The Risk Bureau for Returns & Refunds.
ANTM.ai is a shared behavioral intelligence network for post-purchase risk, giving merchants consistent, explainable scores on returns and refund claims—before every decision.
Built for e-commerce, marketplaces, and delivery platforms worldwide.
Built on behavioral signals from across the network · Purpose-built for returns & refund decisions
Scoring changed lending. Now it’s changing refunds.
Structured risk scores transformed how lenders price decisions—replacing gut calls with consistent, data-driven signals. ANTM.ai brings that same discipline to returns and refund risk, giving merchants an objective behavioral score before every claim decision.
discipline
Built for high-volume merchants
and platforms.
Lower refund losses without punishing good customers.
Automatically approve refunds for your best customers while applying tighter controls where abuse is detected. Protect margins and improve ROI without degrading the experience for good actors.
Institutional-grade reliability for returns decisions.
Consistent, explainable, and auditable scores—structured like a risk report, not a gut call. Every decision is backed by traceable reason codes so your team can defend any outcome with confidence.
Network intelligence across brands and apps.
Shared behavioral signals catch repeat abusers moving between merchants and delivery apps. The more merchants contribute, the sharper the network's view of cross-platform risk.
How ANTM.ai powers
every decision.
Five steps from raw event data to data-driven risk decisions, in under 50ms.
Ingest events from your systems
Orders, returns, refunds, and claim outcomes stream in via our simple API—no complex ETL required.
Build behavioral profiles
Time-windowed views of spend, claims, approvals, and fraud indicators form a behavioral risk profile for each user.
Score risk in milliseconds
An ANTM Score (0–1000) and claim risk (0–1) per user and claim are computed in under 50ms, ready for real-time decisions.
Drive policy-aligned decisions
Approve automatically, request documentation, or route to manual review—consistently mapped to your risk policies.
Continuously refine risk views
As new outcomes and events enter the system, behavioral profiles and scores update automatically—the model gets sharper over time.
Risk bands that map directly
to your policies.
Three clear tiers—each mapped to a recommended policy action—so every decision is consistent, explainable, and defensible.
Low Returns Risk
Like your prime borrowers
Auto-approve most refunds and streamline CX for your best customers.
- ✓Auto-approve most refunds instantly
- ✓Streamlined CX for highest-value customers
- ✓Minimal friction in return flow
Moderate Risk
Borderline profiles
Ask for proof (photos, receipts) or limit refund types for borderline accounts.
- ✓Request supporting documentation
- ✓Limit high-value refund types
- ✓Escalate unusual claim patterns
High Risk
Repeat abuse behavior
Require manual review or restrict refunds and credits for high-abuse profiles.
- ✓Route to manual review queue
- ✓Restrict refunds and store credits
- ✓Flag for cross-network monitoring
Designed around modern returns realities.
Consumers expect generous return windows and frictionless refunds. ANTM.ai helps you keep that promise sustainably.
Protect margins on high-return SKUs without hurting loyal shoppers.
Return rates average 16–20% for apparel and electronics. With ANTM.ai, you extend generous return windows only to customers whose behavior justifies it—meeting consumer expectations while protecting margins.
Distinguish genuine 'not delivered' claims from repeat abuse patterns.
High-frequency claim abuse is a defining problem for delivery platforms. ANTM.ai's cross-network signals identify repeat abusers—even those rotating between apps—while protecting legitimate customers with genuine issues.
Balance buyer protection programs with fair treatment of sellers.
Marketplace buyer protection creates a triangle of risk across buyers, sellers, and the platform. ANTM.ai helps allocate that risk fairly—flagging serial abusers so seller-funded protection funds aren't drained by a small cohort of bad actors.
Trusted like a bureau.
Relied on by ops teams.
“We needed a returns risk layer that delivers consistent scores, traceable reason codes, and cross-network signals. ANTM.ai is exactly that. Our ops team treats it like a structured risk report for every refund decision.”
Governance and oversight worthy of a bureau.
Enterprise-grade controls that demanding operators require—granular RBAC, immutable audit trails, and privacy-first network intelligence designed for regulated markets globally.
Granular roles for every function
Super Admin, Tenant Admin, Analyst, Support, Developer—enterprise-grade access controls for every function in your organization.
Traceable decisions
Every score and decision comes with reason codes and a full audit trail—so compliance, legal, and ops can reconstruct any outcome.
Privacy-respecting network intelligence
Cross-tenant pattern detection using hashed identifiers. No PII shared across tenants—only aggregated behavioral signals.
One bureau, many stakeholders.
Portfolio-level view of returns risk—the same rigor applied to any operational metric.
See the full distribution of ANTM Scores across your customer base. Identify high-risk cohorts, track score trends over time, and correlate risk bands with actual loss outcomes—the same workflow your finance and ops counterparts use.
Ready to bringdata-driven rigorto your returns?
See how a systematic, behavioral approach to returns and refunds can protect your margins and upgrade your customer experience.
Built for merchants, marketplaces, and delivery platforms who treat returns risk as a first-class operational metric.