Know if a pattern exists before you ship

An anonymous network for online sellers to share warnings about scams and problematic destinations... without storing customer data

Early Beta

You're not crazy. You're just on your own.

Online sellers constantly run into fraud: abuse of return policies, strange multi-address orders, and chargebacks that make no sense.

You see the patterns. You know when something's off. But there's no one to tell.

The systems in place? They're not built to listen to you. Not really. You're expected to absorb the risk and move on.

CredForma gives sellers a voice.

This is not a blacklist or a complaint board.

It's an encrypted, anonymized way to report suspicious destination behavior patterns. Not people.

Data is hashed on your device. Reports decay with time. No personal info is stored, ever.

Think of it as a way to compare notes before another scam hits your doorstep.

See the fraud statistics →

Only Vetted Members

CredForma is currently in closed beta. Every member is verified before being granted access, ensuring the community stays composed of real, experienced sellers. Access is by invite or approval only.

Privacy First. Signal Over Noise.

Seller identity is never exposed. Reports are anonymous, but only trusted members can contribute to maintain quality. The system protects privacy while preventing spam or false reports.

Smarter With Time

The more reports submitted, the sharper the picture gets. Risk scores evolve as patterns emerge, and they decay when nothing new comes in. The network improves the more it's used.

Understanding Fraud Patterns

Fraud against sellers typically follows two distinct patterns.

Order-Time Fraud

The red flags experienced sellers learn to spot quickly.

• Rush shipping on high-value first orders
• Mismatched billing and shipping info
• Unusually large orders from new buyers
• Multiple warning signs in one transaction

Post-Delivery Fraud

The costly behaviors after the order has shipped.

• Professional serial returners
• Wardrobing and temporary use scams
• Systematic refund exploitation
• Repeated false delivery claims across addresses

The Reality of E-commerce Fraud

84%

of merchants experience fraud

eCommerce merchants reporting fraud attacks within the past 12 months¹

$24B

lost to return fraud annually

Estimated annual losses from return fraud across eCommerce²

7–10%

of returns are fraudulent

Industry estimates for returns involving some form of fraud³

of revenue spent on prevention

What small businesses spend annually on fraud management⁴

Fraud Types Affecting Online Merchants

Fraud Prevention Costs by Business Size

📚 Sources

Our Mission

Most customers are legitimate. But a few who aren't can cause damages that punish the seller.

CredForma gives online sellers a secure and anonymized way to document and share transactional anomalies and potential fraud events, especially those that are often underreported to marketplaces or law enforcement.

These contributions reveal high risk behavior in near real time and help create a safer, better informed e-commerce environment for small and medium online sellers.

Powered by Sellers, Not AI

No algorithms. No predictions. Every signal in the system comes from a real seller who shipped an order and learned something the hard way.

The reports come from vetted sellers. Every member is verified before they can contribute. That keeps the signal clean and the community composed of people who have actual skin in the game.

Your identity is never part of the data. Addresses are hashed on your device before anything is submitted. CredForma never sees the raw address, and no one in the network sees who reported it.

The network gets sharper over time. Risk scores are weighted by frequency and recency, and they decay. An old report fades. A pattern that keeps showing up stays visible.

How CredForma Compares

Different tools catch different types of fraud. Here's where we fit in.

Feature	✨ CredForma	Traditional Blacklists	Payment Fraud (Stripe, Signifyd)	Return Fraud (Appriss)	Enterprise (Kount, Sift)
What It Catches	📍 Problem addresses & patterns	📝 Any reported name/address	💳 Stolen cards	🔄 Serial returners	🌐 Transactional patterns
Data Source	Verified sellers	Anyone can add	AI/ML algorithms	Retail network	AI/ML algorithms
Privacy	Fully anonymous	Exposes customer info	Tracks payment data	Shares customer IDs	Extensive tracking
False Positives	Time decay system	Permanent listing	Some false flags	Low rate	Varies by config
Pricing	Free beta / affordable	Usually free	2-3% per transaction	Enterprise pricing	$500-5000+/month
Best For	Small/medium sellers	Not recommended	High volume	Big retail	Big Retail

The Gap We Fill: Payment tools catch stolen cards. Return tools catch serial returners. Blacklists create legal liability. CredForma empowers sellers to flag suspicious destinations so others have insight before they ship.

What CredForma Can and Cannot Do

CredForma cannot recover lost revenue or undo a scam. What it can do is give sellers a voice, a way to flag addresses that raise concern so others do not face the same costly surprises.

For too long, online sellers have had to process fraud in silence. By joining together, this community creates not only a shared line of defense, but also a viable way to respond.