ClearSale
ClearSale is a fraud-management and chargeback-protection company that combines machine-learning software with human transaction review for e-commerce and other digital businesses.
Last updated August 31, 2026
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Overview
ClearSale is a fraud-management and chargeback-protection company founded in Brazil in 2001 by Pedro Chiamulera, a former Olympic athlete. The company works primarily with merchants and digital businesses that need to evaluate transactions made without the physical presentation of a payment card, commonly called card-not-present or CNP transactions. Its core proposition is to help clients approve legitimate orders while identifying fraudulent activity, limiting chargeback losses, and reducing the number of genuine customers rejected by overly cautious automated systems. ClearSale's platform evaluates orders submitted through client websites and other digital channels, assigning them to different risk categories. Its technology uses machine learning and behavioral signals to assess factors associated with transaction legitimacy. These signals can include a customer's behavior on a website, the time spent before making a purchase, historical user patterns, and other characteristics of the order and account. Transactions that are approved automatically can be processed within seconds. Orders identified as uncertain or high risk may be sent to a manual review operation, with the review process intended to reduce false positives and distinguish fraud from unusual but legitimate customer behavior. The company has described this combination of automation and human analysis as an important part of its end-to-end fraud-prevention model. The company developed from a Brazilian e-commerce fraud specialist into an international provider with operations in São Paulo and Miami and a workforce reported at more than 1,000 employees. Its offering has addressed several related merchant concerns: direct fraud losses, chargebacks, rejected orders, review workload, and response time. Rather than treating fraud detection as only a payment-screening function, ClearSale has positioned its platform as a broader risk-management service that accompanies an order from submission through decision and, where necessary, human investigation. Partnerships and integrations have been central to ClearSale's expansion. In 2008, it partnered with Quova to incorporate internet-geolocation data into its fraud-detection capabilities. During 2016, the company worked with Rand Internet Marketing to make its prevention services available to that firm's clients and released software aimed at merchants operating in the United States. ClearSale also developed integration modules or connectors for widely used commerce and payment ecosystems, including Stripe, Zoey, OpenCart, Volusion, Magento, BigCommerce, Shopify, PrestaShop, and WooCommerce. ClearSale broadened its analytical capabilities during the second half of the 2010s. In 2016 it introduced an integrated behavioral-biometric function that compared customer behavior with historical patterns to help assess whether an order was genuine. It also published a Brazilian e-commerce fraud map intended to show patterns and trends in attempted fraud. In 2017, it expanded beyond conventional online retail by announcing fraud detection for real-time applications such as games and distance-learning services, and it launched Active Market Radar and Behavior Analytics, including a fraud-radar score for clients. In October 2024, Experian agreed to acquire ClearSale for $350 million, subject to regulatory approval in Brazil. Experian announced on April 2, 2025 that the acquisition had been completed. Under Experian ownership, ClearSale remains associated with fraud prevention, identity and transaction risk, and digital-commerce protection. The brand's role is to help businesses balance security with conversion: detecting suspicious activity without unnecessarily blocking legitimate purchases.
