Case Study: YapStone achieves rapid global expansion and reduced fraud losses with Provenir

Innovations in Risk Decisioning Fuel YapStone’s Rapid Global Expansion

YapStone, a California‑based provider of online and mobile payment solutions for global marketplaces, processes about $18 billion in electronic peer‑to‑peer transactions annually and serves high‑risk, high‑ticket use cases like vacation rentals. Their challenge was real‑time merchant onboarding, fraud and risk monitoring across geographies and alternative payment methods, while verifying travelers, payment instruments and property ownership; to meet this need YapStone selected Provenir and its Decisioning Cloud as a strategic partner.

Provenir’s Decisioning Cloud became the hub for YapStone’s proprietary underwriting and fraud models, centralized 3rd‑party risk vendor integrations, and supported A/B and regression testing through a user‑friendly interface. Using Provenir, YapStone automated merchant onboarding and risk decisioning, improved speed to revenue, reduced losses for marketplace partners, and retained the ability to assume transaction liability while scaling globally.

YapStone