start working so actively.”

Anastasia Semenkova, Chief Executive Officer, Payop

For the first time, Payop faced systematic, coordinated fraud attacks — waves of fraudulent transactions and chargebacks targeting digital goods merchants.

Several key challenges emerged:

• Coordinated chargeback schemes: Fraudsters launched organized attacks across multiple merchants, overwhelming internal detection tools.
• Merchant vulnerability: Many merchants lacked sophisticated fraud prevention systems or proper configuration, creating platform-wide exposure.
• Resource strain on internal teams: Support and risk teams were overwhelmed by escalating fraud cases, manual reviews and urgent partner communications, during a period when transaction volumes were already surging.
• Systemic platform risk: Fraud attacks that started on a single merchant could quickly spread across the platform. Without a unified fraud intelligence layer, containment was reactive rather than proactive.
• Partnership risk: Escalating chargebacks threatened Payop’s relationships with acquiring banks and payment partners.

The Solution: SEON’s AI-Powered Platform

As coordinated fraud escalated, Payop made the strategic decision to integrate a centralized anti-fraud engine directly into its payment infrastructure.

“We decided that we must integrate anti-fraud into our own solution. It wasn’t common for payment companies at that time — but now it’s an industry standard.”

Anastasia Semenkova, Chief Executive Officer, Payop

Payop selected SEON’s AI-powered fraud platform to protect both its own operations and its global merchant base. SEON delivered a unified fraud prevention layer combining:

• Device Intelligence: Persistent device-level identification exposed fraudsters attempting to rotate cookies, change browsers, simulate mobile payments or operate via virtual machines.

“With device fingerprinting, we have a full overview. People change cookies or browsers, but they’re still using the same device and trying to simulate a new payment.”

• Digital Footprint Analysis & Behavioral Signals: Rich digital data points strengthened risk assessment beyond transaction-level checks, helping Payop identify coordinated activity early.
• AI & Machine Learning Risk Scoring: Real-time risk scoring and adaptive models enabled instant identification and blocking of suspicious transactions across all 500+ payment methods.
• Platform-Wide Fraud Containment: Fraud detected on one merchant site can be immediately blocked across the entire ecosystem, preventing systemic spread.

“SEON gives us system-wide visibility. Even if fraud starts on one merchant, we block it across the platform before it spreads.”

• AML & Compliance Built-In: Integrated sanctions screening and compliance capabilities streamlined regulatory obligations without adding operational burden.
• Expert Support & Continuous Optimization: SEON’s fraud specialists worked closely with Payop to refine rules, respond to urgent issues and adapt to evolving fraud tactics.

“Anti-fraud must work 24/7… The team explains everything in understandable ways and reacts very quickly.”

Scaling Securely Into the Future

As Payop continues expanding into new digital verticals and payment corridors, SEON remains central to its fraud prevention and compliance strategy.

“SEON’s constant product updates and fraud detection capabilities keep us ahead. We now spot fraud trends early — sometimes before merchants even notice.”

By combining device intelligence, digital footprint analysis, AI-driven risk scoring and AML compliance tools in one unified platform, SEON enables Payop to scale globally without scaling fraud risk.