Account Takeover Fraud Detection

Identity theft is growing year over year, with even more sophisticated methods being developed by cybercriminals. Account Takeover (ATO) fraud is just one form of identity theft — but it can have devastating impacts on the companies it affects. A proactive approach to mitigating compromised accounts is the best solution to prevent account takeover. This typically involves monitoring logins to identify suspicious behavior signals based on historical data from past logins.

Using a simple API request, your entire company can prevent account takeover in just a few minutes with our credential stuffing solution to secure new user registrations and logins from new devices. IPQS monitors millions of compromised data points daily to detect at risk accounts before they are breached on your platform.

What is Account Takeover? Account takeover (ATO) fraud occurs when an account owner's credentials are compromised by phishing, malware, or a data breach in which an attacker gains unauthorized access. Accounts frequently targeted by account takeover breaches occur on financial platforms such as banks and credit card institutions — but can also affect other platforms with sensitive user data.

2023 has already shown a 9% increase in account takeover fraud — causing over $17 billion in losses. Platforms will continue to be breached and every day new data is compromised online. This exposes millions of users per day to increased risk for losing access to their accounts through credential stuffing attacks. Bank account takeover is especially popular as cybercriminals prefer financial incentives as they breach accounts.

Confidently detect credential stuffing attacks without impacting the user experience for legitimate user accounts. IPQS scores over 300 data points about a user's behavior to identify when stolen user data or unauthorized access is attempted for any account on your network. IPQS provides account takeover protection by detecting geolocation issues, such as when a user spoofing their location or in a different location than an account typically is active in. Instantly screen users during registration or login with live credential stuffing attack prevention.

Prevent credential stuffing with real-time monitoring powered by IPQS account takeover fraud detection. Personal data for thousands of accounts are being leaked and sold on the dark web everyday. Quicky deploy industry leading credential stuffing mitigation across your site to detect "cred stuffing" attacks which could allow bad actors to gain access to legitimate user accounts. Expert bot management combined with dark web monitoring, completely protects against credential stuffing attacks for banking, dating, gaming, travel, and similar niches.

IPQS uses a mixture of our malicious URL scanner technology and advanced domain reputation to accurately prevent credential stuffing attacks. Once a user has gained access to an account through account takeover attacks, they will quickly take advantage of the credentials to execute financial transfers, asset sales, and attempt to charge unauthorized purchases. Time is key here as the hacker typically has limited time before a client recognizes a suspicious login. Cybercriminals will quickly initiate the transfers, while doing their best to blend with a normal user's behavior patterns.

IPQS provides complete ATO fraud detection and cred stuffing protection across any industry. Our account takeover fraud detection technology strongly excels in the financial sector, providing ATO prevention for US, CA, and Europe's top financial institutions, including advanced detection for password spraying, password stuffing, phishing, and credential stuffing attacks. Enterprise grade IP reputation analysis is a proven solution for identifying high risk devices infected by botnets & malware. Deploy a comprehensive fraud detection suite to monitor bank accounts, fraudulent transactions, stolen credentials, and prevent vulnerable access points that could allow fraudsters to gain unauthorized access.

IPQS enables your team to activate a full suite of fraud protection tools — all with 1 monthly plan to detect bots, screen new user applications, and accurately prevent account takeovers. Working with just one security provider to fit all of your risk analysis needs simplifies integration to prevent abusive behavior across all aspects of your company.