Wyllo

The best fraud and risk intelligence should make you more confident, not more cautious. Wyllo unifies identity and behavioral signals across the customer journey in one dynamic intelligence layer.

Wyllo is risk intelligence for commerce. Our platform reads end-to-end intent for ecommerce fraud protection, stopping abuse & chargebacks.

"Wyllo flags suspicious return behaviors as they occur, which allows us to block that refund before it occurs."

Jim Green

Director of Operations & Logistics at Everlane

Happy Returns and Wyllo

The Happy Returns + Wyllo model - made of three layers that work together:

In-person item scanning at drop-off. Barcode, product-match and quantity checks give physical proof of what’s actually being returned.
Behavioral risk scoring. Wyllo flags risky returns in real time and holds the refund.
AI-powered auditing. Fraud is confirmed before the item reaches the warehouse, and every confirmed signal makes the next decision more accurate.

Challenges

Mail-in returns have a 6x higher fraud rate than in-person, box-free drop-off.
In-person drop-off with item verification cuts return fraud by at least 85%.
About 1% of shoppers are flagged as risky returners, and they’re 85x more likely to be flagged than average.
Nearly 1 in 10 returns is fraudulent.

“Trusted shoppers never feel it. The 1% can’t get around it.”

Benefits

Less friction for good customers: the trusted 99% get an easy return, and only the risky 1% go through verification before the refund clears.
No refund on carrier scan: a flagged return isn’t refunded until it’s been audited, which shuts down empty-box, box-of-rocks and fake-tracking scams.
Margin and retention: fraud prevention becomes a growth lever instead of only a cost line.

Use Cases

Fake Tracking ID (FTID): Everlane sees $30K+ in monthly return fraud blocked

Wyllo scores intent the moment a return starts, holding refunds on fake tracking ID returns. HappyReturns article: How Everlane Plugged Fraudulent Returns Leaks https://happyreturns.com/resource/everlane-case-study

Empty Box and Overstated Quantity Returns

Wyllo flags the risky return, and Return Bar® associates count and check every item in person before the refund.

Decoy Returns and Price Switching

Wyllo flags a mismatch risk, and Return Vision™ compares the item to catalog photos at the Return Bar® before the refund.

Wardrobing and Worn Item Returns

Wyllo spots serial returners by their return history, and Return Bar® associates check item condition in person.

Repeat Offenders and Abuse Rings

Wyllo links accounts, devices and return history to one bad actor, then blocks them at their next checkout.

Only Trusted Customers Keep Seamless Experience

Extra checks apply only where Wyllo sees risk, so trusted shoppers keep instant, box-free refunds at the Return Bar®.

The best fraud and risk intelligence should make you more confident, not more cautious. Wyllo unifies identity and behavioral signals across the customer journey in one dynamic intelligence layer.

Happy Returns and Wyllo

Use Cases

Media

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