Netopia processes over 3M CNP transactions a month across a payment institution and gateway serving Romania's online merchants. As agreed, we've split the evaluation into two clean tracks so Cezar's compliance team and Razvan's technical team can each work through what matters to them — compliance below, technical further down.
Netopia operates as a payment institution and gateway focused strictly on online, card-not-present merchant traffic — over three million transactions a month, all in the same risk bucket. The fraud shape is uniformly CNP: friendly fraud, dispute abuse, refund manipulation, transaction laundering, bust-out merchants. Cezar's team is evaluating a monitoring platform that matches that shape without dragging in features designed for card-present or non-payment-institution use cases. Fraudio is built exactly around it.
Per the meeting, the evaluation splits into a compliance track and a technical track. Both live on this page.
Payment Fraud Detection (PFD), Merchant-Initiated Fraud (MIF), AML, KYC/KYB and PEPs/sanctions — everything the compliance team needs.
50ms pre-auth API, event and entity rails, context stores, shadow mode, webhooks and historical-data tuning — everything Razvan and engineering need.
Three products cover Netopia's compliance and fraud surface: Payment Fraud Detection for real-time transactional risk, Merchant-Initiated Fraud for the merchant-side liability every PSP carries, and the AML + KYC/KYB/PEPs/sanctions stack for regulatory obligations.
Real-time pre-authorisation scoring on every CNP transaction Netopia's gateway routes. Sub-100ms decisioning powered by the centralised AI that scores billions of transactions across the consortium.
Entity-level monitoring of every merchant on Netopia's book — the layer that catches transaction laundering, bust-out fraud and refund abuse. Core competence in entity analysis.
Full compliance stack — transaction monitoring for AML, plus KYC, KYB, PEPs and sanctions screening. Case management ready for Romanian regulator inquiries and cross-border reviews.
The 50ms pre-auth budget, the event and entity rails, the context store, and the historical-data tuning path — mapped to how the platform actually behaves in production.
Pre-auth API at 50ms. Fraudio scores every transaction pre-authorisation with an average response time of 50ms — well inside the SLA Netopia's gateway commits to its merchants.
Two-rail architecture. Event-driven rail scores single transactions in real time. Entity-driven rail monitors merchants, cards, accounts and IPs over sequences. Both feed the same alert queue.
Real-time context store. Raw transaction fields get enriched with thousands of aggregate and interaction features in real time — historical averages, velocity signals, peer-group deltas, session patterns.
Historical-data tuning. Six months of Netopia's historical data lets us baseline the models and improve current rule sets during the tuning phase — no cold-start, models sharp on Netopia's traffic from go-live.
Validate new rules against live traffic without impacting production outcomes. Champion-challenger pattern for rule optimisation, zero-risk deployment.
Trigger downstream actions from Fraudio decisions — block transactions, hold settlements, notify systems. Configurable per rule or per outcome type.
Analysts filter transaction history by email, phone, IP, card details or any field the API provides. Full drill-down on any entity in the platform.
Screening rules (event-driven) and monitoring rules (entity-driven). LLM-generated rules from natural language. Audit function catches logic errors before production.
Link transactions to cases, add evidence, escalate. Full audit trail for every action — feeds ML training on resolution outcomes.
Native multi-tenancy — tenant-level data isolation, role-based access, group roll-ups. Ready for however Netopia wants to structure the merchant book.
Walkthrough of the platform Cezar's team saw on the call — dashboards, rule editor, shadow mode, case management and the operational surface end to end.
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. It scaled the merchant book past half a million without scaling the fraud team — the operational shape Netopia needs as the online-merchant book grows.
“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.”
Full API reference, integration guide, data schema, webhook specs.
How the AI is trained, alerts explained, model governance.
Centralised AI, network effect and customer results in one page.
Grab a slot for either evaluation track.
Grab a slot for either track. The compliance session and the technical session run independently — bring the teams that fit each one.
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