Fraudio gives Hecto Financial real-time merchant and transaction monitoring powered by a single AI brain trained on billions of transactions — so your PayFac portfolio stays protected across PG, VAN, cross-border, stablecoin and STO rails.
As a merchant of record and PayFac onboarding merchants under multiple acquirers across Korea and Japan — and now expanding into Europe — every bust-out merchant, every laundered transaction and every suspicious cross-border payout lands on Hecto Financial's balance sheet. With real-time bank transfers, virtual accounts, STO rails and 24/7 stablecoin flows now moving through your infrastructure, legacy rules engines and siloed, single-dataset models simply cannot see the patterns fast enough.
Fraudio unifies financial signals across platforms and channels into one intelligent, centralised view. Every new customer strengthens the model for everyone — a patent-pending network effect no in-house or single-client model can match. For a PayFac concentrated in one region like Hecto, that shared intelligence is uniquely powerful: our centralised data set spots merchant and transaction patterns across acquirers, geographies and rails that a single book simply cannot see.
Purpose-built for PayFacs and acquirers. Real-time anomaly detection and in-depth merchant reports flag bust-out merchants, transaction laundering and collusion before settlement — the exposure that sits directly on Hecto's books as merchant of record.
Plug into our API and instantly tap supervised and unsupervised ML models honed on billions of networked transactions. Every transaction scored in milliseconds with a traffic-light outcome, and thresholds tailored to Hecto's exact risk appetite.
Self-learning AI anomaly detection built for high-velocity, cross-border flows. Link analysis and network discovery connect merchant activity with funding patterns — exactly what's needed as Hecto scales 24/7 B2B payouts on the Circle Payments Network.
Create and manage multiple MIDs, clients, sub-acquirers and brands — each with their own custom risk profile and shared AI intelligence. One platform covers your acquirer relationships in Korea, Japan and your EU expansion.
With ~70% share of Korean account-based cash payments, your book alone is a goldmine of signal. Fed into Fraudio's centralised brain — already trained on 500,000+ merchants and billions of transactions — detection sharpens for you and every customer.
Fraudio delivers up to 30x better performance than single-dataset models, 15x better than leading card-scheme solutions, and 40% better than the top 3 fraud detection vendors — because more data, centrally pooled, simply wins.
Plug into the API and get real-time scores from day one. Pay-per-use pricing based on API calls. No setup, integration or maintenance fees, no hidden costs — a fit for a fintech that owns its own infrastructure.
Go beyond transaction scoring. Fraudio monitors merchants, accounts, devices, cards, IPs and more — so card, real-time bank transfer, virtual account, remittance, stablecoin and STO flows are all protected from one layer.
Viva Wallet — the European PayFac with the business profile closest to Hecto's own — deployed Fraudio's Merchant-Initiated Fraud Detection to protect a rapidly scaling merchant book. The outcomes map directly to what Hecto needs as it grows beyond Korea and Japan into Europe.
“Every alert from Fraudio is crucial. Their precision ensures early fraud detection, significantly impacting our bottom line.”
Let's show your team how a centralised, network-effect AI protects Hecto's merchant book across Korea, Japan and your EU expansion — plug & play, pay-per-use, fraud scores from day one.
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