CAP User Exposure API

E-commerce and retail organizations manage millions of customer accounts tied to online storefronts, mobile shopping apps, loyalty programs, and subscription services. These accounts often contain valuable information –stored payment methods, saved shipping addresses, loyalty points, and purchase history – that, if compromised, can result in fraud, customer churn, and financial loss.

SpyCloud empowers retailers and online merchants to stop account takeover (ATO) fraud targeting shoppers, rewards members, and customer service teams. When cybercriminals gain unauthorized access to customer accounts, they can exploit stored data to make fraudulent purchases, drain loyalty balances, or reroute deliveries –resulting in lost revenue and damaged brand trust.

🚨 Why Account Takeover Is a Growing Threat for E-commerce & Retail

As digital shopping becomes the norm, attackers increasingly target customer credentials to exploit account features and stored financial data. Key risk factors include:

• Password reuse: Shoppers often reuse login credentials across multiple sites, making accounts vulnerable to large-scale credential stuffing attacks.
• Malware and phishing: Customers and employees alike may be tricked by phishing emails, fake order confirmations, or infected coupon downloads – leaking their login credentials.

Fraudulent account actions: Once attackers gain access, they may:

• Make unauthorized purchases using stored cards
• Modify shipping addresses to intercept deliveries
• Redeem loyalty rewards or store credits
• Lock out legitimate users by changing passwords or MFA settings

These threats lead to chargebacks, inventory loss, increased support costs, and erosion of customer trust.

🛡️ Proactive Defense with SpyCloud

SpyCloud helps e-commerce and retail brands identify exposed credentials and PII before they’re used for fraud. By continuously monitoring breach, malware, and phishing data, retailers can:

• Detect vulnerable customer or employee accounts in real time
• Prevent ATO-related fraud at checkout or login
• Automate fraud response through enhanced authentication or password resets
• Minimize damage to brand reputation and customer loyalty

🔍 User Exposure API for E-commerce & Retail

The User Exposure API allows fraud, security, or IT teams to query SpyCloud’s breach and malware intelligence using identifiers commonly associated with customer accounts:

• Email address
• Phone number
• Username
• IP address

With seamless integration, retailers can:

• Prevent logins using compromised credentials seen in third-party breaches
• Detect malware-infected devices leaking authentication and session data
• Identify exposed PII (e.g., billing details, addresses) connected to retail fraud

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SpyCloud supports over 200+ data types, enabling organizations to assess user risk holistically and take targeted action to protect customers.

🔧 How It Works

1. Submit an account identifier (email, username, etc.) to SpyCloud’s API (SHA1 hash or plaintext). Data is securely transmitted via TLS.
2. SpyCloud returns exposure results—including data from malware logs, phishing kits, and credential breaches.
3. Your system evaluates the exposure:
   1. Is the exposed password still in use?
   2. Was the data tied to malware or phishing?
4. Take action based on threat level:
   1. Enforce a password reset
   2. Initiate step-up verification (e.g., OTP or email confirmation)
   3. Flag the account for investigation or limit checkout functionality

🎯 Key Benefits for E-commerce & Retail Companies

• Stop unauthorized purchases and reward redemptions
• Reduce chargebacks and return fraud linked to account takeovers
• Protect customer loyalty and satisfaction
• Lower support costs tied to compromised accounts and disputes
• Strengthen fraud detection workflows and identity trust models

❗ Why It Matters

Exposed login credentials, PII, and stored payment data are actively traded on the dark web and used by cybercriminals to target retail platforms. The consequences of unchecked ATO attacks include:

• Financial loss through fraudulent orders
• Loyalty program abuse and promo fraud
• Operational disruption and negative press
• Loss of customer confidence and lifetime value

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Integrating SpyCloud’s credential intelligence into your customer protection stack is essential. It empowers you to take proactive measures – blocking bad actors and building long-term trust with your customers.