Provision record
Checkout.com · Checkout.com Terms · View original document ↗

ML Fraud Score Reasons May Not Be Provided

Medium severity High confidence Explicit document language Common · 216 of 352 platforms

Key Facts

What may Checkout.com be unable to provide?
Checkout.com may be unable to provide the underlying reasons for a score assigned to a Transaction by its machine-learning fraud tool.
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This analysis describes what Checkout.com's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology

ConductAtlas Analysis

Why it matters (compliance & governance perspective)

Businesses relying on the fraud score to accept or reject transactions may have no recourse to understand or challenge the basis of a given score.

Clause Stability Stable

0
Changes
3
Months Monitored
Jul 10, 2026
First Seen
Jul 10, 2026
Last Seen
This clause type exists across 921 other provisions on other platforms.

Consumer impact (what this means for users)

Checkout.com is not obligated to explain the reasoning behind a machine-learning fraud score given to any Transaction.

How other platforms handle this

Tinder Medium

Tinder may itself use or offer to You certain software-enabled technology utilizing artificial intelligence or machine learning systems ("AI Technology") as part of the Services.

ActiveCampaign Medium

Due to the nature of the AI Features, generated Marketing Content may not be unique across users and the AI Features may generate the same or similar Marketing Content for other users.

Walmart Medium

the Output from the Generative AI Features may not be unique across users, and the Generative AI Features may generate or return the same or similar Output to Walmart or a third party

See all platforms with this clause type →
▸ View Original Clause Language DOCUMENT RECORD
"
As this tool is based on machine learning, Checkout.com may be unable to provide the underlying reasons for why a particular score is given to a Transaction.

Excerpt from Checkout.com's Terms

Applicable regulations

GDPR
European Union

Provision details

Document information
Document
Checkout.com Terms
Entity
Checkout.com
Document last updated
May 5, 2026
Tracking information
First tracked
May 7, 2026
Last verified
July 9, 2026
Record ID
CA-P-053702
Document ID
CA-D-00662
Evidence Provenance
Source URL
Wayback Machine
Content hash (SHA-256)
045f4757b2c7c8f47156bb88236ec8d997a22ded9ea2b1116d287db96353fc92
Analysis generated
May 7, 2026 20:58 UTC
Methodology
Evidence
✓ Snapshot stored   ✓ Hash verified
Citation Record
Entity: Checkout.com
Document: Checkout.com Terms
Record ID: CA-P-053702
Captured: 2026-05-07 20:58:42 UTC
SHA-256: 045f4757b2c7c8f4…
URL: https://conductatlas.com/platform/checkoutcom/checkoutcom-terms/provision/CA-P-053702/ml-fraud-score-reasons-may-not-be-provided/
Accessed: Aug. 18, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
Medium
Categories

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Frequently Asked Questions

What does Checkout.com's ML Fraud Score Reasons May Not Be Provided clause do?

Businesses relying on the fraud score to accept or reject transactions may have no recourse to understand or challenge the basis of a given score.

How does this clause affect you?

Checkout.com is not obligated to explain the reasoning behind a machine-learning fraud score given to any Transaction.

How many platforms have this type of clause?

ConductAtlas has identified this type of provision across 216 platforms. See the full comparison.

Is ConductAtlas affiliated with Checkout.com?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Checkout.com.