Fraud screening for marketplace payments in 2026: what FraudLabs Pro checks and what it costs
The FraudLabs Pro integration is still part of every Yclas site. You'll find it under Panel > Integrations > FraudLabs Pro, and all it needs is your API key. The gateway list has changed since this post first came out. 2Checkout is now a Verifone product, and the fraud check now runs on many more payment flows: the Stripe card form, 2Checkout, Razorpay, PayFast, PayTabs, Mercado Pago and several regional gateways.
What is checked, and what happens when an order looks risky
For each paid order, your site sends FraudLabs Pro these details:
- the IP address of the request
- the country that IP belongs to
- the order amount and currency
- the buyer's email address
Only an APPROVE answer lets the order go through. A REVIEW or REJECT answer stops it, and so does an error such as an exhausted monthly quota. The buyer is then asked to try another payment method. With the Stripe card form, this check runs before the card is charged. With redirect gateways such as 2Checkout or PayFast, it runs when the gateway reports the payment back. A blocked order there may already have been paid, so check your gateway dashboard and refund it if needed. If genuine buyers get blocked, look at your FraudLabs Pro dashboard, loosen the rules that are firing, and check that you haven't run out of queries.
Current FraudLabs Pro plans
Prices from the FraudLabs Pro pricing page (checked October 2026):
| Plan | Price per month | Queries per month | Validation rules |
|---|---|---|---|
| Micro | Free | 500 (and sales under USD 25K/month) | 5 |
| Mini | $29.95 | 1,500 | 5 |
| Small | $99.95 | 5,000 | 10 |
| Medium | $249.95 | 25,000 | 20 |
| Large | $499.95 | 100,000 | 30 |
| Enterprise | $1,249.95 | 500,000 | 40 |
Each paid order you screen uses one query. The free Micro plan covers most small and medium classifieds sites that sell featured listings or memberships.
FraudLabs Pro or your gateway's own tools?
Some payment providers now include fraud screening. According to Stripe's Radar pricing page (October 2026), Radar Lite comes at no extra charge on standard Stripe pricing. It gives AI-based screening of card payments and card testing. Custom rules, allowlists and blocklists, and manual reviews are only in the paid Radar Plus and Radar Pro tiers. Some rules of thumb:
- Stripe only: Radar Lite already screens your card payments. Add FraudLabs Pro if you want your own rules without a paid Radar tier, such as blocking countries you never sell to or disposable email addresses.
- Several gateways, or a regional one (PayFast, PayTabs, Razorpay, Mercado Pago): FraudLabs Pro gives you one set of rules and one dashboard across all of them, which is where it adds the most.
- Low order volume: start on the free Micro plan and upgrade only if you go past 500 paid orders a month.
Whichever you choose, buyer IP addresses and emails go to a third party for fraud prevention, so say so in your privacy policy.
- Your users can sort the listing by Favorites, so the ads with more favorites will come first ;)
- Publish new ad works faster than ever since we resize the image before uploading them
- You can add text to the contact.html page from the settings
- Splash now works RTL too
- Category count now filters by location, so if your users are browsing a location the number of ads that appear on the menu is accurate
