whatwe offer

Offering a neutral, unbiased, source for information related to setting up and maintaining online payments and fraud prevention:


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  • Founder. My Name is David Montague, I founded The Fraud Practice in 2004, previously serving as president and principal consultant. The Fraud Practice draws from my more than 20 years of experience in eCommerce and over 15 years’ experience in fraud prevention. Throughout my career, from IBM, to CyberSource, to The Fraud Practice and as the SVP of Enterprise Risk with Expedia, I have been repeatedly called upon to evaluate the markets and to develop new payment and fraud solutions for my employers and clients.


  • Sr. Risk Management Consultant. Mr. McDonald conducts data and business analysis for merchants, payment and risk vendors as well as private equity clients with business interests in the Card Not Present channel. Beyond providing direct consulting to clients, Mr. McDonald has led the data analysis and technical writing of more than ten published payment and risk industry reports, and has presented report findings and led other discussions at payment and risk industry events such as the Merchant Risk Council (MRC) and Card Not Present (CNP) Expo.


  • Managing Partner. 25-year industry veteran Kevin Sprake's experience dates back to VP and President roles with Retail Decisions beginning in 1996, through executive leadership positions as a Senior VP with Vesta Corporation, to global Board member of the Merchant Risk Council, and most recently as Chairman and President of Fusion Recruiting Labs, ranked on both the Inc 5000 and Deloitte’s list of America’s fastest-growing technology companies in 2019 and 2020.

WhyChoose Us

We aren't a big consulting firm trying to provide consulting support for any consulting needs. We are a specialized consultancy focused on eCommerce payments and fraud. When you choose The Fraud Practice, you aren't going to get a junior consultant or an inexperienced single-sourced solution. You can be assured that your company's project will be conducted by a real expert in the space so you can get answers faster and at a lower cost than using other consulting firms. Get to know our consultants.

  • Our clients have come from every vertical market and every geographic region in the world, and the fact that we aren’t in the market to “sell” any one solution ensures you will get a vendor neutral analysis with your best interests coming first.

  • Industry Recognized Expertise. Mr. Montague is a published author, having written 2 books on credit card and eCommerce fraud and speaks regularly about eCommerce fraud at events around the world.

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A FewWords About Us

  • Are your fraud losses over 1%? is your company in danger of losing their merchant account?

    We can help you reduce fraud losses and get back in control fast. Many acquirers know us and our track record of successfully getting clients out of card program high risk programs in under 60 days.

  • The Fraud Practice

    The Fraud Practice is a privately held US company based in Palm Harbor, Florida. The Fraud Practice provides consulting services on eCommerce payments, fraud prevention and credit granting. Businesses throughout the world rely on The Fraud Practice to help them build and manage their fraud and risk prevention strategies.


We have developed our own proprietary four phase approach to working with our clients we call our "Total Risk Management Methodology" that looks beyond simply reducing financial risk such as chargebacks.

Our Total Risk Management Methodology allows us to specialize in building balanced strategic solutions that encompass the four fundamental considerations of a Risk Management Solution: Financial Risk, Sales Conversion, Solution Cost and Brand Risk. This means we don't just prevent fraud loss, we show our clients how to prevent fraud loss in the most economical, efficient and practical way for their particular vertical markets.