Fix the friction. Stop the fraud. Grow faster.
In modern eCommerce and retail, you’re juggling rising acquisition costs, cart abandonment, identity fraud, chargebacks, and demanding customers who expect a seamless experience. Every click, login or payment is under threat: bots pretending to be buyers, stolen credentials, synthetic identities, friendly fraud, and first-party abuse.
Meanwhile, your genuine customers want speed and simplicity - not another verification barrier.
That’s where we step in. We use what your customer already has - their mobile connection and SIM - as a reliable, network-level source of truth: no extra workload, no heavy UX friction, just smarter signals behind the scenes.
With XConnect, and a few lines of code, you get faster conversions, fewer fraud hits and stronger trust from buyers and partners alike.
Retail merchants reported a year-on-year increase in fraud in 2025.
0%
Ravelin.
Customers abandon checkout because the process is too long
0%
Convertcart.com
Predicted global eCommerce losses by end of 2025
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Netguru
Cart abandonment driven by friction
Long checkouts, OTP delays and repetitive verification steps push buyers away. With our network-level checks, you verify identity silently through the mobile connection and SIM, reducing friction and lifting conversions without redesigning your checkout.
High acquisition costs wasted on drop-outs
You’re paying more than ever to bring shoppers to your site, only to lose them at login or payment. Our instant mobile-network verification confirms genuine customers in-flow, protecting your spend and giving you more completed baskets for the same marketing cost.
Fraudulent transactions & chargebacks
Retailers are hit hard by synthetic identities, stolen numbers, policy abuse and first-party fraud. We spot risky SIM behaviour, recent swaps, diversions and other operator-level signals that typical fraud tools miss. You block the bad actors before goods ship.
Account take-over risk and bad purchases
Stolen accounts fuel refund abuse, loyalty point theft and repeat chargebacks. Our SIM integrity checks and device-to-number binding confirm the right person is using the right SIM on the right device. You keep accounts secure without forcing buyers through extra steps.
First-party abuse and returns fraud
Retail margins are torn up by friendly fraud, false claims and serial returners. Our network data helps you distinguish real customers from opportunistic behaviour, supporting your risk engine with hard signals that can’t be spoofed or gamed.
Global scaling and compliance
Expanding across regions introduces different fraud patterns, mobile behaviours and regulatory demands. We give you consistent, global operator-driven checks through one API, so you launch confidently, handle risk properly and stay compliant while growing fast.
The identity edge your platform is missing
We deliver a unified API platform that puts the mobile network at the heart of your identity and fraud defences. Live, accurate and unique insight.
Everything works silently behind the scenes so your users don’t even know you’re checking -while you get instant, high-assurance signals.
Here’s what you’ll get:
- Mobile Identity Verification – Match name, phone number, address, date of birth to the operator record in seconds.
- SIM/Device Integrity Checks – Detect SIM swap, device number change, call-forwarding, number re-purposing before money moves or goods ship.
- Seamless Authentication – Replace OTPs and passwords with device-network based authentication: no codes, no user friction, phishing-proof.
- Risk-Engine Integration – Feed these signals into your existing risk/fraud platform or via our dashboard, triggering action (block, step-up, monitor) as required.
- Global Reach, Standardised Interface – One API, global networks, scalable volume. Less integration overhead, faster time-to-value.
- Better Conversion + Lower Fraud = Higher Margin – With fewer false positives, fewer blocked buyers, fewer chargebacks and less fraud-leakage, you improve both top-line and bottom-line.
The result is simple: you protect more customers, lose fewer sales and make your entire retail journey work harder for you.
The 'I' in SIM stands for 'Identity'.
XConnect delivers a suite of mobile identity products designed specifically for eCommerce and retail, using the superpower that every shopper already carries: the SIM card. The SIM is a secure, tamper-resistant element that mobile networks trust for authentication. We use it as the foundation for stronger identity, smoother journeys and far better protection at every stage of the customer lifecycle.
SIM-based verification is fundamentally stronger than traditional checks. It is unspoofable, resistant to manipulation and always tied to a live mobile account. When you combine the security of the SIM with real-time mobile operator data, you get insight that no form, cookie or behavioural signal can match.
For eCommerce and retail, one of the biggest wins is stopping fraudulent accounts before they start. Mobile identity prevents fake profiles, synthetic shoppers and opportunistic fraudsters from entering your platform, protecting your acquisition spend and keeping your good customers safe.
Seamless, secure authentication with SAFr Auth
XConnect’s SIM-based authentication is built for the real risks facing e-commerce and retail. It gives you a fast, invisible and far more reliable way to verify customers by using live intelligence from the mobile network, not the customer’s memory or device.
SAFr Auth strengthens every login and high-risk action by removing the weakest link in authentication: the human. It works instantly through the SIM, confirming the right person on the correct device in the moment.
- Phishing prevention: Because SAFr Auth checks the mobile network rather than the code or device, phishing attempts fall flat. There is nothing to steal or trick the customer into revealing.
- Protection against account takeover: By tying authentication to the SIM and mobile account, you make it almost impossible for attackers to log in with stolen credentials.
- Humanised authentication: No device binding, no passwords, no OTPs. Just a silent, secure check that completes in under a second and keeps the shopper moving.
Integrating SAFr Auth reduces fraud, lifts trust and removes friction for genuine customers. No passwords to steal. Nothing to remember or store. Nothing for criminals to intercept. XConnect provides the identity layer the Internet has always lacked.
