Freemius

webstepper

TrustLens is a WooCommerce fraud prevention and chargeback monitoring plugin that assigns every shopper a behavior-based trust score from 0 to 100 and tracks your store’s chargeback ratio against card-network thresholds.
Instead of guessing which customers are risky, TrustLens analyzes real store behavior — refunds, order patterns, coupon usage, category risk, linked accounts, chargebacks, and dispute history — to help you identify high-risk customers early and avoid Visa, Mastercard, Amex, and Discover monitoring programs.
At a glance, you can see each customer’s trust score, risk segment, and the exact signals that changed it, so you can make confident decisions about refunds, store policies, customer management, and payment risk.
TrustLens focuses on behavioral fraud detection for WooCommerce — identifying risky customer behavior that traditional payment fraud tools often miss.
It helps surface the abuse patterns many stores struggle to spot early:
<ul>
<li>serial returners</li>
<li>coupon exploitation</li>
<li>multi-account shoppers</li>
<li>refund abuse</li>
<li>risky customers linked across multiple accounts</li>
<li>chargeback ratios approaching Visa, Mastercard, or Amex monitoring thresholds</li>
<li>dispute and chargeback risk per customer</li>
</ul>
The free version is manual by default, giving you the visibility and control to review customers before you take action. Pro adds optional automation, payment controls, dispute tracking, and advanced alerts for stores that need stricter workflows.
<h4>Problems TrustLens Solves</h4>
Many WooCommerce stores lose revenue from abuse patterns that stay hidden until the damage is already done.
Common examples include:
<ul>
<li>customers repeatedly ordering items and returning them after use</li>
<li>shoppers creating multiple accounts to reuse first-order coupons</li>
<li>high refund rates hidden across hundreds of orders</li>
<li>linked customer accounts bypassing store policies</li>
<li>risky customers who later trigger disputes or chargebacks</li>
</ul>
Most store owners only notice these issues after they escalate. TrustLens helps you detect these patterns earlier, monitor behavior trends, and take action before abuse grows.
<h4>What TrustLens Does</h4>
TrustLens turns complex customer behavior into clear, actionable signals store owners can understand.
Assigns every customer a trust score. TrustLens calculates a 0-100 trust score for every customer using six detection modules running in the background. Customers are automatically grouped into six segments: VIP, Trusted, Normal, Caution, Risk, and Critical.
Tracks the patterns that matter. TrustLens analyzes refund rates, refund value, order completion and cancellation patterns, coupon abuse patterns, category-specific return behavior, and linked accounts across customer identifiers including addresses, phone numbers, IPs, payment methods, and device identifiers (user agent signals).
Gives you actionable control. Review detailed customer profiles, block abusive customers from checkout, allowlist trusted buyers, monitor store-wide risk trends, and export data for deeper analysis. The free version focuses on visibility and manual control; Pro adds optional automation, advanced notifications, webhooks, scheduled reports, and payment method risk controls.
Watches your chargeback ratio. The dashboard Chargeback Ratio speedometer shows your blended calendar-month ratio at a glance, with a Healthy / Approaching threshold / Action needed status so you know where you stand against card-network monitoring programs. Pro adds per-brand breakdown (Visa VDMP/VFMP, Mastercard ECP, Amex, Discover), a 12-month trend chart, and email alerts before you cross a threshold.
<h4>What’s included in Free</h4>
The WordPress.org download is the fully functional free version — no trial limits, no disabled scoring, no locked detection modules. Everything you need for visibility and manual control:
<ul>
<li>Complete trust scoring engine (0–100 score with six risk segments)</li>
<li>All six detection modules — returns, orders, coupons, category risk, linked accounts, shipping address anomalies</li>
<li>Chargeback tracking — automatic dispute ingestion from Stripe and WooPayments, per-customer dispute counters, manual entry form for other gateways</li>
<li>Dashboard Chargeback Ratio speedometer with Healthy / Approaching / Action-needed status</li>
<li>Command Center dashboard — trust score trends, segment distribution, refund activity, high-risk customer list, revenue protection KPIs</li>
<li>Customer management — search, filter, bulk block / unblock / allowlist / recalculate / delete, checkout enforcement</li>
<li>Historical Sync — build trust profiles from past WooCommerce orders in the background</li>
<li>REST API (8 endpoints), WooCommerce HPOS compatibility, GDPR privacy tools, order-screen integration</li>
