Fraudio’s patented centralised AI connects across issuers, acquirers, banks, wallets, and processors — delivering fraud detection and AML accuracy that no single institution can achieve alone. One integration. Immediate protection. For every customer on your platform.
Every competitor trains its models on a single customer’s siloed data. Fraudio’s patented technology centralises transaction data across issuers, acquirers, banks, wallets, and processors into one AI — delivering detection accuracy that no individual institution can reach alone.
Pre-trained on billions of transactions across all connected flows. Immediate accuracy from the very first payment — no ramp-up period.
Fraud patterns spanning issuing, acquiring, banking, and digital payments simultaneously — patterns competitors are structurally blind to.
Regulations prevent institutions from combining their own data across flows. Fraudio is the trusted neutral infrastructure that makes it possible.
From real-time card fraud scoring to merchant monitoring, AML, P2P, and core banking protections — all on a single integration with one data layer and one operations team.
Real-time transaction scoring at authorisation. Supervised AI identifies known fraud; unsupervised AI catches emerging threats. Returns a 0–1 risk score in milliseconds — green (approve), yellow (dynamic 3DS), red (block).
Continuous AI monitoring of merchant portfolios — twice daily. Detects fraudulent merchants, bust-out fraud, and transaction laundering before settlement. Explainable, severity-based pre-settlement alerts.
AI-driven AML combining custom rules, link analysis, and behavioural modelling across all payment flows. Built-in case management, SAR-ready exports, sanctions and PEP integration.
Dual-rail assessment combining real-time event scoring with long-term account profiling. Detects APP fraud, mule networks, and ATO across SEPA Instant, Wero, Pix, and other real-time rails.
No-code LLM-powered rules editor, full case management with SLA workflows, SAR-ready exports, and complete audit trails. Independently configurable per tenant, with immutable audit logs for regulators.
Fraudio serves the full stack of payments — from the banks that issue cards to the processors that move money, the acquirers that settle merchants, and the schemes that connect them all.
Retail and commercial banks need fraud and AML coverage across deposits, transfers, credit, and card flows. Fraudio monitors the full account lifecycle — from first transaction to entity-level risk — meeting FSA, EBA, PSD2, and GDPR requirements natively.
Real-time card fraud scoring at authorisation for consumer and commercial card programmes. PFD protects against CNP fraud, BIN attacks, card testing, and ATO — with dynamic 3DS challenge logic and a self-serve rules engine for fraud teams.
Continuous monitoring of merchant portfolios for bust-out fraud, transaction laundering, and chargeback manipulation. Fraudio’s MIF product identifies fraudulent merchants weeks before chargebacks arrive — protecting acquirer scheme relationships and settlement flows.
One Fraudio integration serves every client on a processor’s platform. Multi-tenancy means each bank or fintech gets its own isolated fraud environment. The processor sets baseline rules; clients self-manage within them. New clients go live in hours via API.
Fintechs and digital wallet operators handling P2P transfers, instant payments, and multi-currency flows need monitoring that keeps pace with their transaction velocity. Fraudio’s P2P monitoring and AML cover the full transfer lifecycle — including mule detection and APP fraud.
Schemes and infrastructure providers use Fraudio to give members a ready-made compliance layer — removing the regulatory lift that blocks smaller banks and fintechs from adopting new payment rails. One scheme-level integration, every member served.
Fraudio is live across six regions, serving leading processors, banks, and payment businesses that chose network-effect AI over siloed models.
A scaling European processor and acquirer that deployed Fraudio’s MIF and AML to monitor its merchant portfolio. The same team now handles 7x the transaction volume with 600% improved efficiency and 3 weeks earlier fraud detection.
Pismo — a Visa company — is one of the world’s leading cloud-native issuer processors, serving tier-1 banks, neobanks, and fintechs globally. Fraudio is integrated into Pismo’s platform as a channel partner, giving every Pismo client immediate access to network-effect fraud intelligence.
A leading Southeast Asian fintech platform providing card issuing infrastructure to businesses across Singapore and Indonesia. Fraudio operates as a channel partner within Fazz’s platform, delivering fraud detection and AML monitoring locally within both markets.
A leading processor operating across India and Asia-Pacific handling both card issuing and acquiring. Fraudio’s local deployment in India is fully RBI-compliant, powering fraud detection and AML across both rails of YSP’s processing network.
A next-generation cloud-native acquirer processor operating globally, built to modernise payment acquiring infrastructure. Fraudio is connected into Silverflow’s acquiring layer, delivering real-time merchant fraud detection and transaction risk scoring across their global client base.
