Payment fraud detection
Stop unauthorized payments across ACH, wire and RTP in real time. The adaptive risk engine evaluates device, behavioral and payee signals on every payment to stop fraud before funds leave.
- Real-time payment risk scoring
- Mule account detection
- Velocity and pattern analysis
- Adaptive step-up verification
- Event
- WIRE 6A2D-93
- Rail
- Wire
- Amount
- $48,000.00
Why it was flagged
- Beneficiary bank details changed shortly before paymentContext
- Beneficiary account receiving from many new sendersNetwork
- First wire to this country for the businessBehavior
- Approved by someone who rarely approves wiresBehavior
Treasury is asked to confirm the new bank details by phone before release.
- <50ms
- Wire, ACH and instant payments scored before release.
- Mule detection
- Recipient accounts checked for mule behavior.
- BEC signals
- Changed bank details and unusual approvers flagged.
- Step-up, not stop
- Extra checks only when risk thresholds are crossed.
Security across the whole payment lifecycle
Secure every stage of a payment with automated risk assessment and targeted step-up verification.
Velocity analysis
Detect unusual payment bursts and abnormal frequency patterns that signal account takeover or automated fraud.
Destination profiling
Evaluate external accounts and routing numbers against historical risk data and known mule account indicators.
RTP real-time scoring
Decide instant payments in milliseconds, so security doesn't slow the speed of business.
Adaptive authentication triggers
Prompt for manual approval or extra authentication only when risk thresholds are meaningfully exceeded.
Protect every payment rail
Build payment products with fraud controls in place from the first integration.
- Stop wire and ACH fraud
- Real-time RTP risk scoring
- Mule account detection
- Reduce operational review costs
- Beneficiary and payee checks
- API integration with your payment stack
Checks on every payment
- Beneficiary match
- Velocity limits
- Device trust
- Risk score
Questions about payment fraud detection
What types of payments are protected?
Our platform protects ACH transfers, wire transfers, real-time payments (RTP), and instant payment systems with comprehensive fraud detection.
How are mule accounts detected?
We analyze recipient account patterns, transaction velocities, and behavioral indicators to identify accounts being used to launder fraudulent funds.
Can high-value wire transfers be protected in real-time?
Yes, our platform provides real-time risk scoring for all payment types, including high-value wire transfers, with adaptive verification triggers.
Secure your payment rails
Talk to our team about protecting your high-value payments with real-time risk intelligence.