Secure growth requires clear sight across every payment flow. At Dolabyte, our transaction monitoring service gives you that visibility—detecting anomalies, prioritising risk and orchestrating decisive action in real time and at scale. Built for fintechs, payment processors, marketplaces and enterprise merchants, it delivers the precision and resilience today’s digital commerce demands.
Our services and algorithms monitor authorisations, clears and settles across cards, A2A (including Open Banking), wallets, BNPL, instant payments and bank transfers. We augment transactional data with device intelligence, behavioural telemetry, KYC/KYB attributes, sanctions and PEP screenings, chargeback histories, consortium inputs and your internal risk signals. The result is a consolidated risk picture that travels with each payment, from intent to settlement.
High-throughput connectors and streaming pipelines normalise disparate formats from gateways, cores, ledger systems and third-party tools. We support real-time feeds and batch files with deterministic reconciliation of duplicates and late arrivals.
We build dynamic features such as velocity, value dispersion, merchant history, device consistency, session entropy, beneficiary graph proximity and geospatial deviation. Features are computed on the fly and persisted for longitudinal analysis.
A layered approach combines rules, supervised models, unsupervised anomaly detection and network analytics. Rules capture policy and regulatory requirements; machine learning models generalise patterns; graph techniques surface collusive activity and mule networks; anomaly scores flag novel behaviours.
Each event receives a composite score with human-readable rationales, referencing contributing features, rule hits and network signals. This supports adverse action documentation and strengthens compliance.
Based on score and policy, we route to outcomes—approve, step-up authentication, hold for review, decline, or trigger AML investigation. Playbooks control SLAs, queues and escalation paths, integrating with case management and customer comms.
Analyst decisions, chargebacks, confirmed fraud and SAR outcomes feed continuous model calibration. A/B frameworks allow safe testing of strategies with guardrails on customer impact.
Dashboards track hit rates, false positive ratios, time-to-decision, loss rates and operational workload. Audit trails capture every change to rules, models and thresholds with versioning and approvals.
We begin with a diagnostic that maps your payment journeys, risk appetite, regulatory obligations and current control landscape. From there we:
We connect to gateways, issuers, processors, data providers and internal systems via REST and streaming APIs. Webhooks support event-driven orchestration; SDKs accelerate integration. For organisations with existing tooling, we complement rather than replace—ingesting alerts, enriching them and returning decisions or additional context.
Threats evolve. Our service includes ongoing model monitoring, drift detection, periodic recalibration and rule hygiene. We publish regular performance reports with agreed KPIs and co-sponsor roadmap items to address emerging typologies and regulatory change.
We measure success in outcomes that matter to you: fraud capture lift, false positive reduction, time-to-decision, chargeback rate, investigation throughput and net revenue preserved. Targets are set, tracked transparently and reviewed jointly.
Speak to our team to explore how our transaction monitoring service can strengthen your controls and deliver measurable results. Schedule a consultation to get started.