Fraud is adaptive, collaborative and fast. Defence must be faster. Our fraud detection and prevention services deliver layered, real-time protection across your payment ecosystem— stopping losses, reducing false declines and safeguarding customer trust without adding friction unnecessarily. Built for scale and explainability, our approach unites intelligence, automation and expert operations to keep pace with evolving threat actors.
We defend the full fraud spectrum across account creation, login, device binding, payment authorisation, post-purchase events and payouts. Typologies include account takeover, synthetic identity, mule activity, collusive merchant fraud, triangulation, friendly fraud, first-party abuse, refund and voucher abuse, credential stuffing, bots and scripted attacks, SIM-swap exploitation, and social-engineering-led push payment fraud.
We ingest signals in real time from payment gateways, core banking, device SDKs, behavioural telemetry (mouse, touch, keystroke dynamics), IP and network intelligence, KYC/KYB outcomes, sanctions and adverse media, chargeback feeds, and internal risk events. Event correlation and entity resolution unify identities across channels and devices.
We compute risk features such as velocity and burst patterns, value dispersion, merchant and BIN histories, device fingerprint stability, session entropy, behavioural biometrics consistency, graph proximity to known bad entities, geospatial anomalies and beneficiary novelty. Features are calculated on the fly for sub-second decisioning and persisted for complete trend analysis.
Our layered stack combines policy rules, supervised machine learning, unsupervised anomaly detection and graph analytics. Rules encode regulatory controls and known typologies; models generalise patterns across vast feature spaces; graph methods expose collusion and mule networks; anomaly scores surface unknown threats.
Events receive composite risk scores with explainable rationales. Outcomes are orchestrated via playbooks: approve, step-up authentication (3DS/SCA, OTP, behavioural challenge), soft or hard block, hold and review, or instant decline. Policies consider channel, value, customer segment and risk appetite to balance protection and experience.
We deploy bot mitigation, rate limiting, device binding, progressive friction, velocity throttles, promo code protections and abuse-resistant refund workflows. Controls adapt at the edge using CDN and WAF integrations to blunt volumetric attacks.
Analyst dispositions, issuer responses, chargebacks, confirmed fraud and SAR outcomes feed continual model retraining and rule hygiene. A/B and multi-armed bandit frameworks safely test strategies with guardrails on authorisation rates and customer friction.
Alerts route to tailored queues with evidence packs, relationship graphs and recommended actions. Integrated tooling accelerates triage, links related events and preserves audit trails for compliance.
We start with a structured diagnostic of your products, channels, geographies, fraud history and regulatory obligations. We then:
Threats evolve daily. Our managed service includes model performance monitoring, drift detection, feature store hygiene, regular recalibration and typology reviews. We run controlled experiments, publish performance reports against agreed KPIs, and co-sponsor roadmap items to anticipate regulatory and market change.
Our methodologies align with FCA guidance, PSD2/SCA requirements, AML/CTF obligations and PCI DSS. We maintain full auditability of rules, thresholds and model versions, with approvals and versioning captured end-to-end. Explainability artefacts support internal governance, auditors and regulators.
We measure success in outcomes that matter: fraud capture lift, false positive reduction, net revenue preserved, authorisation rate, time-to-decision and investigation throughput. Targets are set upfront, tracked transparently and reviewed jointly.
Speak to our team to learn how our fraud detection and prevention services can protect revenue and customer trust while strengthening compliance. Schedule a consultation to get started.