History
ClearSale was established in Brazil in 2001 by Pedro Chiamulera, a former Olympic athlete. It developed around the practical problem of online transaction fraud: merchants needed to identify suspicious orders without imposing so many restrictions that legitimate customers were turned away. The company's model combined software-based risk assessment with a human review layer, allowing automated handling for lower-risk orders and additional investigation for transactions that required contextual judgment. An important early development came in 2008, when ClearSale partnered with Quova to incorporate internet-geolocation data into its fraud-detection platform. Geolocation information helped add network and location context to other transaction signals and supported the company's broader effort to evaluate orders through multiple indicators rather than a single rule. ClearSale expanded its capabilities and geographic reach during 2016. It partnered with Rand Internet Marketing to make its fraud-prevention services available to Rand's clients and introduced software for e-commerce merchants in the United States. The company also reported that 3.05% of the transactions it analyzed during that year were attempted fraud, a measure illustrating the type of transaction-risk environment its service was designed to address. In the same period, ClearSale introduced an integrated behavioral-biometric feature. The feature compared observed customer behavior with historical patterns, using signals such as the time a visitor spent on a site before purchasing to help determine whether an order appeared legitimate. ClearSale also released a fraud map focused on Brazilian e-commerce, presenting information about patterns in attempted fraud. The operating model continued to balance speed and investigation. Approved orders could be processed in seconds, while orders referred for manual review could take approximately 24 to 48 hours. The manual process was intended to reduce false positives, particularly in cases where a customer or purchase looked unusual to an automated system but was not actually fraudulent. The company broadened its integration footprint through modules for services and platforms including Stripe, Zoey, OpenCart, Volusion, Magento, BigCommerce, Shopify, PrestaShop, and WooCommerce. These connections made it easier for online merchants to incorporate ClearSale's risk controls into existing storefront, payment, and order-management workflows. In October 2017, ClearSale announced fraud-detection coverage for real-time applications such as games and distance-learning courses, extending its addressable market beyond conventional e-commerce orders. In December of that year, it launched Active Market Radar and Behavior Analytics, which included a fraud-radar score intended to give clients an additional view of changing risk conditions and customer behavior. ClearSale grew into an international company with offices in São Paulo and Miami and more than 1,000 employees reported in reference material. Its service scope remained centered on card-not-present fraud, chargeback exposure, rejected orders, fraud attempts, and the speed of transaction decisions. In October 2024, Experian agreed to purchase the company for $350 million, pending regulatory approval in Brazil. On April 2, 2025, Experian announced that the acquisition had been completed. The transaction placed ClearSale within Experian's broader information, identity, and risk-management group while preserving ClearSale's association with digital-commerce fraud prevention.
- 2025
Experian completes acquisition
[1]Experian announced completion of its acquisition of ClearSale on April 2, 2025.
- 2024
Experian announces proposed acquisition
[1]Experian agreed to acquire ClearSale for $350 million, subject to Brazilian regulatory approval.
- 2017
Expansion into real-time applications
[1]The company announced fraud detection for applications such as games and distance learning.
- 2017
Active Market Radar and Behavior Analytics launch
[1]ClearSale launched offerings incorporating market monitoring, behavioral analytics, and fraud-risk scoring.
- 2016
U.S. expansion and behavioral analysis
[1]ClearSale introduced software for U.S. e-commerce merchants, formed a distribution partnership with Rand Internet Marketing, and added behavioral-biometric analysis and a Brazilian e-commerce fraud map.
- 2008
Quova geolocation partnership
[1]ClearSale partnered with Quova to use internet-geolocation data in fraud detection.
- 2001
ClearSale is founded in Brazil
[1]Pedro Chiamulera founded ClearSale as a company focused on fraud management and transaction protection.
Products and positioning
A technology-enabled fraud-management partner for digital commerce and other online businesses, differentiated by combining machine learning, behavioral analysis, transaction intelligence, and human review to reduce fraud and chargebacks while limiting false declines.
Fraud prevention software and services · 2001
ClearSale Fraud Management Platform
ClearSale's core platform evaluates transactions submitted through client digital channels and sorts them according to assessed fraud risk. It combines machine-learning analysis with human review, enabling rapid processing of approved orders while sending uncertain or declined transactions for additional investigation. The platform addresses card-not-present fraud, chargebacks, rejected orders, and the need to balance fraud controls with customer conversion.
Behavioral fraud analytics · 2017
Behavior Analytics
Behavior Analytics uses customer and session behavior as part of transaction-risk assessment. Signals may include how a user navigates a website, how long the user spends on the site before purchasing, and how observed activity compares with historical behavior. The product is designed to provide context beyond payment and order fields, helping distinguish legitimate unusual activity from behavior associated with fraudulent transactions.
Fraud intelligence and risk scoring · 2017
Active Market Radar
Active Market Radar is a ClearSale offering introduced with Behavior Analytics that provides clients with a broader view of fraud conditions and market risk. Its functionality includes a fraud-radar score intended to help merchants interpret changes in attempted fraud and associated behavioral patterns. It supports a more strategic approach to transaction protection alongside individual-order screening.
