You process ~350K transactions a month through Norbr and run fraud in-house at under 1%. The gap is the retry-velocity guardrail Visa and Mastercard now expect: blocking cards for 24 hours after a set number of failed attempts. Fraudio plugs into Norbr to add exactly that — at a velocity-only price — with the broader fraud, AML and VAMP suite ready whenever the ratios warrant it.
Harlem Next runs around 350K monthly transactions through Norbr (with an additional ~50% via Pay.nl), in the flirt chat dating vertical, with fraud held in-house at under 1%. The position is strong. The gap Marcel flagged is the retry-velocity control Visa and Mastercard now require: when a card fails for insufficient funds or 3-D Secure decline, the scheme expectation is to back off — not to keep retrying. Without an automated block, every excessive retry is a compliance risk and a slow drift toward an unfavourable VAMP ratio.
Fraudio's rule editor is built specifically to handle scheme-compliance velocity logic without writing code. Set the failure trigger, the window, the threshold, the block duration — and the rule is live. Test it in shadow pipeline first so you see exactly which transactions it would have blocked on yesterday's traffic, before any merchant impact.
Our LLM rule builder takes that one step further — describe the rule in plain English, and the editor generates the live rule for you.
The standard Fraudio rate is €0.015 per transaction. For Harlem Next, with scope strictly limited to the velocity tool, we'll offer €0.01 per transaction — covering integration, setup and maintenance, with a credit system for months that fall under the threshold. Full fraud, AML and VAMP suite available whenever you're ready to expand.
You don't change your stack to add Fraudio. Norbr is the orchestrator, Fraudio is the velocity and risk engine called inline. Automated API integration so the data flow that feeds your decisioning also feeds Fraudio's ML models — no manual uploads, no admin work for Marcel or Claudia.
Checkout & merchant flows
Payment orchestration
Velocity & risk decisioning
Implementation timeline: 2–3 weeks end-to-end once Norbr confirms the technical path on Monday's call. Automated API, no manual uploads, ML models fed continuously so the platform learns from Harlem Next's traffic.
Visa Account Monitoring Program (VAMP) ratios don't forgive you for refunding. Every fraudulent or disputed transaction still counts, and once you cross thresholds the scheme starts intervening on terms you don't choose. The same Fraudio platform that runs the velocity rule continuously tracks your VAMP exposure — so Marcel and Claudia can act proactively, not reactively.
You get the early warning before a merchant or sub-flow trends into Standard or Excessive territory, with the underlying drivers surfaced so you know exactly what to fix.
You start with velocity. The day Harlem Next decides to put more of the risk lifecycle on Fraudio, none of the integration work has to be repeated. Same API, same console, same rule editor — additional capabilities just light up.
Real-time pre-auth scoring across CP & CNP. Supervised AI for known fraud, unsupervised AI for novel patterns. Sub-100ms decisions.
Structuring, layering, mule activity. Full case management with comments, escalation, exports and audit trail.
Identify the 60-70% of transactions safe enough to skip 3DS, lift conversion without trading fraud posture.
You don't collect extensive customer data, and you don't need to. Fraudio operates as a consortium platform that benefits from aggregated behaviour across thousands of merchants — designed to score effectively on the data you do have.
Fraudio sits inline behind Norbr — no changes to your checkout or merchant flows. Automated API feed, ML models fed in real time, 2–3 week implementation.
The curated rule library already includes Visa and Mastercard compliance sets. VAMP monitoring runs from day one. The velocity rule is one of dozens you can flip on without engineering involvement.
Every rule and AI alert ships with clear reasoning. Test new rules in shadow mode against yesterday's traffic before flipping live — so you see exactly what would change before anything does.
