Consumer ATO Prevention

Consumer ATO Prevention helps you spot compromised customers early and block account takeover by acting on identity evidence from the criminal underground — including breached credentials, identity exposures from malware-infected devices, and successfully phished logins.

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Give security & fraud teams the earliest possible signal that a user is at risk, then reset or step-up before attackers get in.

🚀 What does Consumer ATO Prevention do?

Continuously checks your consumers against SpyCloud’s recaptured breach, malware, and phished datasets to flag exposed identities.
Detects credential reuse and replay to prevent ATO without adding unnecessary friction.
Lets you automate outcomes via our flexible APIs and within your preferred tools and frameworks.

🧩 Key capabilities

Early exposure detection at account creation & login to stop credential-based ATO.
Credential risk evaluation (reused, exposed, or known-compromised passwords).
Policy-driven actions (forced reset, step-up authentication, re-verification) tuned to source & severity.
Low-friction UX by acting only on high-confidence events; reduce false positives & churn.

🏦 Who benefits

Financial services — reduce ATO & transaction fraud
E-commerce & marketplaces — protect revenue & loyalty balances
Telecom & media — safeguard high-value subscriptions
Any B2C app — strengthen identity security without excess friction

🛠️ Getting started

Choose control points: account creation and login.
Integrate APIs: call Consumer ATO Prevention to evaluate user risk.
Define policies: by source (breach / malware / phished), severity, and credential risk.
Automate responses: force resets or require step-up auth.
Measure & tune: ATO prevented, password resets, step-up auth success, and user friction.

✅ Outcomes you can expect

Fewer takeovers from password reuse and credential replay
Lower operational load through automation and high-fidelity alerts
Protected brand trust and improved customer retention