GMO-PG has fully deployed Forter’s AI decisioning platform to help Mercari combat credit card fraud. Validation by the 3 companies confirmed benefits including a higher overall payment volume while maintaining the 3D Secure usage rate and a substantial reduction in chargeback amounts.
On 15 October, GMO Payment Gateway announced that Mercari had formally adopted Forter’s AI decisioning platform to balance security with smooth payment processing. Validation by the 3 companies indicated that overall payment volume could be increased compared with the previous system while maintaining the 3D Secure usage rate, helping prevent an expansion of fraud risk.
The validation showed that the chargeback rate improved compared with the previous system while addressing increasingly sophisticated fraud methods, and that chargeback amounts could be reduced to approximately one-tenth. Forter’s real-time AI model updates also reduced Mercari’s operational workload.
For the full-scale deployment, GMO-PG built a Forter integration interface on its PG Multi-Payment Service and consolidated the process from AI decisioning requests through 3D Secure application and payment processing into a single API workflow. This enabled Mercari to proceed with the deployment while continuing to use its existing payment integration.