# Critical Global Context for Internally-Built Risk Models

The Sift Score API adds critical external context to internally-built risk models. Detect global & industry threats with real-time risk scores powered by 1T annual consortium events. Build the way you want, without sacrificing access to the powerful tools in the Sift Console.

## The Sift Score API is the Missing Piece for In-House Fraud Models

**Building custom fraud detection models tailored to your unique data and risk patterns has its advantages**. But limitations in data diversity and scope create security blind spots affecting every digital interaction. Fraud tactics like card testing and credential stuffing stay hidden until they cause significant revenue loss—or break the hard-earned trust your customers have in your business.

**The Sift Score API** connects internally-built fraud systems to our Global Data Network, delivering the same level of risk insight and Console access available to full-platform Sift customers.

## What is the Sift Score API?

The Sift Score API is a modular fraud intelligence solution that delivers real-time risk scores derived from over 1 trillion annual events and 16,000+ fraud signals accumulated over 13 years. It delivers:

- **A fraud risk score (0-100)** to assess transaction legitimacy
- **The top 20 risk signals** explaining why an action was flagged
- **Seamless API integration** into internal fraud models and decision engines

## How Does it Work?

The Sift Score API integrates with in-house risk engines fluently and without friction. When your internal risk engine submits real-time data via API calls (e.g., IP address, email, device fingerprint, transaction details), Sift cross-references that input against our Global Data Network.

An identity match or link is then made, and anomalies and patterns linked to fraudulent behavior can then be accurately identified in real-time. Industry-specific risk factors are applied to ensure relevance for your market.

## Build How You Want To

The Sift Score API is built for data science-focused digital businesses on a journey to build a bespoke world-class fraud intelligence system.

Whether your team is running multiple custom machine learning models or relying on a rules-based risk engine, our API delivers data-driven precision directly within your existing fraud stack.

## Tap Into Triangulated Tuning to Surface True Risk with ThreatClusters

Sift’s Custom, Global, and ThreatClusters models collectively improve detection accuracy by up to 20%. Custom models are tailored to individual customers’ unique fraud patterns, Global models capture broader fraud trends, and ThreatClusters provide industry-specific insights derived from related cohorts. Optimize model performance, reduce score shifts, and ensure consistent performance with our AI-powered platform and expert support.

## Fraud Exposes More Than Money

From account creation to chargeback mitigation, Sift is your go-to partner in fighting fraud.

### Account Takeover

Make trusted users untouchable with bulletproof account protection.

### Payment Fraud

Keep transactions and transfers secure across users, no matter the size, sum, or scale.

### Policy Abuse

Protect return policies, promo offers, and customer perks from misuse.

### Content Scams

Stop spam, scams, and phishing schemes from undercutting trust and revenue.

## What’s New at Sift

**The State of Payment Fraud and Account Takeover**  
[READ THE REPORT](https://sift.com/index-report-q1-2026/)  
  
**The Rising Impact of Chargebacks and Consumer Disputes**  
[READ THE REPORT](https://sift.com/index-reports-disputes-q4-2025/)  
  
**Account Takeovers in the Era of Agentic AI**  
[READ THE REPORT](https://sift.com/index-reports-account-takeover-fraud-q3-2025/)

## Dare to grow differently.

Flip the switch on fraud-fueled fear. Make risk work for your business and scale securely into new markets with Sift’s AI-powered platform.