Credential stuffing attacks test stolen username-password pairs from unrelated breaches against ecommerce login pages. When a customer reuses a password from a breached site on their shopping account, attackers test that credential at scale using automated tools. Successful logins lead to stored payment method fraud, loyalty point theft, and account resale. SpyCloud’s User Exposure API checks whether a customer’s identity appears in SpyCloud’s recaptured breach, malware, and phishing data at the point of login, returning a risk signal that triggers step-up authentication for confirmed high-risk users without adding any friction for the majority of clean customers.

Loyalty programs and stored payment accounts hold real financial value, making them attractive targets for account takeover. The highest-risk ATO attempts come from attackers using stolen session cookies rather than credentials, because session replay bypasses MFA and login-time fraud controls entirely. SpyCloud’s Session Identity Protection API detects when a customer’s active session cookies are circulating in criminal markets and invalidates them before the attacker can drain a loyalty balance or charge a stored payment method. This is the fraud protection layer that operates above authentication rather than at it.

Broad-based fraud controls that block or challenge all anomalous-looking sessions create friction for legitimate customers and increase cart abandonment. SpyCloud adds specificity: a challenge or step-up authentication trigger is applied only to users with confirmed identity exposure in SpyCloud’s recaptured data, not to users who simply look unusual by behavioral metrics. A user accessing their account from a new device may look risky behaviorally but may have a completely clean SpyCloud exposure record, meaning they receive no additional friction. A user with a confirmed credential exposure in criminal markets receives a targeted challenge even if their behavioral signals look normal.

Infostealer malware on a customer’s personal device captures every credential stored in the browser including ecommerce account logins, stored payment methods saved in browser autofill, and active session cookies for any active shopping sessions. SpyCloud recaptures infostealer malware logs from criminal sources within hours of distribution. Ecommerce platforms using SpyCloud can detect when a customer’s device has been infected and their session cookies stolen before an attacker replays those cookies, allowing targeted session invalidation and account security prompts to reach the customer before fraud occurs.

SpyCloud is an upstream identity exposure signal that enriches existing fraud decisioning platforms rather than replacing them. Forter, Signifyd, Riskified, and similar platforms make accept-decline-challenge decisions based on behavioral, device, and transaction signals. SpyCloud adds the upstream layer: whether the account owner’s identity is confirmed-compromised in criminal markets. A user with a confirmed SpyCloud exposure signal receives an elevated risk score in the fraud platform’s decision engine regardless of whether their behavioral signals look normal. The integration is API-based and adds a single additional risk feature to the existing decisioning model.