Accertify processed 49.3 million transactions worth $5.7 billion for its clients on Cyber Monday 2025, marking a 24% increase in transaction count but only a 6% rise in total value compared to 2024. The data reveals a clear consumer shift toward more frequent, lower-value purchases during the peak shopping event.
The significant drop in average transaction value mirrors patterns observed on Black Friday 2025, indicating shoppers are spreading spending across more checkouts rather than loading larger carts. This trend challenges merchants to handle dramatically higher volume while maintaining fast, accurate risk decisions and preserving customer experience.
Peak transaction hour moved later to 9 p.m. Central, suggesting extended evening shopping sessions as consumers hunted deals after work or family commitments.
Despite the surge, Accertify’s AI-enabled risk platform delivered a median approval rate of 99.30%, enabling merchants to capitalize on legitimate demand while minimizing friction.
Accertify’s fraud detection systems flagged $100.7 million in suspected fraudulent transactions, with clients already confirming 128,914 incidents as actual fraud—a 17% increase over Cyber Monday 2024. The rise underscores the growing sophistication and volume of attacks during high-traffic periods.
"Cyber Monday reinforced what we saw on Black Friday: consumers are making more purchases with lower values," said Mark Michelon, President of Accertify. "Accertify's platform helped merchants absorb this demand while maintaining strong approval rates and minimizing fraud exposure at scale."
The combination of higher transaction velocity, smaller basket sizes, and elevated fraud attempts highlights the critical role of real-time, AI-driven risk decisioning in modern digital commerce.
About Accertify
Accertify, Inc., is a leading unified risk decisioning platform provider, spanning fraud prevention, chargeback management, account protection, abuse prevention, and payment gateway solutions to clients in diverse industries worldwide. Accertify's suite of products helps digital commerce companies grow by reducing fraud-related losses, streamlining operations, and preserving the consumer experience.
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