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Cash on delivery fraud costs merchants in Iraq and the Levant $1,000—$24,000 every month. Fake orders, no-shows, customers who receive a package and claim they didn't. Rezva scores every order before the driver leaves — and flags the ones that shouldn't ship.
The customer never knows this is happening.
After the customer confirms through the Order Engine, the Risk Engine triggers automatically. The customer sees nothing. The analysis begins.
Blacklisted phones and addresses. No-show history. Velocity abuse. Unusual order values. High-risk product categories. Conversation behavior. Payment receipt authenticity. Each signal adds to the score.
Customer history, order patterns, delivery outcomes, and cross-merchant signals are analyzed. A final score from 0 to 100 is produced — with a reason.
0—30: ships automatically. 31—60: merchant reviews via Telegram. 61—85: held, merchant alerted immediately. 86+: rejected. Customer gets a polite message. No confrontation. No explanation needed.
Covering every fraud pattern common in Iraq and the Levant's COD market — including the ones that look like normal orders.
Auto-approved. The driver gets the package. No merchant action needed.
Merchant gets a Telegram card with the score, the flags, and a reason. One tap to approve or reject.
Order held automatically. Merchant gets an immediate alert. Must confirm manually before anything ships.
Customer receives a polite decline via WhatsApp. Merchant is notified. Nothing ships. No confrontation.
Thresholds adjust automatically over time based on your store's actual delivery outcomes.
When a fraud attempt is caught and reported on one store, the signal reaches every other Rezva merchant in real time — anonymously, with no personal data shared. A bad actor who hits Merchant A is flagged at Merchant B within seconds.
No individual merchant can build this alone. A bad actor changes their phone number and starts fresh with you. The network means they don't start fresh — they start flagged.
The network compounds. The more merchants join, the stronger protection becomes for everyone.
For merchants who accept online transfers and bank payments, Rezva analyzes every payment screenshot before it reaches you. Forged receipts, recycled screenshots, and amount mismatches are flagged automatically.
Whether the receipt format matches the actual layout of Zain Cash, FIB, OMT, or the claimed bank. Wrong fonts, wrong colors, and inconsistent styling signal editing.
The amount visible in the image is extracted and compared to the order total. A discrepancy of more than 5% triggers a flag before the merchant sees the screenshot.
Every receipt is fingerprinted. The same screenshot submitted twice — to the same store or a different one — is caught and flagged as a duplicate automatically.
The cross-merchant network amplifies the engine over time. But the most common fraud patterns in Iraq and the Levant — the ones that cost merchants money every week — are caught on day one.
No customer names or order details are ever shared. Only anonymized fraud signals — so every merchant benefits without exposing anyone's data.
First-order high-value COD. Prepaid SIM with expensive item. Odd-hour new customer. Invalid or vague address. High-resale product category. Conversation pressure patterns. Forged payment receipts.
These seven patterns account for the majority of COD fraud any individual merchant faces.
After the first few deliveries, the engine knows your customers. It tracks no-show patterns, return rates, address changes, order value history, and delivery outcomes.
Every confirmed outcome — delivered or not — teaches the engine more about what fraud looks like at your specific store.
Every Sunday, a calibration report arrives by Telegram. Fraud attempts blocked. Good orders passed. Estimated savings in USD. False positive rate. Accuracy score.
You see exactly what the engine prevented — and whether it's making the right calls.
Every COD order scored before it ships.
From day one.