Fraud investigation service
Manual Review
ClearSale's manual-review operation supplements automated decisioning for transactions that are denied, flagged, or otherwise considered uncertain. Human analysts examine additional context to reduce false positives and avoid rejecting legitimate customers solely because their behavior differs from a standard pattern. Reference material indicates that manual review can take approximately 24 to 48 hours, compared with seconds for approved automated transactions.
Brand decisions
2025
Completion of Experian acquisitionM&ABackground
Experian's proposed purchase required regulatory approval in Brazil before closing.
Action taken
Experian announced on April 2, 2025 that it had completed the purchase of ClearSale.
Aftermath
ClearSale became part of Experian's corporate group and continued as a fraud-management brand within the combined business.
2024
Agreement to be acquired by ExperianM&ABackground
ClearSale had developed an international fraud-management business serving e-commerce and other digital channels, while Experian operated a broader information and risk-services portfolio.
Action taken
Experian agreed to acquire ClearSale for $350 million, subject to regulatory approval in Brazil.
Aftermath
The proposed transaction was completed in 2025, bringing ClearSale into the Experian group.
Agreed acquisition value. $350 million (October 2024 announced transaction)
2017
Expansion into real-time applicationsProduct launchBackground
ClearSale's capabilities had primarily been associated with online retail transactions, while other digital services also faced fraud and account-abuse risks.
Action taken
The company announced fraud detection for real-time applications, including games and distance-learning courses.
Aftermath
The announcement broadened ClearSale's stated application range beyond standard e-commerce orders.
2017
Launch of Active Market Radar and Behavior AnalyticsProduct launchBackground
Merchants need both individual transaction decisions and broader insight into changing fraud patterns.
Action taken
ClearSale launched Active Market Radar and Behavior Analytics, including a fraud-radar score for clients.
Aftermath
The products added market-level and behavioral perspectives to ClearSale's transaction-screening portfolio.
2016
Launch of U.S.-focused e-commerce fraud softwareProduct launchBackground
ClearSale sought to extend its fraud-prevention services beyond its Brazilian base and make them available to merchants serving the U.S. e-commerce market.
Action taken
The company released software for U.S.-based e-commerce merchants and worked with Rand Internet Marketing to broaden access through its client base.
Aftermath
The move supported ClearSale's international expansion and helped establish a wider market for its transaction-risk services.
2016
Introduction of behavioral biometricsProduct launchBackground
Transaction screening based only on conventional order and payment information can struggle with unusual but legitimate customer behavior.
Action taken
ClearSale integrated behavioral-biometric analysis into its fraud-protection software, comparing observed customer activity with historical user behavior.
Aftermath
The feature expanded the platform's use of behavioral signals and supported its effort to reduce fraud while limiting false declines.
Recent events
- 2025
Experian completes acquisition of ClearSale[1]
M&A
Experian announced that it had completed its purchase of ClearSale on April 2, 2025.
- 2024
Experian agrees to acquire ClearSale[1]
M&A
Experian agreed to acquire ClearSale for $350 million, subject to regulatory approval in Brazil, with completion expected the following year.
- 2017
ClearSale adds fraud detection for real-time digital applications[1]
Product launch
The company announced fraud-detection capabilities for real-time applications, including games and distance-learning courses.
- 2017
ClearSale launches Active Market Radar and Behavior Analytics[1]
Product launch
ClearSale launched products incorporating market-risk monitoring, behavioral analysis, and a fraud-radar score for clients.
- 2016
ClearSale expands U.S. merchant offering and distribution partnerships[1]
Other
The company released software for U.S.-based e-commerce merchants and partnered with Rand Internet Marketing to extend fraud-prevention access to Rand's clients.
- 2016
ClearSale introduces behavioral biometrics and fraud mapping[1]
Product launch · Other
ClearSale added behavioral-biometric analysis to its fraud-protection software and published a map intended to identify trends in Brazilian e-commerce fraud attempts.
- 2008
ClearSale partners with Quova for internet-geolocation data[1]
Other
ClearSale entered a partnership with Quova to use internet-geolocation information in its fraud-detection platform.
Sources2 sources
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