<li>Core email notifications — blocked-checkout alerts, activation summary, weekly protection report</li>
</ul>
<h4>What Pro adds</h4>
For stores that need automation, advanced alerts, and payment-risk workflows:
<ul>
<li>Advanced Chargeback Monitor — dedicated page with per-brand ratio breakdown (Visa VDMP / VFMP, Mastercard ECP, Amex, Discover), 12-month trend chart, trailing-30-day window, recent-disputes activity feed, top-disputed customers with one-click Dispute Evidence Report</li>
<li>Chargeback Ratio Email Alerts — daily check that emails you before any brand crosses its network threshold, deduplicated per brand per month</li>
<li>Auto-Block After N Lost Disputes — automatically block customers whose chargebacks hit a configurable threshold</li>
<li>Automation Rules — trigger-based actions when customer risk changes (block, hold, notify, tag)</li>
<li>Webhooks — real-time trust events to external systems (score updates, blocks, high-risk orders)</li>
<li>Scheduled Reports — daily, weekly, or monthly email summaries of store risk activity</li>
<li>Payment Method Risk Controls — hide specific gateways for high-risk segments, linked accounts, or velocity spikes</li>
<li>10 Advanced Email Notifications — high-risk orders, repeat refunders, segment changes, velocity spikes, new customer risk, score recovery, dispute events, and more</li>
<li>Advanced Address Analysis — diversity-trend detection and enhanced country-mismatch severity</li>
</ul>
Bottom line: Free surfaces the risk. Pro acts on it.
If you need chargeback prevention for WooCommerce, TrustLens Pro helps you track disputes, watch your ratio against Visa, Mastercard, Amex, and Discover monitoring programs, identify repeat high-risk customers earlier, and respond with better data before payment problems escalate.
<h4>Free Features</h4>
<ul>
<li>Trust Score Engine — Every customer receives a 0-100 trust score calculated from weighted behavioral signals</li>
<li>Customer Risk Segments — Customers are automatically classified into VIP, Trusted, Normal, Caution, Risk, and Critical</li>
<li>Return Abuse Detection — Detect serial returners by analyzing refund rates, refund frequency, and refund value</li>
<li>Order Pattern Analysis — Monitor completion rates, cancellation patterns, and unusual order velocity</li>
<li>Coupon Abuse Detection — Identify repeat first-order coupon use and coupon-then-refund patterns</li>
<li>Category-Aware Risk Scoring — Apply extra risk when customers show high return rates in specific product categories</li>
<li>Linked Accounts Detection — Identify customers operating multiple accounts using shared addresses, phone numbers, IPs, payment methods, and device identifiers (user agent signals)</li>
<li>Shipping Address Anomalies — Detect address hopping, billing/shipping country mismatches, and rapid address changes that indicate fraud or abuse</li>
<li>Command Center Dashboard — View store-wide risk analytics including trust score trends, segment distribution, refund activity, high-risk customers, and revenue protection insights</li>
<li>Customer Risk Profiles — See detailed customer history, trust score signals, linked accounts, and event timelines</li>
<li>Customer Management Tools — Search, filter, and manage customers using segments, scores, and risk indicators</li>
<li>Bulk Actions — Block, unblock, allowlist, recalculate scores, or delete customers in bulk</li>
<li>Allowlist Protection — Protect trusted customers from false positives — allowlisted customers keep the maximum trust score</li>
<li>Checkout Enforcement — Blocked customers are prevented from adding items to cart or completing checkout</li>
<li>Historical Sync — Analyze existing WooCommerce orders to build trust profiles for past customers without affecting frontend performance</li>
<li>Email Notifications — Receive alerts for blocked checkout attempts, activation summaries, and weekly protection reports</li>
<li>REST API — Access TrustLens data through 8 REST API endpoints for integrations and external systems</li>
<li>Configurable Scoring Thresholds — Adjust minimum orders required for scoring, return risk levels, and checkout blocking settings</li>
<li>GDPR Compliance — Integrates with WordPress privacy tools for customer data export and erasure requests</li>
<li>WooCommerce HPOS Compatibility — Fully compatible with High-Performance Order Storage</li>
<li>Order Screen Integration — Customer trust scores and segments appear directly on WooCommerce order edit pages</li>
<li>Chargeback Tracking — Record disputes and chargebacks from Stripe, WooPayments, or manual entry; dispute history feeds into customer trust scores</li>
<li>Chargeback Ratio Speedometer — Dashboard shows your blended chargeback ratio this calendar month with a Healthy / Approaching threshold / Action needed status indicator</li>
<li>Automatic Card Brand Capture — Card brand recorded on every Stripe/WooPayments paid order for accurate ratio tracking</li>
</ul>
