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Integration partner
Akurateco
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Fraudio is already wired into the Akurateco platform. Every customer running on your gateway can switch on Gen-3, AI-native fraud and AML protection without an integration project — live in days, not months, on a single centralised AI trained across 2M+ merchants and 500M+ cards.
Fraudio is one of the fraud and AML providers wired directly into Akurateco's gateway. For any PSP, merchant or bank on your platform, turning Fraudio on is a configuration — not an engineering programme. Your customer keeps their gateway, their acquirer, their tech stack; they add best-in-class fraud and AML on top.
The connector exists. Your customer doesn't write a single line of code to start scoring transactions.
Activation in days for customers already on Akurateco — vs. the 3-6 months a fraud vendor swap usually demands.
Real-time decisioning on the authorisation flow, with no extra latency on the Akurateco stack.
No setup fee, no minimum, no rip-and-replace. Customers pay only for what they score.
A guided walkthrough of the Fraudio platform — the same platform your customers on Akurateco get access to. Real-time scoring, case management, rule builder, model outputs and everything a fraud or AML analyst uses day-to-day.
Every fraud vendor your customers have looked at fits into one of three buckets. The generation matters more than the brand.
Human-written if/then logic. Cheap to start, expensive to maintain, blind to what it wasn't written for.
Machine-learning models trained on a single institution's data. Better than rules, capped by the data of one shop.
One AI brain, trained on the aggregated behaviour of every merchant and card on the network — every new customer strengthens the model for everyone.
Best-in-class AI catches what static rules can't. A curated, transparent rule library covers the scheme obligations (VAMP, SMMP), the local regulatory requirements, and the operator's own risk appetite — layered on top of the AI, not instead of it. This is the acquiring-specific walkthrough of how the two work together inside Fraudio.
PSPs and merchants on Akurateco are scaling fast — into new geographies, new payment methods, new merchant types. Their fraud and AML stack rarely keeps up.
Mule networks, first-party fraud and merchant laundering mutate faster than any internal rules team can write. Detection slips while cost climbs.
Regulators want explainable decisions, model governance and evidence packs — not a black box. Most legacy tools cannot produce them.
Procuring, integrating and tuning a new fraud vendor traditionally kills a quarter or two. The fraudsters don't wait.
The scheme monitoring programmes are getting stricter every year. One bad quarter costs real money and real reputation.
Alert volume climbs, analyst headcount doesn't. Something has to prioritise, explain and dispose of alerts intelligently or the queue never clears.
Every new fraud vendor means integration, procurement, security review, tuning. On Akurateco with Fraudio, none of that is on the critical path.
All of it live behind the Akurateco connector. Turn on what a specific customer needs, add the rest later. No re-integration.
Real-time transaction scoring on card-present and card-not-present flows. Catches CNP, account-takeover, first-party, friendly-fraud and testing attacks.
Monitors merchants on the platform for fraud, laundering, testing-account behaviour and transaction-laundering patterns. Critical for acquirers and PSPs.
Real-time AML transaction monitoring with a curated regulatory rule library plus AI models for the typologies rules never catch alone.
Push-payment scam detection on instant-payment rails — SEPA Instant, Faster Payments, PIX, PayShap and equivalents. Increasingly regulator-mandated.
Identifies mule accounts, mule networks and the on-boarding red flags mule recruiters exploit. Live on issuers and PSPs across multiple continents.
The AI model does not replace rules — it lives alongside a curated, versioned rule library. Scheme rules, local regulatory rules and the customer's own rules, all in one place.
Fraudio's AI is built on a centralised, homogeneous data set combining issuing, acquiring and account-to-account transactions across every customer on the network — segmented by MCC, geography, channel and merchant category.
Supervised models catch known fraud typologies with the labels the network has already learned. Unsupervised models detect novel anomalies without any prior labels — critical for the fraud patterns none of us has seen yet. Every decision ships with reason codes and feature attribution: not a black box, defensible in front of any regulator, any auditor, any customer investigation team.
Model governance is baked in. Every model version is stamped on every decision. Every rule change is versioned. Every operator action is auditable. Regulators can be given their own read-only users into the same environment.
Traditional fraud vendors train a model per customer. Every new customer starts cold, every model is capped by one shop's data, every fraud pattern has to be seen inside that shop before it can be caught.
Fraudio flipped this. One centralised AI, trained on the pooled behaviour of every merchant and every card on the network — without exposing individual customer data. Every new customer on Akurateco who turns Fraudio on strengthens the model for every other customer on the network. Patent-pending, and unique in the market.
For Akurateco specifically, this means every PSP or merchant that comes into the Fraudio ecosystem through the Akurateco connector makes the protection stronger for the ones already there.
Every new customer that joins the network improves the model for every other customer — without ever sharing raw data across accounts.
Viva Wallet is a European payment institution and acquirer that deployed Fraudio to score card fraud in real time and monitor merchants for fraud and money laundering. The book scaled past half a million merchants without scaling the fraud team — the operational shape any Akurateco customer growing quickly needs.
“Fraudio enables us to detect fraudulent merchants and money laundering, ensuring the safety of our clients against fraud in payments. This has been extremely helpful to our growth by providing us the ability to focus our efforts in a much more accurate manner.”
— Makis Antypas, CIO, Viva Wallet
30-minute intro with your customer, joint call with Akurateco & Fraudio.
Customer flag flipped on the Akurateco side; Fraudio account provisioned.
Live scoring in observe-only. Customer sees decisions, tunes rules, no impact on production.
Decisions actioned in real time. Analyst team on the platform. Customer paying per scored transaction.
Full API reference, integration guide, data schema, webhook specs.
How the AI is trained, alerts explained, model governance in depth.
Centralised AI, network effect and customer results in one page.
Grab a slot to walk through your specific customer or opportunity.
Bring a specific opportunity, a specific pain, or a specific customer question. 30 minutes with the person who can answer it, joint with the Akurateco team if useful.
Book the meeting