You promise SMBs maximum approvals and minimum fraud, with cross-border European acquiring under Cypriot principal Visa and Mastercard membership. Fraudio is the centralised AI engine behind that promise — plugging in through your existing processor stack (Silverflow, Ginger, Coriander, or all of the above) with zero integration cost.
Griner's pitch to SMBs is sharp: get processing in hours, maximise approvals, minimise fraud, and talk to a human who knows your account. As a principal Visa and Mastercard member supervised by the Central Bank of Cyprus, you carry the full liability for every merchant on the book — bust-out risk, transaction laundering, chargeback storms, AML failings and VAMP / SMMP exposure. The boutique speed and the big-league liability have to be served by the same risk engine. That engine is what Fraudio brings.
Fraudio runs on a single centralised AI brain trained on billions of transactions across acquiring, issuing and account-to-account data — segmented by Merchant Category Code, location and channel. Every new participant strengthens detection for the rest. A network effect no siloed, single-customer model can match.
For Griner that means accurate fraud scores from day one — your SMB book benefits from the network effect immediately, no cold-start period while your own data accumulates.
Pre-authorisation scoring in under 100ms. Every transaction scored 0–1 with approve, step-up or decline outcomes. Supervised AI catches known fraud, unsupervised AI catches novel patterns. Up to 30x better than single-dataset models.
Identify the 60-70% of transactions that are safe and route them around 3DS entirely. Apply 3DS only where the risk score warrants it. Higher conversion, lower friction, the same fraud posture — measured per merchant, per MCC, per channel.
Deep visibility into every SMB on Griner's book: authorisation rates, decline rates, chargeback ratios, behavioural anomalies. Catches collusive merchants, transaction laundering and bust-out risk early — protecting Griner's financial liability as the licence holder.
Continuous tracking of Visa's combined fraud and dispute ratios and Mastercard's merchant monitoring thresholds — at merchant, sub-portfolio and BIN level. Early warning before a merchant pushes Griner into Standard or Excessive territory.
Transaction monitoring for structuring, layering, rapid movement and mule activity. AI anomalies combined with rule-based alerts (KYB, KYC, PEP, sanctions). Full SAR/STR-ready output for the Central Bank of Cyprus and AMLD6-aligned retention.
Thousands of enriched data features in a no-code editor. Shadow-mode every rule before production. The LLM rule builder lets Griner's risk team write rules in natural language and turn them live in seconds — no engineering bottleneck.
Open cases on alerts, add comments, escalate, attach evidence, export. Full audit trail of rule changes, AI decisions, case actions and snoozes — ready for internal review, the Central Bank of Cyprus and scheme requests.
Real-time visibility into successful and failed transactions, customisable KPIs, currencies and time zones. Sub-tenant architecture if Griner wants to resell monitoring services to large merchants on the book.
Fraudio is API-first SaaS with no integration cost and no setup fee. We're already live with the leading next-generation card processors — so connecting Griner is a matter of turning on the existing Fraudio path in your processor of choice. No rip-and-replace. No long engineering programme.
Native Fraudio integration. Pre-auth scoring, post-auth enrichment and merchant monitoring on Silverflow's modern card processing rails.
Connect via Ginger and run the full Fraudio fraud, AML and merchant monitoring stack on the traffic Ginger acquires for Griner.
Coriander integration available — Fraudio plugs in alongside Coriander to deliver the same real-time scoring and monitoring.
Or all of the above: if Griner runs traffic across more than one of these processors, Fraudio sits across them in a single tenant — one risk console, one rule library, one AI brain, regardless of where the transaction was routed.
Mastercard's new merchant monitoring regulation kicks in this July. It changes what acquirers are expected to track and prove. Fraudio is launching a dedicated merchant performance page specifically for the new Mastercard ratios — so Griner stays aligned to it rather than retrofitting after a scheme inquiry.
Authorisation rates, decline rates, chargeback rates and refund ratios per merchant, per MCC, per channel — surfaced for action before they become a scheme problem.
Because every customer feeds the same centralised AI, Griner's SMB book gets accurate scores from the first transaction — no cold-start period, no waiting for your own data to season.
Plug & play SaaS, accessed via API, no setup costs. Already live with Silverflow, Ginger and Coriander — Griner does not change the rails, you turn on the existing Fraudio path.
ISO 27001, GDPR, EU data residency on GCP Amsterdam. The shape the Central Bank of Cyprus, Visa and Mastercard already expect — and our ING-acquirer heritage means we speak the regulator's language.
Every AI alert ships with clear reasoning — the features and behaviours that triggered it. The standard schemes and regulators increasingly expect from any AI-driven fraud or AML decision.
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. Closest reference for what Griner can expect as the SMB book grows: stronger detection, a far more efficient risk team, growth without proportional headcount.
“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.”