<h4>Pro Features</h4>
<ul>
<li>Automation Rules — Create trigger-based rules that automatically run actions when customer risk changes</li>
<li>Webhooks — Send real-time trust events and customer risk updates to external systems or custom endpoints</li>
<li>Scheduled Reports — Receive daily, weekly, or monthly reports summarizing store risk activity and customer trends</li>
<li>Advanced Chargeback Monitor — Per-brand ratio breakdown (Visa, Mastercard, Amex, Discover), 12-month trend chart, trailing-30-day window, daily email alerts when any brand approaches its network threshold, dedicated Chargeback Monitor page</li>
<li>Payment Method Risk Controls — Hide specific payment gateways for high-risk customers, linked accounts, or velocity spikes</li>
<li>Advanced Notifications — Receive alerts for high-risk orders, repeat refunders, segment changes, velocity spikes, and dispute events</li>
<li>Advanced Address Analysis — Diversity trend detection and enhanced country mismatch severity for deeper shipping fraud analysis</li>
</ul>
<h4>Who TrustLens Is For</h4>
<ul>
<li>WooCommerce store owners dealing with serial returners, refund abuse, or risky customers</li>
<li>Operations managers who need data to manage customer policies with confidence</li>
<li>Fraud prevention teams looking beyond payment fraud signals</li>
<li>Stores with generous return policies that attract both loyal customers and abuse</li>
</ul>
<h4>How Trust Scoring Works</h4>
Every customer begins with a base score of 50. TrustLens detection modules analyze behavior and apply positive or negative signals:
<ul>
<li>completed orders increase trust</li>
<li>refunds decrease trust based on frequency and value</li>
<li>coupon abuse patterns apply penalties</li>
<li>high return rates in specific categories add additional risk</li>
<li>linked accounts with risky customers reduce scores</li>
<li>account age adds a loyalty bonus (up to +15 for long-standing customers)</li>
</ul>
Scores are always kept between 0 and 100. Customers below the configurable minimum order threshold (default: 3 orders) remain in the Normal segment until enough data exists for reliable scoring.
All scoring signals are visible in the customer profile so you can see exactly how each score was calculated.
<h4>Built for Modern WooCommerce Stores</h4>
TrustLens is designed for production WooCommerce stores and growing order volume.
Key architecture features include:
<ul>
<li>asynchronous background processing via Action Scheduler</li>
<li>WooCommerce HPOS compatibility</li>
<li>REST API integration support</li>
<li>batch-based historical order analysis</li>
<li>lightweight checkout enforcement</li>
</ul>
These design choices let TrustLens analyze customer behavior without slowing down your store.
<h3>External Services</h3>
This plugin may connect to external services as described below.
<h4>Freemius SDK</h4>
This plugin uses the <a href="https://freemius.com" rel="nofollow ugc">Freemius</a> SDK for optional usage tracking, license management, and plugin updates.
When data is sent:
<ul>
<li>During plugin activation, only if the user explicitly opts in</li>
<li>When checking for plugin updates</li>
<li>When activating or deactivating a Pro license</li>
</ul>
What data is sent:
<ul>
<li>Site URL, WordPress version, and PHP version</li>
<li>Plugin version and activation status</li>
<li>Admin email (only if opted in)</li>
<li>License key (Pro version only)</li>
</ul>
Important: No data is sent unless you explicitly opt in during plugin activation. You can skip the opt-in entirely and use the free version without sharing any data.
<ul>
<li>Service: <a href="https://freemius.com" rel="nofollow ugc">Freemius</a></li>
<li>Terms of Service: <a href="https://freemius.com/terms/" rel="nofollow ugc">https://freemius.com/terms/</a></li>
<li>Privacy Policy: <a href="https://freemius.com/privacy/" rel="nofollow ugc">https://freemius.com/privacy/</a></li>
</ul>
<h4>Webhooks (Pro, Optional)</h4>
When webhooks are enabled in TrustLens settings (Pro feature), the plugin sends HTTP POST requests to URLs configured by the administrator.
When data is sent:
<ul>
<li>When a customer’s trust score is updated (if enabled)</li>
<li>When a customer is blocked (if enabled)</li>
<li>When a checkout is blocked (if enabled)</li>
<li>When a high-risk order is placed (if enabled)</li>
<li>When testing webhook connectivity</li>
</ul>
What data is sent:
<ul>
<li>Customer email hash and, when available, the customer email stored in TrustLens</li>
<li>Trust score and customer segment</li>
<li>Event type and timestamp</li>
<li>Order details for high-risk order events (order ID, total, status)</li>
<li>Site URL and site name</li>
</ul>
Important: Webhook endpoints are entirely configured by you. No data is sent to any third-party service unless you explicitly add webhook URLs. The plugin does not send data to the plugin developer or any default external service.

