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

ML Fraud Score Reasons May Not Be Provided

High confidence Common · 210 of 343 platforms

Key Facts · in the document’s own words

What may Checkout.com be unable to provide?
“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.”
Version CA-V-007200, captured Sept. 29, 2026 · live source ↗
Our reading, not the document’s words
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)

Generated by a model from the captured document; not read by a person

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.

Consumer impact (what this means for users)

Generated by a model from the captured document; not read by a person

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

How other platforms handle this

StockX

StockX may use fraud protection measures, including algorithms and automated systems, to monitor for fraud. Such measures may result in cancellation of orders or listings or account suspension.

Credit Karma

Our Chatbots may generate outputs that are inaccurate or inappropriate for your situation, so you should not rely solely on their answers. You should always verify the accuracy of such information

Klaviyo

due to the nature of artificial intelligence, Outputs may not be unique across users, and identical or similar content may be generated for third parties.

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

Provision details

Document information
Document
Checkout.com Terms
Entity
Checkout.com
Tracking information
First captured by ConductAtlas
May 5, 2026
Text quoted from version
CA-V-007200, captured Sept. 29, 2026
Record ID
CA-P-053702
Document ID
CA-D-000662
Evidence Provenance
Source URL
Wayback Machine
Archived bytes SHA-256 (version CA-V-007200)
c04a72251b19df0c87876a5c37183f41a9062cd0176cfed6d2503ccafe75030a
Analysis generated
May 7, 2026 20:58 UTC
Methodology
Evidence
✓ Excerpt found in version CA-V-007200, captured Sept. 29, 2026 (checked Oct. 5, 2026)
Citation Record
Entity: Checkout.com
Document: Checkout.com Terms
Record ID: CA-P-053702
Version: CA-V-007200
Captured: 2026-09-29 01:14:48 UTC
SHA-256: c04a72251b19df0c…
URL: https://conductatlas.com/platform/checkoutcom/checkoutcom-terms/provision/CA-P-053702/ml-fraud-score-reasons-may-not-be-provided/
Accessed: Oct. 22, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Categories

Other risks in this policy

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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 210 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.