PSP / Credit Card Payment service TOP > Press release

Press Releases

Riskified Partners with SB Payment Service to Accelerate Revenue Growth for Ecommerce Merchants
Enabling merchants to improve authorization approval rates and increase sales under mandatory EMV 3-D Secure requirements

June 25, 2026

Riskified Ltd.

SB Payment Service Corp.

Riskified Ltd. (Israel, CEO: Ido Gal, NYSE: RSKD, hereinafter "Riskified"), a global leader in e-commerce fraud detection and risk intelligence, and SB Payment Service Corp. (Minato-ku, Tokyo, Representative Director, President & CISO: Tomonori Hotta, hereinafter "SBPS"), a subsidiary of SoftBank Corp. that plays a central role in its finance business, have commenced a partnership as of June 25, 2026. Based on this partnership, SBPS will begin supporting merchants using Online Payment Service in the introduction and utilization of Riskified's fraud detection solution, "Riskified" *. Merchants who have introduced "Riskified" will be able to maximize sales by optimizing the payment process while solving payment conversion challenges associated with the mandatory use of EMV 3-D Secure (identity verification service) by utilizing the highly accurate AI-powered fraud detection function "Checkout Intelligence".

"Riskified" is an AI-powered fraud prevention and risk management solution for e-commerce, aimed at "protecting e-commerce businesses from fraud risks and accelerating business growth." Leveraging proprietary data collected and analyzed worldwide, along with cutting-edge AI technology developed in-house, it provides comprehensive fraud prevention measures, including fraud detection during account creation, login, and attribute changes, real-time fraud detection by AI during payment ("Checkout Intelligence"), counter-evidence support in the event of chargebacks, and even policy abuse detection.

Through this partnership, SBPS will leverage its expertise as a PSP company and Online Payment Service infrastructure to support the implementation and utilization of "Riskified." In addition to deterring fraudulent use by merchants, this partnership will support the growth of e-commerce businesses by improving authorization approval rates and payment completion rates.

Background: Three operational options following the mandatory implementation of EMV 3-D Secure

In Japan, the surge in credit card fraud has made the implementation of "EMV 3-D Secure" mandatory for e-commerce sites. Merchants need to select an operational pattern (① to ③) while carefully considering the balance between fraud risk and lost opportunities.

Three patterns for EMV 3-D Secure operation:

Pattern ①
Certification is implemented based on the risk assessment of the member store.
Assuming that the comprehensive fraud prevention measures implemented by merchants have a fraud deterrent effect equivalent to or greater than EMV 3-D Secure, authentication will be performed as necessary, depending on the merchant's assessment of fraud risk.
Pattern ②
Authentication is performed when registering your card number.
We implement strict management of accounts and measures to prevent unauthorized logins, and verify the user's identity upon login. Furthermore, authentication is performed as needed for each transaction, depending on the merchant's assessment of fraud risk.
Pattern ③
Authentication is performed each time a payment is made.
Authentication is performed when the user registers their card number and each time a payment is made.

Value brought about by this partnership: Providing a variety of options tailored to the needs of member stores.

Riskified and SBPS support merchants in achieving both safety and profitability through the following initiatives:

  • Maximize the identification of fraudulent orders from legitimate customers: Riskified's comprehensive fraud detection system strengthens fraud deterrence while reducing the risk of legitimate customer transactions being incorrectly rejected.
  • EMV 3-D Secure Implementation Support: We provide support for implementing EMV 3-D Secure operational patterns (① to ③) tailored to the needs of merchants.
  • Maximize Revenue: Accurately identify legitimate customers and improve EMV 3-D Secure and authorization approval rates, boosting sales.

Future outlook

Through this partnership, Riskified and SBPS will strengthen their support, both technologically and strategically, to enable more domestic companies to provide a safe and convenient online payment environment.

  • To use "Riskified," you need to have a contract with Riskified Ltd.
  • "QR Code" is a registered trademark of Denso Wave Incorporated.
  • The company names and product/service names listed are trademarks or registered trademarks of the respective companies.

Company Profile

Riskified Ltd.