Uses Fraudio specifically to monitor Wero wallet transactions for compliance and fraud detection — a live example of Fraudio’s cross-universe monitoring applied to A2A instant payment rails. Real-time detection across the full Wero transfer flow.
“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
Read full case study →Fraudio works through a channel partner model with processors, schemes, and platforms. The partner integrates once. Every eligible client on their platform gets immediate access to Fraudio’s fraud intelligence — no per-client integration, no separate contract.
How the channel model works
A single API connection at platform level. Technical infrastructure in place — no per-client integration needed.
Each client gets their own isolated environment, their own rules, and their own investigation queue — via API, in hours.
Baseline fraud and AML rules inherited automatically by all clients. Protects scheme licences. Clients self-manage within those bounds.
One console, every client. Immutable audit trail across all. Instant governance — suspend or offboard any client immediately.
Pricing
Pay per transaction. No setup fees, no implementation charges, no per-rule licensing. Cost decreases with volume. Differentiated pricing for A2A and SEPA rails — lower per-transaction cost reflecting different margin structures.
Processors like Pismo, Yalanchili, and Silverflow use Fraudio to serve their bank and fintech clients. One integration gives every client on the platform immediate fraud protection — with the processor as the parent tenant in full control.
Schemes and infrastructure providers use Fraudio to remove the compliance barrier for smaller members adopting new rails. EPI/Wero is a live example: the scheme integrates once, and every eligible member bank or fintech gets a ready-made compliance layer.
Some partners choose to offer Fraudio as a value-added capability to their clients — white-labelled or co-branded — creating a recurring revenue stream on top of processing or scheme fees.
Integration is not the blocker. The API is well-documented, proven, and live with partners across six regions. The primary discussion is commercial and go-to-market — not technical.
Not incremental improvements on legacy platforms. A fundamentally different architecture — the patented centralised AI that makes network-effect fraud detection possible.
Competitors train only on one client’s data. Fraudio’s patented technology learns from billions of transactions across all connected flows — accuracy that compounds with every new client added.
Enterprise incumbents require months of IT work and multi-year contracts. Fraudio connects via API, webhook, or batch — adapting to existing infrastructure. Real ROI from day one.
No setup fees, implementation charges, or per-rule licensing. Cost decreases with volume. Total cost of ownership advantage over enterprise platforms is substantial at scale.
Fraudio ships new features weekly. Most competitors update every 6–9 months. When new fraud patterns emerge, your customers get protection in hours — not the next quarterly release.
Multi-tenancy means every client gets their own isolated environment with full configuration control. You retain governance. They self-manage. Everyone stays in their lane.
Fraudio is live in India, Indonesia, KSA, UAE, Europe, and LATAM — meeting data residency requirements in every major regulated territory. Same AI, same network intelligence, full sovereignty.
Fraudio operates local deployments in every major territory with strict data sovereignty requirements. Same centralised AI, same network intelligence — fully compliant with local regulations in each market.
GDPR-compliant EU deployment. Cashflows, Silverflow, Viva Wallet, Bancontact, Gnosis. PSD2 / EBA aligned.
RBI-compliant local deployment. Silverflow, YSP, Pismo. DPDP Act and RBI data localisation requirements met.
Bank Indonesia and OJK compliant. FAZZ, YSP, Pismo. Regional deployment covering SEA data requirements.
SAMA-aligned deployment. Interpay, PayTabs, Enza. All data processed within the Kingdom.
CBUAE-compliant deployment. DIFC and ADGM regulatory frameworks covered. PayTabs, YSP, Pismo.
Brazil, Mexico, Colombia, and wider LATAM. PMI, Tilopay. Supports Pix, SPEI, and regional instant payment rails.
Data residency deployable in days. For any partner or client operating in a regulated territory, Fraudio can provide a fully contained local deployment — same centralised AI, same network intelligence, complete data sovereignty guaranteed.
Platform overview — how the patented centralised AI works and why the network effect delivers results no siloed model can match.
↓ DownloadReal-time scoring, dynamic 3DS, rules engine, and network-effect AI for card issuers and acquirers.
↓ DownloadMerchant Initiated Fraud — pre-settlement merchant monitoring, explainable alerts, and portfolio-wide AI for acquirers.
↓ DownloadAML capabilities — link analysis, behavioural modelling, case management, and SAR-ready exports.
↓ DownloadP2P and instant payment fraud monitoring — APP fraud, mule detection, and dual-rail assessment.
↓ DownloadFull technical integration docs — REST APIs, webhooks, and SDKs. One integration for every product.
docs.fraudio.com →A proof-of-results test using your historical transaction data. Zero operational commitment. No disruption to current systems.