SAFr Pulse - Fixing eCommerce onboarding at source
eCommerce platforms live and die by onboarding. Every false positive, every abandoned signup, every fraudulent account eats into conversion and trust. Traditional data checks are slow, patchy, and expensive – and when the data’s wrong, the damage spreads fast across every system that touches it.
XConnect’s SAFr Pulse changes that. It utilises live mobile network intelligence to verify customer data in real–time, ensuring that a number is active, reachable, and genuinely belongs to the person entering it. By tapping directly into operator-level signals, SAFr Pulse exposes bad data before it pollutes your customer base.
In milliseconds, you gain a live picture of user authenticity – detecting fake, inactive, or recycled numbers that lead to fraud, churn, and wasted marketing spend - the result: cleaner onboarding, higher conversion, and lower acquisition costs.
SAFr Pulse gives the eCommerce sector something it's never had before – confidence in every mobile number at the moment it’s entered. No friction, no guesswork, no dead ends. Just real customers, verified instantly, from the network itself.
Identity checks built for the pace of retail
MPM KYC Match gives eCommerce platforms instant clarity on who the customer really is. It checks the shopper’s name, address, date of birth and mobile number directly against live mobile operator records, so you rely on the network’s truth rather than whatever is typed into a form. Most fraud falls apart under this level of verification. Synthetic accounts, stolen identities, refund abusers and high-risk profiles simply cannot match operator data. MPM KYC Match spots those mismatches in seconds and stops bad orders before they reach checkout.
What it delivers:
- Instant identity confirmation – Genuine customers sail through. Suspicious details trigger a block or step up.
- Stop synthetic accounts – Fake shoppers cannot pass a network level match.
- Fewer chargebacks – Verified identity means fewer disputes, fewer false claims and cleaner traffic.
- Safer high value journeys – Big purchases, refunds and stored payment features become far more secure.
- Better decisions – Strong, verified identity data makes your risk engine smarter and cuts false positives.
The result: you onboard real customers, stop fake ones and cut fraud at the source without slowing anyone down.
Account Takeover. Solved.
Once a fraudster takes over a shopper’s SIM, they own everything that follows. Logins, OTPs, password resets, payment approvals and even identity checks become theirs to exploit. The result is hijacked accounts, unauthorised purchases, refund abuse and a sudden spike in chargebacks.
SIM Swap Check from XConnect stops this before it begins. Working at network level through direct mobile operator connections, it detects live SIM changes in real time and feeds that intelligence straight into your risk engine. If a SIM has been swapped, you know instantly, and can block, flag or step up the journey long before the fraudster reaches checkout.
Real time SIM monitoring does not just stop takeovers, it prevents fraudulent refunds, policy abuse and repeat chargeback activity before they ever touch your platform.
Even when the SIM hasn't changed, there is another silent threat: Call forward fraud. It's a low effort, high-reward attack where criminals quietly divert a customer’s incoming calls, including OTPs and verification messages, to their own device.
Call Forward Check closes that gap. It verifies in milliseconds whether a shopper’s calls are being diverted, flagging suspicious activity before any login, purchase or high value action is approved.
Together, these checks give eCommerce platforms the protection they have been missing: live, network level defence that prevents account takeovers, protects revenue and keeps genuine customers safe without slowing down the shopping experience.
1. Instant, in-flow verification
Onboard real customers in milliseconds with MPM KYC Match, confirming name, address, date of birth and mobile number directly with the operator. No uploads, no detours and no drop-offs, just smooth sign-ups, cleaner traffic and higher conversion.
2. Fraud blocked before checkout
Catch synthetic identities, stolen profiles and high risk shoppers by linking every account to a verified SIM. Fraudsters cannot fake network signals, so refund abuse, fake profiles and high chargeback orders are stopped before they ever reach your basket.
3. Real-time account takeover defence
With SIM Swap Check and Call Forward Check, spot hijacked numbers and diverted OTPs before logins, resets or payments are approved. It is live, tamper proof intelligence direct from the network, not guesswork or browser signals.
4. KYC, age and compliance made simple
Stay aligned with KYC, age verification and emerging digital safety standards. XConnect’s checks are auditable, network verified and fully automated, helping retailers stay compliant without adding friction or manual review overhead.
5. Convert faster, lose fewer customers
Friction kills sales. SAFr Auth replaces password resets and OTP delays with instant SIM based authentication. Shoppers stay in flow, pages load without interruption and verified customers complete more orders without extra steps.
6. Reach thin-file and global buyers
Credit data is inconsistent across markets, but mobile data is universal. Verify younger, thin-file and international shoppers through mobile tenure and network activity, expanding your reach and capturing high value customers with confidence.
7. Cut operational cost and complexity
Eliminate manual KYC checks, risky data lookups and unreliable SMS OTP flows. Mobile identity checks run automatically in the background, reducing fraud workload, increasing accuracy and avoiding unnecessary declines.
8. Build trust and lifetime value
When shoppers know you protect their accounts with real-time, network level security, they come back. Mobile identity strengthens trust through transparency and consistency, turning safe customers into loyal ones.
9. Proof, not promises
Our deployments show measurable uplift in conversion, reduced fraud loss and fewer false positives for high volume retailers. Mobile identity does not slow your checkout – it accelerates it. Try a POC and see the difference for yourself.
Partners
XConnect works with the industry’s leading Identity vendors. Be part of our exclusive partner network and add best-in-class mobile identity services to your portfolio
Operators
Already on six continents, we’re on a mission to provide truly global mobile identity coverage, Unlock your network’s potential by working with XConnect.