The overall rating reflects the current state of the app. It accounts for all app reviews but prioritizes the most recent ones.
Simple functionality, only really useful for preventing orders from high-risk countries and/or known fraudsters. Better functionality is provided by several risk management apps now available in the app store. Search for Riskified, Signifyd, and Sift Science for a few better options.
If your store is not based in the USA, this is a useless app to detect frauds. It's basically a filter for the data your customer types, it doesn't check credit cards, proxies, phone numbers, addresses and so on. You can't complaint about it though, as it's 100% free. If you're serious about preventing frauds, you need Subuno. Check it out on the app store.