TrustLens – Customer Risk Intelligence & Abuse Detection for WooCommerce

Detect return abuse, coupon abuse, risky customers, and linked accounts in WooCommerce with behavior-based trust scores and risk segments.

bulletproofcheckout

BulletProof Checkout Gateway seamlessly integrates 3DS chargeback prevention technology with WooCommerce to accept secure credit card payments and prevent chargebacks. Our payment gateway allows customers to make safe and secure payments using their credit cards. BulletProof provides merchants with the highest level of 3DS chargeback prevention and fraud protection tools in the marketplace. 
“Say goodbye to fraudulent chargebacks and the headaches they cause!”
<h4>BACKGROUND</h4>
Years ago, credit card brands developed a technology called 3DS to prevent fraud chargebacks. When used correctly, Cardbrands will assume liability for fraud chargebacks, so you don’t have to deal with them.
BulletProof Checkout has leveraged 3DS technology to create a user-friendly platform that is easy to implement and customize according to your needs.
“Our advanced technology can protect your revenue and prevent the closure of your merchant account, providing peace of mind.” 
<h3>Third-Party Service Dependency</h3>
This plugin relies on the use of a third-party service under certain circumstances. Below are the details:
<h3>Bulletproof Checkout API</h3>
<ul>
<li>Service Description: Bulletproof Checkout is a payment processing platform that allows you to accept payments online.</li>
<li>When Used: This service is used to process payments whenever a user makes a purchase through your website using our plugin.</li>
<li>Link to Service: <a href="https://bulletproof-checkout.com/" rel="nofollow ugc">Bulletproof Checkout</a></li>
<li>Terms of Use: <a href="https://bulletproof-checkout.com/privacy-policy/" rel="nofollow ugc">Bulletproof Checkout Terms of Use</a></li>
<li>Privacy Policy: <a href="https://bulletproof-checkout.com/privacy-policy/" rel="nofollow ugc">Bulletproof Checkout Privacy Policy</a></li>
</ul>
The plugin interacts with the following API endpoints: 
– Direct Post Processors: This endpoint retrieves available payment processors. 
 – URL: <a href="https://bulletproofcheckout.net/API/endpoints/directpost/processors.php" rel="nofollow ugc">https://bulletproofcheckout.net/API/endpoints/directpost/processors.php</a> 
– Capture Payment: This endpoint captures a previously authorized payment. 
 – URL: <a href="https://bulletproofcheckout.net/API/endpoints/directpost/capture_payment.php" rel="nofollow ugc">https://bulletproofcheckout.net/API/endpoints/directpost/capture_payment.php</a> 
– Validate Payment: This endpoint validates payment details and tokens. 
 – URL: <a href="https://bulletproofcheckout.net/API/endpoints/directpost/validate.php" rel="nofollow ugc">https://bulletproofcheckout.net/API/endpoints/directpost/validate.php</a> 
– Refund Payment: This endpoint processes refunds for transactions. 
 – URL: <a href="https://bulletproofcheckout.net/API/endpoints/directpost/refund.php" rel="nofollow ugc">https://bulletproofcheckout.net/API/endpoints/directpost/refund.php</a>
<h4>OFFERING</h4>
The BulletProof Checkout gateway is compatible many top credit card processors. If you currently have a merchant account with a compatible processor or are looking for an integrated processing solution, we can help. Contact us with any questions.
<ul>
<li>
Payment Agnostic – we integrate with many processors, allowing you to use your current merchant account and help you connect it into our BulletProof Gateway. 
</li>
<li>
Multi Gateway Compatible — We are also compatible with the NMI gateway.
</li>
</ul>
<h4>3DS PAYMENT GATEWAY FEATURES</h4>
<ul>
<li>Virtual Terminal, Invoicing, QR codes, Payment Links, Payment Forms, and Payment Buttons.</li>
<li>Save on the cost of accepting credit cards by utilizing our Savings Optimizer.”</li>
<li>Achieve more savings by using our 3DS and Savings Optimizer technology stack together.</li>
<li>Credit card fee deflection programs available.</li>
<li>Four plans to choose from – Gold, Platinum, Custom 3DS, Dynamic 3DS</li>
<li>Full reporting through a dedicated portal.</li>
</ul>
<h4>THE BULLETPROOF 3DS DIFFERENCE</h4>
