Digital commerce brands lost an estimated $48 billion to fraud in 2025, and refund andpolicy abusejust displaced payment fraud as the top threat merchants report, according to theMerchant Risk Council’s 2026 Global eCommerce Payments & Fraud Report. Trust and safety teams at retail ecommerce brands are defending against a faster, more automated adversary, and static rules and manual review queues were never built for that fight. Why digital commerce brands are fraud’s biggest target right nowRetail ecommerce brands sit at the intersection of everything digital criminals want: stored payment methods, loyalty points, gift card balances, and a checkout flow designed to remove friction, not add it. That combination makes online retailers a more efficient target than almost any other digital business. TransUnion’s H1 2026 Top Fraud Trends Reportfound that nearly 7% of global fraud activity now involves deepfake AI, used to fabricate identities or bypass verification checks during account creation.