Canonical URL: https://giftcard.news/fraud-security/gift-card-aggregators-face-significant-fraud-risks-says-runa-io-252018fdc8f9/ --- description: Runa highlights account takeover, refund abuse and fabricated claims, arguing that authorization checks alone leave gaps in gift card fraud prevention. title: Runa urges gift card aggregators to extend fraud controls beyond checkout image: https://giftcard.news/images/social/v1/runa-urges-gift-card-aggregators-extend-fraud-controls-beyond-checkout-d00274460d151a9cf15563b2a47ca336.jpg --- 1. [Home](https://giftcard.news/) 2. [Fraud & Security](https://giftcard.news/fraud-security/) # Runa urges gift card aggregators to extend fraud controls beyond checkout Runa highlights account takeover, refund abuse and fabricated claims, arguing that authorization checks alone leave gaps in gift card fraud prevention. By [Daniel Brooks](https://giftcard.news/author/daniel-brooks/) July 1, 2026 2 min read Share [ ](https://x.com/intent/post?url=https%3A%2F%2Fgiftcard.news%2Ffraud-security%2Fgift-card-aggregators-face-significant-fraud-risks-says-runa-io-252018fdc8f9%2F%3Futm%5Fsource%3Dx%26utm%5Fmedium%3Dsocial&text=Runa%20urges%20gift%20card%20aggregators%20to%20extend%20fraud%20controls%20beyond%20checkout "X") [ ](https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Fgiftcard.news%2Ffraud-security%2Fgift-card-aggregators-face-significant-fraud-risks-says-runa-io-252018fdc8f9%2F%3Futm%5Fsource%3Dlinkedin%26utm%5Fmedium%3Dsocial "LinkedIn") [ ](https://wa.me/?text=Runa%20urges%20gift%20card%20aggregators%20to%20extend%20fraud%20controls%20beyond%20checkout%20https%3A%2F%2Fgiftcard.news%2Ffraud-security%2Fgift-card-aggregators-face-significant-fraud-risks-says-runa-io-252018fdc8f9%2F%3Futm%5Fsource%3Dwhatsapp%26utm%5Fmedium%3Dsocial "WhatsApp") ![Source image for Gift Card Aggregators Face Significant Fraud Risks, Says Runa.io](https://giftcard.news/images/variants/v1/runa-urges-gift-card-aggregators-extend-fraud-controls-beyond-checkout-source-image-w1280.webp) Photo: Source: runa.io Gift card aggregators need to track losses after payment authorization as well as at checkout, [Runa](https://giftcard.news/company/runa/) argues in a July 2026 analysis of reseller fraud. Once a code has been delivered and spent, a later chargeback can remove revenue while leaving the aggregator unable to recover the value. Runa identifies four recurring patterns: bulk purchases using stolen card details, purchases through compromised customer accounts, refund abuse by genuine buyers, and claims supported by fabricated images or screenshots. A legitimate-looking payment does not establish that the account is secure or that a later refund claim is valid. The company cites [Riskified](https://giftcard.news/company/riskified/)’s comparison showing gift cards to be around four times as exposed to chargebacks as physical goods. It separately references [Mastercard](https://giftcard.news/company/mastercard/) and Datos Insights’ 2025 estimate of an average US chargeback of about $110, using the figures to illustrate the pressure disputes can place on reseller margins. ## Monitoring refunds, chargebacks and delivery records Runa recommends combining checkout checks with monitoring of account behavior and refund patterns after purchase. It also suggests examining prospective business customers’ dispute histories during onboarding, where that information is available. For disputes that do occur, the company proposes matching chargebacks to order and delivery records and tracking evidence deadlines. That reconciliation work supports timely responses; it does not prevent a chargeback from being filed or guarantee that a merchant wins. The analysis distinguishes a payment processor’s authorization and dispute services from the controls needed throughout gift card delivery and refund handling. Runa’s central recommendation is to identify the point at which each loss occurs and assign a corresponding control, instead of treating fraud protection as a single setting. ## Sources and documents ExpandCollapse * [The Fraud Line: Where Aggregator Margin Actually Goes and Why Most Controls Miss It](https://runa.io/blog/the-fraud-line-where-aggregator-margin-actually-goes?utm%5Fsource=giftcard.news) — runa.io ## In this article ### Companies * [Mastercard](https://giftcard.news/company/mastercard/) * [Riskified](https://giftcard.news/company/riskified/) * [Runa](https://giftcard.news/company/runa/) Share [ ](https://x.com/intent/post?url=https%3A%2F%2Fgiftcard.news%2Ffraud-security%2Fgift-card-aggregators-face-significant-fraud-risks-says-runa-io-252018fdc8f9%2F%3Futm%5Fsource%3Dx%26utm%5Fmedium%3Dsocial&text=Runa%20urges%20gift%20card%20aggregators%20to%20extend%20fraud%20controls%20beyond%20checkout "X") [ ](https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Fgiftcard.news%2Ffraud-security%2Fgift-card-aggregators-face-significant-fraud-risks-says-runa-io-252018fdc8f9%2F%3Futm%5Fsource%3Dlinkedin%26utm%5Fmedium%3Dsocial "LinkedIn") [ ](https://wa.me/?text=Runa%20urges%20gift%20card%20aggregators%20to%20extend%20fraud%20controls%20beyond%20checkout%20https%3A%2F%2Fgiftcard.news%2Ffraud-security%2Fgift-card-aggregators-face-significant-fraud-risks-says-runa-io-252018fdc8f9%2F%3Futm%5Fsource%3Dwhatsapp%26utm%5Fmedium%3Dsocial "WhatsApp") ![Portrait of Daniel Brooks](https://giftcard.news/images/variants/v1/daniel-brooks-editorial-portrait-w320.webp) About the author ## [Daniel Brooks](https://giftcard.news/author/daniel-brooks/) Journalist — Payments, Security & PCI DSS Daniel Brooks covers payment networks, financial technology, payment security, gift card fraud and PCI DSS for Gift Card News. From reading to building ## Your next move in gift cards. Tell us what you’re building. We’ll help you explore suitable providers. [Find a provider ](https://giftcard.news/find-a-provider/) ## Related articles [Fraud & Security](https://giftcard.news/fraud-security/) News ### [HMRC Crypto Tax Warnings Reach 81,172 Ahead of 2027 Platform Reports](https://giftcard.news/fraud-security/hmrc-crypto-tax-warnings-nearly-triple-to-81-172-including-those-involvi-803f20baedd7/) [Maya Bennett](https://giftcard.news/author/maya-bennett/) August 23, 2026 2 min [Fraud & Security](https://giftcard.news/fraud-security/) News ### [Zil Money Guides Nonprofits on Gift Card Fraud and Payment Approval Controls](https://giftcard.news/fraud-security/nonprofit-fraud-awareness-guide-highlights-common-scams-and-prevention-s-aa5b0a4bcfad/) [Daniel Brooks](https://giftcard.news/author/daniel-brooks/) August 22, 2026 1 min [Fraud & Security](https://giftcard.news/fraud-security/) News ### [UPay Reviews USDT Off-Ramps and Crypto Card 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