Kount (kount)

Kount is a Boise, Idaho-based fraud prevention and chargeback management platform, now operating as part of Equifax. Kount combines AI-driven risk scoring, device fingerprinting, identity intelligence, and a multi-tenant global data network to help merchants, payment processors, and digital businesses stop payment fraud, account takeover, and chargebacks while reducing false positives. The Kount 360 platform offers Payments Fraud, Account Takeover Protection, Chargeback Management, and Identity Trust services exposed through REST APIs, mobile SDKs, a JavaScript Data Collector, and e-commerce platform plugins.

URL: Visit APIs.json URL

Run: Capabilities Using Naftiko

Tags:

• Fraud Prevention, Fraud Detection, Chargebacks, Payments, Identity, Risk Scoring, Device Intelligence, Account Takeover

Timestamps

• Created: 2026-05-25
• Modified: 2026-05-25

APIs

Kount Payments Fraud API

The Payments Fraud API is the core REST endpoint of the Kount 360 platform for AI-driven digital fraud prevention. Merchants submit order, payment, customer, and device session data, and receive a real-time risk decision (Approve, Decline, Review) along with a risk score and reason codes. Authentication is via OAuth 2.0 bearer tokens. A sandbox is available at api-sandbox.kount.com and production at api.kount.com.

Human URL: https://developer.kount.com/hc/en-us/articles/14474979202068-Payments-Fraud-v2-0-Integration-Guide

Tags:

• Payments Fraud, Risk Scoring, Decisioning

Properties

• Documentation
• APIReference
• Authentication

Kount Risk Inquiry Service (RIS) API

The Risk Inquiry Service (RIS) is Kount's legacy RESTful API for transaction risk evaluation. RIS joins device data from the JavaScript Data Collector with merchant-supplied order data, scores each transaction, and returns Approve, Decline, or Review responses. Transactions continue to be evaluated and re-scored for up to fourteen days. Sub-resources cover VIP lists (card, email, device, address, payment, gift, UDF), order detail, refund/chargeback (RFCB), and 3DS transaction tagging. Test endpoint api.test.kount.net/rpc/v1 and production api.kount.net/rpc/v1.

Human URL: https://developer.kount.com/hc/en-us/articles/4411554840980-RESTful-Endpoint-API-Specification-and-Error-Codes

Tags:

• Risk Inquiry, Transactions, VIP Lists, Chargebacks

Properties

• Documentation
• APIReference
• SDK - RIS Java SDK
• SDK - RIS PHP SDK
• SDK - RIS Python SDK
• SDK - RIS .NET SDK

Kount Data Collector

The Kount Data Collector is a client-side JavaScript and mobile SDK component that gathers device fingerprinting and behavioral session data — including device characteristics, browser attributes, IP geolocation, and proxy detection — and ties it to a session identifier that is later submitted to RIS or the Payments Fraud API. The Data Collector is delivered as a hosted JavaScript snippet, an Android SDK, and an iOS SDK (both Objective-C/Swift bridge and pure-Swift variants).

Human URL: https://developer.kount.com/hc/en-us

Tags:

• Device Intelligence, Fingerprinting, Session

Properties

• Documentation
• SDK - Web (JavaScript) SDK
• SDK - Android SDK
• SDK - iOS SDK (Objective-C)
• SDK - iOS SDK (Swift)

Common Properties

• Website
• Portal
• Developer
• Documentation
• GettingStarted
• GitHubOrganization
• Support
• LinkedIn
• ParentCompany - Equifax (Parent Company)
• SDK - RIS Java SDK
• SDK - RIS PHP SDK
• SDK - RIS Python SDK
• SDK - RIS .NET SDK
• SDK - Android Data Collector SDK
• SDK - iOS Data Collector SDK (Objective-C)
• SDK - iOS Data Collector SDK (Swift)
• SDK - Web (JavaScript) Data Collector SDK
• Integrations - Magento 2 Plugin (Kount 360)
• Integrations - Salesforce Commerce Cloud Link
• Sample - Sample E-Commerce Web App

Features

Name	Description
AI-Driven Risk Scoring	Machine learning models score each transaction in real time and return Approve, Decline, or Review decisions with reason codes.
Device Fingerprinting	JavaScript and mobile Data Collectors capture device, browser, network, and behavioral signals tied to a session identifier.
Identity Trust Network	A multi-tenant global data network correlates personas across merchants to identify trusted customers and known fraudsters.
Chargeback Management	Refund/Chargeback (RFCB) reporting plus dispute response workflows reduce chargeback losses and recover revenue.
Account Takeover Protection	Login and account-change risk scoring detects credential stuffing, session hijacking, and synthetic account creation.
VIP Lists	Merchant-managed allow/deny lists for cards, emails, devices, addresses, payment instruments, gift cards, and custom UDFs.
3-D Secure Orchestration	3DS transaction tagging API supports step-up authentication for stronger customer authentication where required.
Custom Decisioning Rules	Merchants can layer business rules on top of the model score via the Agent Web Console.
Mobile SDKs	Native Android and iOS SDKs (Objective-C and Swift) for in-app device data collection.
E-Commerce Platform Plugins	Out-of-the-box integrations for Magento 2, Shopify, Salesforce Commerce Cloud, and Miva.

Use Cases

Name	Description
Card-Not-Present Payment Fraud	Score e-commerce CNP transactions for stolen-card and BIN-attack fraud before authorization.
Chargeback Reduction	Pre-authorization screening and post-transaction chargeback tagging to reduce chargeback ratios.
Account Takeover Defense	Score login and password-reset events to block credential-stuffing and ATO attempts.
New Account Fraud	Screen account-creation events for synthetic identities and bot signups.
Digital Goods and Gift Card Fraud	High-velocity digital goods and gift-card flows benefit from device + persona network signals.
Marketplace Trust	Two-sided marketplaces use Kount to vet both buyers and sellers.
Promo Abuse and Policy Abuse	Detect coupon stacking, refund abuse, and other policy-abuse patterns via custom rules and UDFs.

Integrations

Name	Description
Magento 2	Official Magento 2 plugin for the Kount 360 platform.
Shopify	Shopify app integration for Kount risk decisioning.
Salesforce Commerce Cloud	SFCC Link cartridge for Kount integration.
Miva	Miva e-commerce platform integration documented in Miva developer docs.
Equifax	Parent-company integration with Equifax identity and credit data services.

Solutions

Name	Description
Kount 360	Unified fraud prevention platform combining Payments Fraud, Account Takeover, and Chargeback Management on a single AI model.
Payments Fraud	Real-time CNP transaction screening for merchants and payment processors.
Account Takeover Protection	Login and account-event risk scoring to block credential abuse.
Chargeback Management	Pre-transaction prevention plus post-transaction dispute response workflows.
Identity Trust Global Network	Cross-merchant persona data network underlying all Kount decisions.

Maintainers

FN: Kin Lane

Email: kin@apievangelist.com