Antifraud Engine
Score every payment. Stop fraud before it costs you.
One fraud policy in front of every processor you use. Approve the good, step up the unsure to 3D Secure, and block the rest before it reaches your merchant account.
- Card issued inUnited Kingdom
- IP address inUnited Kingdom
- Cards tried from this IP, 1h4
- Card seen beforeNever
- Prepaid cardYes
What the engine reads
The signals are already in the payment. The engine reads all of them.
Card attributes
Brand, type, prepaid and commercial flags, issuer and issuing country, read from the card number before you charge it.
Location mismatch
Compare where the card was issued, where the customer is browsing from and where the order ships.
Card fingerprint
Recognise the same card across customers, stores and attempts, without decrypting it.
Velocity
Catch card testing: many cards from one IP, many attempts on one card, many customers on one fingerprint.
3D Secure step-up
Send the payments you are unsure about to 3D Secure instead of declining them, and keep the sale.
Rules you write
Allow lists, block lists and thresholds per store, country or amount, edited in the dashboard.
Your policy, not ours
Every score ends in one of three decisions.
You set the thresholds. Move them per store, per country or per amount, and change them without a deploy.
Approve
The payment goes straight to the processor your routing picks. Good customers never see a check.
Step up
The customer is asked to approve with their bank through 3D Secure. If it is fraud, liability moves to the issuer.
Block
The payment is declined before it reaches a processor, so it never counts against your fraud ratio.
How it works
Scored before any processor sees it.
Score
Every payment is scored the moment it is created, before any processor sees it.
Decide
Your thresholds turn the score into approve, step up to 3D Secure, or block.
Route
Approved payments continue through your routing graph, to whichever processor you chose.
Questions teams ask before they switch.
A processor's fraud tool only sees the payments sent to it. The Antifraud Engine sits in front of every processor you route to, so one policy and one history cover all of your traffic, and you keep it when you change processor.
Show us your fraud. We will draw the policy.
Tell us what you sell, where your customers are and what fraud costs you today. We will map the rules and thresholds that fit, and what it costs.
- One fraud policy across every processor
- Step up to 3D Secure instead of declining
- A transparent number before you sign anything