You're principal members of Visa and Mastercard, integrated with Silverflow and Hypergate, and moving from SEPA, Swift and FX into card acquiring. Fraudio plugs in alongside that stack and gives Alex, Greta and Tadas a single platform for real-time fraud scoring, merchant monitoring and AML — live from your first transaction.
Guropay is entering card acquiring as a principal Visa and Mastercard member, with Silverflow as processor and Hypergate already integrated as your gateway. The card rails introduce risks your SEPA and Swift business never had to handle at the same scale: real-time card fraud, merchant-initiated fraud, chargebacks and DC40/DC15 dispute files, and a sharper regulatory expectation that transaction monitoring goes beyond rules. Greta's team needs auditable oversight. Tadas needs a platform that won't take quarters to integrate. Alex needs a fraud and AML stack that's ready for the first merchant you onboard — not one you bolt on after the first incident.
Fraudio runs on a single centralised AI brain trained on data from over 2 million merchants monthly across the global payments ecosystem. Every institution connected strengthens detection for all — a patent-pending network effect no siloed system can match. For Guropay that means accurate fraud and AML scores from your very first card transaction, with a no-code rule editor sitting alongside the AI so Greta's team can act in seconds, not sprints.
Real-time pre-authorisation scoring in under 100ms, plus post-authorisation enrichment. Every transaction scored 0–1 with approve, step-up or decline outcomes — supervised AI catches known fraud, unsupervised AI catches novel patterns, all controllable through the no-code rules engine.
Deep visibility into every merchant on your book: authorisation rates, decline rates, chargeback ratios, behavioural anomalies. Catches collusive merchants, transaction laundering and bust-out risk early — exactly the exposure a new acquirer needs to manage from day one.
Transaction monitoring for structuring, layering, rapid movement and mule activity across your acquiring and account flows. Combines AI anomalies with rule-based alerts — and gives clear reasoning rather than a black box, the kind of evidence regulators expect of an acquirer.
Thousands of enriched data features available to Greta and Tadas in a no-code editor. Test every rule in shadow mode before it touches production, with priority logic that stops checking once a higher-priority rule fires — and an LLM-driven natural-language rule builder launching next week.
Because every customer feeds the same centralised AI, Guropay's models are already trained when you go live — no cold-start period, no waiting for your own data to season. Scores are accurate from the first card transaction Silverflow routes through.
Plug & play SaaS, accessed via API, with no integration or setup costs. Fits alongside Silverflow as processor and Hypergate as gateway — Guropay doesn't chane the rails you've already built, you add a fraud and AML brain on top.
Every AI alert comes with clear reasoning. Combined with full case management, comments, escalation and data export, it's the auditable oversight Greta's transaction-monitoring and compliance function needs to defend decisions to regulators.
Test new rules safely in shadow mode before production. Start from a curated library aligned to scheme and regulatory requirements, and lean on our team — we're actively involved in implementation, which is why we currently see zero churn.
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. They are the closest analogue to where Guropay is heading: a Visa and Mastercard principal, expanding fast, needing fraud and AML to scale without proportional headcount. Here is what they achieved.
“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.”
Next steps: we'll send the AML and AI documentation, the platform deck, and the questionnaire we need to scope an initial price quote for Alex, Greta and Tadas. When that's back, we'll come back with pricing and a path to a proof of concept.
Get in Touch