If your experience using 3DS did not meet your expectations, it’s time to try the BulletProof 3DS difference.  
– Control the customer checkout experience. 
– 3DS Settings that allow a truly frictionless, intuitive, and lightning-fast customer checkout. 
– Lock in the level of the BulletProof 3DS protection to secure against chargebacks. 
– User-friendly 3DS solution that requires no programming skills and is easy to set up.  
– Understand 3DS transaction results through detailed reporting. 
– Responsive tech support and assistance for our plugin and gateway. 
– Synergistically works with RDR, Ethica, and Verifi alerts.
<h4>PAYMENT ACCEPTANCE METHODS</h4>
<ul>
<li>Credit Card</li>
<li>Checks</li>
<li>Cash </li>
<li>More to come</li>
</ul>
<h4>PRO-ACTIVE PREVENTION BENEFITS</h4>
Preventing a chargeback avoids the following: 
– Chargeback Fees 
– Additional Processing and Gateway Fees  
– Loss of Revenue 
– Dispute and Arbitration Fees 
– Possible Loss of Tangible Goods 
– Loss of Time   
– Headaches 
– “Possible Closure of Merchant Account and Inability to Accept Credit Card Payments”
<h3>Features</h3>
<ul>
<li>Seamless integration with WooCommerce.</li>
<li>Secure payments using the BulletProof Checkout.</li>
<li>Amazing 3DS chargeback prevention, adjustable 3DS settings, and take control over the customer checkout experience.</li>
<li>Sale, authorization, subscription, and order processing.</li>
<li>Collect payments inside and outside of WooCommerce.</li>
<li>Refund via Dashboard: Process full or partial refunds, directly from your WordPress dashboard.</li>
</ul>
<h3>Plus Version</h3>
<h3>WooCommerce Plugin Plus Version. (Free for any already existing customer)</h3>
<ul>
<li>Integrated 3DS controls within your WooCommerce store.</li>
<li>Enhanced secure payment page that ensures all your transactions are safe, secure and encrypted with no programming required.</li>
<li>Adds an additional layer of security to SSL with point-to-point encryption for enhanced protection.</li>
<li>WooCommerce Order status updates received automatically from the gateway via webhooks.</li>
<li>Authorize can capture later direct from the WooCommerce order list</li>
<li>Secure “Thank you” page integrated with your WooCommerce store</li>
<li>The payment page offers the highest level of security, preventing system administrators and third parties from altering or injecting malicious code.</li>
</ul>
<h3>Configuration</h3>
<ol>
<li>Visit the WooCommerce settings page and click on the “Payments” tab.</li>
<li>Find “BulletProof Payment Gateway” in the list of available payment methods and click “Manage.”</li>
<li>Configure the necessary settings, such as API key, user name and password .</li>
<li>The Webhook API key is located into your BulletProof portal account->Other services->webhooks (follow the instruction provided at the installation section of this readme file)</li>
<li>The Customer Vault feature is only available if you have enabled the Customer Vault feature in your BulletProof Account, otherwise will trigger an error in the checkout. During the initial tests set to “No”</li>
<li>Select your processor, if you leave the processor dropdown unselected then will trigger an error in the checkout page.</li>
<li>Save changes.</li>
</ol>
<h3>Usage</h3>
<ol>
<li>During the checkout process, customers will see credit card as a payment option.</li>
<li>Customers provide necessary payment details and complete the order.</li>
<li>The plugin processes the payment through the BulletProof API.</li>
<li>Order status is updated based on the BulletProof API response.</li>
<li>Voids are only available in the BulletProof portal, if you void a order at the BulletProof portal then the related WooCommerce order will be changed to status “Cancelled” (only if the order was on status pending or completed)</li>
<li>Refunds made at the BulletProof portal will be reflected on the related WooCommerce order, no partial refunds supported at the BulletProof portal. Status at the WooCommerce will be changed only if the order status was pending or completed</li>
</ol>

BulletProof Payment Gateway

Protect your credit card payments with 3D Secure (3DS) and say goodbye to chargebacks.

TrustLens – Customer Risk Intelligence & Abuse Detection for WooCommerce vs BulletProof Payment Gateway