Using the power of fraud detection to increase approval rates and maximize sales
Online Payment Service Implementing "Forter" in "PG Multi-Payment Service"

GMO Internet Group, a GMO Payment Gateway, Inc. (TSE Prime Market: Stock Code 3769, President & Chief Executive Officer: Issei Ainoura hereinafter referred to as "GMO-PG"), which develops comprehensive payment-related services and finance-related services, will be listed as "PG Multi-Payment Service" on Online Payment Service from October 14, 2025 (Tuesday). Forter, Inc. (Co-Founder & CEO: Michael Reitblat) will implement Forter, a fraud detection service based on global transaction data.
This implementation leverages the real-time judgment of "Forter" in the flow of Credit card payment. In accordance with the approval logic of Japan domestic card companies and the operation of EMV 3-D Secure (3DS), we execute a one-flow process from risk-based transaction blocking to automatic application of 3DS in a way that is optimal for the Japan market. This allows businesses to reduce abandonment (abandoned carts), improve card payment approval rates, and deter fraud at the same time.
Based on this implementation, GMO-PG will not only limit fraud measures to "protection" but will also be converted into "offensive" measures that maximize sales opportunities for businesses.

【Background】

Japan credit card fraud has also increased with the expansion of cashless payment in Japan, and the amount of damage in 2024 has nearly doubled compared to 2019, five years ago, reaching 55.50 billion yen ^(*1)。 Risks unique to online Credit card payment are emerging, such as the infiltration of small series of attempts (card testing) to find out the effectiveness of stolen numbers during concentrated sales, high-frequency and large purchases for resale purposes, and the purchase of digital goods and high-value items through impersonation. In addition, fraudsters have recently been promoting the efficiency and automation of fraudulent activities with evolving AI technologies such as generative AI and AI agents, and there are concerns that fraud damage will continue to grow.
In light of this situation, the 3DS, which became mandatory in April 2025, has the effect of deterring spoofing, but there is a risk that additional authentication may lead to cart dropouts. In the case of frictionless (exemption from certification), cart abandonment can be prevented, but the risk of unauthorized passage remains, so appropriate operational design and fraud detection are required.
In addition, inadequate fraud measures can lead to an increase in fraud suspicious transaction blocks, resulting in lower approval rates. Conversely, if it is excessive, it will increase the false positive of legitimate transactions and result in lost sales opportunities. Businesses need to balance "fraud deterrence" and "improvement of approval rates".

• *1 Announcement on September 5, 2025 Japan Credit Association, "Credit Card fraud Damage Occurrence Status"
  URL：https://www.j-credit.or.jp/information/statistics/

[Features of the implementation of the fraud detection service "Forter"]

Forter is a fraud detection service that has strengths in machine learning based on the Actual of more than 300,000 companies around the world and 50 trillion yen of transaction data ^(*2) per year. Leveraging nearly 6,000 parameters and more than 1.8 billion identities, it detects fraud while reducing false positives with fully automated, real-time decisions. Companies in Japan have confirmed an average increase in approval rate of 10 points ^(*2)(*3).​
Since 2023, GMO-PG has been supporting the implementation of GMO-PG through customer introductions to Forter. Forter has been highly evaluated for its implementation capabilities and operational knowledge in handling more than 21 trillion yen ^(*4) of payment per year, which is equivalent to approximately 3.4% of gross domestic product (nominal GDP), and the relationship between the two companies has deepened and developed into integration at the implementation level. With the integration, GMO-PG provides an environment where you can use the fraud detection function as an option of "PG Multi-Payment Service". Operators can deploy JavaScript tags and minimal mapping, and chargeback information is seamlessly integrated.
This time, the Credit card payment flow of "PG Multi-Payment Service" incorporates the judgment results of "Forter" and can now be controlled at the API level. "Forter" determines all transactions in real time with rules suitable for the Japan online payment environment, and automatically sorts between transactions that should be used in 3DS and transactions that should be exempted. Real-time judgment prevents processing delays, and reduces unnecessary additional authentication through risk-based 3DS automatic application. This reduces the number of regular customer dropouts and increases approval rates.
On the operational side, it also reduces over-reliance on visual inspection and rule tuning, and reduces unnecessary 3DS authentication and false positives. In addition, it can integrate chargeback information linkage ^(*5), which will lead to continuous accuracy improvement.
As a result, while maintaining a smooth processing environment even during peak times such as sales and new product launches, it directly leads to KPI improvements such as higher approval rates, lower chargeback rates, and lower manual review rates.

• *2 Forter estimates. As of April 2025.
• *3 Among the introduction sites in Japan, it has been more than 6 months since the introduction and the approval rate can be accurately extracted.
  (Average unit price 37,000 yen, average period after introduction 22 months)
• *4 Consolidated figures as of the end of June 2025.
• *5 Only businesses that have signed a Credit card payment Comprehensive Merchant contract are eligible.

■Advantages of introduction (example by industry)

[Future developments]

GMO-PG is also considering providing consulting services to support further improvements by visualizing the approval rate of each business operator from multiple angles, such as by card company, period, and amount.
Based on this implementation, we will take root in the Japan market to achieve both "fraud deterrence" and "improvement of approval rates", and establish fraud detection as an "offensive" measure to maximize sales opportunities for businesses. At the same time, we will further expand our solutions to security risks that are barriers to business expansion, and provide proposals according to the business scale, issues, and circumstances of businesses to create an environment where they can transact with peace of mind, and contribute to the sustainable growth and development of the Japan online payment market.