Check Your Exposure

PRODUCT: CONSUMER ATO PREVENTION

Stop Consumer Account Takeovers Before They Start

Account takeovers don’t just happen from reused passwords. Empower your fraud and security teams with timely identity intelligence to detect compromised users and intervene before unauthorized access, fraud, or brand damage occurs.

Get a demo
Get pricing
HOW IT WORKS

Disrupt cybercriminals' ability to profit

Today’s cybercriminals exploit the full spectrum of a user’s exposed identity – from malware-exfiltrated session cookies to stolen credentials and PII. SpyCloud operationalizes the world’s largest recaptured identity data repository – including breach, malware, and phished data – to help you detect exposed credential data, automate step-up authentication or password reset, and support your overall consumer ATO prevention strategy.

Get a demo to see how it works
Download datasheet
Reduce consumer ATO

Prevent criminals from making fraudulent purchases, siphoning rewards points, stealing personal information, and locking legitimate users out of their own accounts

Increase operational efficiency

Reset passwords or choose an appropriate step-up authentication path for affected users without adding unnecessary friction to the user experience

Preserve customer trust

From account creation to digital transactions – safeguard your consumers’ digital experiences to ensure brand loyalty and trust

Flexible APIs for your workflows & use cases

Learn more about
how SpyCloud APIs work
User exposure

Identify exact-match identity exposures tied to users across breaches, malware, and phishing – based off username or email address

Password exposure

Check whether a password has ever been exposed to prevent risky, reused credentials

Consumer IDLink

Go beyond basic credential checks to reveal additional exposure signals tied to your consumers, helping you make better-informed decisions about account security

Since SpyCloud recaptures credentials directly from the criminal underground, we now have a level playing field with fraudsters – with the same data, we can easily identify compromised consumers and be more proactive in protecting them.

Director of eCommerce, Mobile Marketplace
TRUSTED BY HUNDREDS OF GLOBAL INDUSTRY LEADERS
See why customers choose SpyCloud

EXPLORE MORE PRODUCTS

Shut down other entry points

Layer SpyCloud’s additional products to tackle fraud at every entry point.

Consumer Session Identity Protection

Stop session hijacking by detecting stolen authentication cookies that could lead to customer account takeover

Investigations

Enrich your fraud workflows with analytics that reveal synthetic identities, complex fraud patterns, and high-risk user behaviors

Compromised Credit Card API

Remediate compromised credit, gift, and loyalty cards to prevent fraud losses, before they happen

Next steps

Fraud moves fast – you move faster with SpyCloud

Your consumers expect security. Give it to them, before attackers act.

SpyCloud Consumer ATO Prevention FAQS

SpyCloud Consumer ATO Prevention FAQs

In an account takeover (ATO) attack, criminals use another person’s login credentials, most often by leveraging reused or similar passwords from previously breached sites, to gain access to existing accounts. Once inside, they make unauthorized transactions, siphon funds, and steal corporate data or personally identifiable information (PII) to use for other purposes, or simply to sell to other attackers on the dark web.

Criminals are typically taking over accounts for profit, pure and simple. It all comes down to money, and how much of it criminals can extract from what they’ve stolen. Contrary to what you may have heard elsewhere, the first step to monetizing stolen data is not to sell it on the dark web. That’s actually the last step. What happens first is the highest effort, most profitable activities.

With stolen data, criminals will:

  • Drain financial accounts, crypto wallets or loyalty point balances
    Criminals will take control of financial accounts and immediately wire or transfer the balance from victims’ accounts. In a twist on this concept, there has been a huge uptick in peer-to-peer payments fraud, up 733% since 2016.
  • Make fraudulent purchases
    Another quick scheme: criminals will purchase goods using stolen or stored credit card or gift card data. In fact, 40% of all fraudulent activity associated with an account takeover occurs within a day.
  • Create synthetic identities
    Some criminals are specialists when it comes to creating new identities with a combination of fake and legitimate (stolen) data. The payoff might not come for months, since these identities need to be “warmed up” before they are used to obtain lines of credit.
  • Exploit victims’ work accounts
    Criminals may try to locate and steal corporate IP and deploy business email compromise scams, which resulted in $2.4B in losses in 2021 alone.
  • SIM swap victims to bypass MFA
    In a SIM swap attack, criminals transfer a victim’s phone number to their own SIM card in order to bypass multi-factor authentication and take over sensitive accounts.

SpyCloud Consumer ATO Prevention operationalizes SpyCloud’s extensive database of recaptured darknet assets using high-volume, REST-based APIs. Depending on your organization’s requirements, you can check consumer logins using identifiers (such as email address, username, phone number, or IP address), passwords (partial hashes), or a combination of both.

Alternative solutions are available for organizations that must satisfy a high volume of API calls or specialized privacy requirements.

Most account takeover (ATO) detection tools operate reactively, alerting you after a suspicious login attempt or flagging unusual behavior on an account. At SpyCloud, we believe prevention beats detection, and that’s where we’re fundamentally different.

Our approach starts with the earliest warning signals of future fraud – recaptured data from breaches, malware logs, and stolen credentials from successful phishing campaigns – that we transform into fresh, actionable intelligence for you. With this identity intelligence and automated remediation, you can shut down fraud before it’s used in an attack.