Riskified（NYSE:RSKD）は、不正リスクの管理を革新し、ECの成長を加速させます。世界中の最大手ブランドやオンラインで販売する上場企業の多くが、チャージバックに対する保証・保護、大規模な不正利用やポリシー濫用との闘い、顧客維持の向上のため、Riskifiedに信頼を寄せています。Riskifiedはこれまで、アンドエスティ、ラコステジャパン、ユナイテッドアローズ、AKOMEYA TOKYOなど、複数の国内大手加盟店に採用されています。

name Riskified Ltd.
Location Israel
Establishment 2012年
URL https://www.riskified.com/ja/
Business content Providing an AI-powered fraud detection and risk intelligence platform.

SB Payment Service Corp.

As a PSP company, SBPS provides a wide range payment methods including Credit Card Payment, Mobile Carrier Billing, and QR code payments, to e-commerce businesses and brick-and in-store. By leveraging its advanced payment systems and the strengths of being a member of the SoftBank Group, SBPS provides added value and builds a safe and secure payment environment.

name SB Payment Service Corp.
Location 1-7-1 Kaigan, Minato-ku, Tokyo Tokyo Portcity Takeshiba Office Tower
Establishment 2004年
URL https://www.sbpayment.jp/en/gl-top/
Business content Payment service, collection agency and corporate calculation office work, acquiring (card merchant business) business, issuing (card issuing business) business

Inquiries regarding this matter

SB Payment Service Corp. Public Relations

Inquiry form https://www.sbpayment.jp/en/contact/contact-en/

List of articles

Tokyo, Japan - June 25, 2026 - Riskified (NYSE: RSKD), a global leader in ecommerce fraud detection and risk intelligence, today announced a partnership with SB Payment Service Corp. ("SBPS"), a subsidiary of SoftBank Corp.(TSE:9434) and a core company in its finance business. Through this partnership, SBPS merchants will be able to leverage Riskified's AI-powered fraud detection solution, Checkout Intelligence, to address payment conversion challenges associated with mandatory EMV 3D Secure authentication, while optimizing payment processes to support ecommerce revenue growth.

In Japan, the mandatory adoption of 3D Secure has been introduced in response to the increase in credit card fraud. While the measure strengthens transaction security, stricter authentication requirements can also lead to lower authorization approval rates, cart abandonment, and lost sales from legitimate customers.

Riskified's fraud detection capabilities support "Pattern 1" operations, enabling merchants to select from multiple EMV 3D Secure operating models based on transaction risk and potential opportunity loss. By accurately identifying legitimate customers, merchants can improve both 3D Secure and authorization approval rates while increasing overall sales performance.

Through this partnership, Riskified and SBPS will continue supporting Japanese merchants with both technology and strategic expertise to help businesses deliver secure and seamless online payment experiences.

This partnership also reflects Riskified's continued expansion in the Japanese ecommerce market. Riskified has been adopted by several leading domestic merchants and international brands selling in Japan, including and ST Co., Ltd. (Adastria), Lacoste Japan, United Arrows, AKOMEYA TOKYO.

About Riskified

Riskified (NYSE:RSKD) empowers businesses to unleash ecommerce growth by outsmarting risk. Many of the world's biggest brands and publicly traded companies selling online rely on Riskified for guaranteed protection against chargebacks, to fight fraud and policy abuse at scale, and to improve customer retention. Developed and managed by the largest team of ecommerce risk analysts, data scientists, and researchers, Riskified's AI-powered fraud and risk intelligence platform analyzes the individual behind each interaction to provide real-time decisions and robust identity-based insights. Learn more at riskified.com.

About SB Payment Service Corp.

Representative Tomonori Hotta, President & CISO
Headquarters Tokyo Portcity Takeshiba Office Tower, 1-7-1 Kaigan, Minato-ku, Tokyo, Japan
Established October 1, 2004
Business Payment services, collection agency and accounting operations support services, acquiring business (merchant acquiring services), and issuing business (card issuing services)
Website SB Payment Service Corp.

Inquiries regarding this press release

SB Payment Service Corp. Public Relations

Inquiry form https://www.sbpayment.jp/en/contact/contact-en/

List of articles