Frequently Asked Questions

Corgi Model is an AI-powered payment decision engine that accepts more good payments and blocks more bad ones. The results include increasing your payment acceptance rate, which allows you to capture more orders to grow revenue by 3–12%, and reducing fraud and chargebacks.

Unlike one-size-fits-all fraud tools that are trained on generic data, Corgi models are exclusively built on your unique transaction history so the system learns to approve your real customers instead of blocking them—and stop the fraudsters from slipping through.

Yes, Corgi Model is worth it, with customers reporting a 3–12% increase in revenue, 70–95% decrease in chargebacks, up to 45% reduction in false declines, and up to 60% faster fraud trend detection. It works with your existing payment processor, and implementation is easy.

We serve mid-sized and enterprise companies who sell physical products online (luxury goods, consumer retail, cross-border), those who charge customers on a subscription or usage basis (subscription, SaaS/AI, gaming), and those who deliver instantly or are sensitive to fraud losses (travel/ticketing, gift cards/prepaid, staples/commodities). Our customers generally have:

• 8,000+ online transactions per month (volume baseline to train a robust model)
• 3+ months of processing history (enough history to capture trends and seasonality)
• Historical fraud cases (prior examples help the model learn fraud patterns)

These are guidelines, not hard-and-fast rules. Predictive models like ours benefit from larger sample sizes in the data used to build and train the model.

Yes, your team can view and respond to chargebacks. We also provide advanced analytics and actionable suggestions to help reduce fraud and improve operational efficiency. Corgi Model provides intelligent predictions on chargeback and fraud likelihood, flagging risky payments to you before a chargeback occurs.

We use advanced machine learning algorithms to analyze transaction patterns, detect anomalies, and identify potentially fraudulent activities in real time. Our solutions help reduce chargebacks, false positives, and financial losses.

Yes, dedicated payment optimization experts guide you through setup and help you maximize your results and ROI.

We offer performance-based pricing based on transaction volume and performance—typically 0.2–0.3% of approved order volume that runs through Corgi Model plus 5% of your revenue increase. This aligns our incentives with your success: you only pay more when we deliver more value. With customers seeing 3–12% revenue increases, ROI is commonly 500–2,000% within the first year, and is positive on day one.

During onboarding, our team works with you to understand your specific needs, integrate our solution with your systems, configure fraud detection rules, and train your team on using the platform effectively.

Most clients see payment performance improvements immediately, but performance keeps improving as more resolved payment transactions feed into the training data and the model continues learning. Average ROI is 500–2,000% within the first year, with many customers recovering $1M+ in previously lost revenue.

Yes, Corgi Labs is SOC 2 certified. We never store full credit card numbers or sensitive payment data. All data is encrypted in transit (TLS 1.3) and at rest (AES-256). We process only the transaction metadata needed for fraud scoring, not cardholder data. We do not sell customer data. Data is used solely to provide and secure the Corgi platform and may be processed by trusted infrastructure and security providers under strict contractual and security controls.

Your transaction data is used to train models specifically for your business. We do not share your identifiable data with other merchants or use it to train competitor models. Data remains within our secure cloud infrastructure, and access is limited to authorized users through role-based permissions. We do not pool identifiable merchant data.

We offer seamless API integrations that can be implemented quickly without disrupting existing workflows. Our team provides dedicated support throughout the integration process and ongoing optimization. No development work is required by your team. Corgi Model is designed to integrate with most major payment providers and ecommerce platforms. If you process transactions digitally, there's a strong likelihood we can connect to your existing stack. Contact us to quickly confirm compatibility with your specific setup.

Corgi Intelligence Pro comes with Corgi Model and can also be purchased separately after a free trial. Learn more about Corgi Intelligence.

Corgi Model can run alongside your current fraud system or replace it entirely. You can start by layering it on top of your existing setup and testing in shadow mode with no changes required. Once you're confident in performance, you can switch fully to Corgi Model to reduce false declines and approve more good customers.

For an ecommerce retailer selling physical goods, the payment acceptance rate—the percentage of attempted card transactions that are approved—is a key metric, but one that enterprise and mid-size companies may not be paying much attention to.

A higher payment acceptance rate means more orders successfully captured, fewer lost sales at checkout, and improved customer experience. Conversely, low acceptance rates often indicate issues such as overly blunt fraud filters, poor card-bin acceptance, or operational inefficiencies, all of which can:

• Reduce revenue
• Raise customer abandonment
• Increase cost per successful order

Authorization rates vary significantly by industry, but generally, an authorization rate below 85% is considered poor, 85–89% is fair, 90–94% is moderately good, and above 95% is usually very good. Knowing your authorization rate is the first step in gauging how much room for improvement you have in your payment performance. Contact us for a free payment acceptance rate analysis.

Corgi Model is designed to work alongside your existing payments stack, including tools such as Stripe Radar and other fraud platforms. It connects to your transaction data and builds machine learning models tailored specifically to your business—learning your customers, products, geographies, and historical fraud patterns. Because Corgi Model is optimized for your unique transaction behavior, many merchants use it to make more precise approval decisions, reduce unnecessary declines, and gain clearer visibility into payment performance. Some businesses continue using their existing tools in parallel, while others choose to simplify their stack over time based on performance and operational needs.

Traditional fraud tools optimize for blocking fraud, often with the unfortunate result of declining many legitimate customers (false declines). Corgi Model uses a revenue-first approach: our AI is trained to maximize approved legitimate transactions while maintaining strong fraud protection. We analyze patterns unique to your customer base (purchase behavior, geography, device fingerprints, order patterns, etc.) to accurately distinguish real buyers from fraudsters. The result is a 3–12% revenue increase from recovered false declines.

Most ecommerce retailers lose 5–15% of potential revenue to false declines—legitimate customers whose payments are incorrectly rejected. For a retailer with $5M in monthly revenue, that's $250K–$750K in lost sales every month, or $3M–$9M annually.

Corgi Intelligence is a visibility layer that helps you understand what's happening across your payments and revenue operations in real time. It connects to your payment processor and brings together key business metrics—such as payment conversion, revenue performance, dispute and fraud patterns, subscription activity, and churn behavior—into dashboards that are easy to interpret. No exports or SQL required. Beyond showing the data, Corgi Intelligence uses AI to surface insights and recommend next steps, so your team can quickly identify what's impacting performance and take action.

Yes! Corgi Intelligence is available as a standalone product. It’s perfect for businesses that want better payment visibility but aren’t yet ready for full AI payment optimization.

Corgi Intelligence is available as a free trial for 30 days. After that, you can sign up for paid tiers.

Corgi Intelligence is designed to integrate with most major payment providers and ecommerce platforms. If you process transactions digitally, there's a strong likelihood we can connect to your existing stack. Contact us to quickly confirm compatibility with your specific setup.

Within minutes of connecting your account, you'll see your first dashboard. Historical data is analyzed immediately, and real-time tracking begins as soon as you're connected. In most cases, your dashboard will be fully populated with your payments data within hours.

When you’re ready to automatically implement improvements based on the insights you’re seeing. We recommend upgrading when you hit 8,000+ monthly transactions and have at least 3 months of observable processing history.