The fraud layer built for orchestrators. Your gateway. Your merchants. Your downstream partners. Or all three.
Payment orchestrators sit at the centre of the payments stack, routing transactions across acquirers, PSPs, and processors. One integration with Fraudio and you can protect your own transaction flow, extend fraud tooling to every merchant on your platform as a value-add, or partner with PSPs, payfacs, and acquirers who use your gateway — turning fraud intelligence from a cost centre into a line of differentiation and revenue.
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Use it on your own gateway traffic. Offer it to your merchants as a value-add. Or partner as a channel to serve PSPs, payfacs, and acquirers on your platform. The same detection core and the same integration power all three paths.
Real-time authorisation scoring, AML, and fraud detection across every transaction you orchestrate. Replaces or complements in-house or legacy fraud tooling, and gives you a single view of risk across every acquirer route, every payment method, and every geography.
Lower fraud losses, fewer scheme fines, and better fraud tooling than the in-house or vendor stack it replaces. Because Fraudio sees traffic across your full routing table, detection is sharper than any single-acquirer model.
Each merchant that opts in is spun up as its own tenant under your orchestrator account. Their team works in an isolated workspace with their own rules and investigation queue. You keep central oversight and take the fraud layer to market as part of your platform proposition.
Premium pricing on merchants who take the fraud product. Fraud tooling becomes a revenue line and a retention lever, not a cost line, and it differentiates your platform against commodity orchestrators.
Offer Fraudio as embedded fraud intelligence to every PSP, payfac, or acquirer that routes through your gateway. Each partner gets their own tenant and can extend coverage to their own merchant portfolio underneath. You become the fraud distribution layer for your entire ecosystem.
Revenue share on every partner that adopts. The orchestrator earns on fraud tooling without building it, and downstream partners get enterprise-grade detection without a separate integration. Fraud becomes a platform revenue line that scales with transaction volume.
Most of the economic leverage happens here. You run Fraudio on your own gateway traffic, offer it as a premium capability to merchants who want their own fraud environment, and distribute it as embedded intelligence to PSPs, payfacs, and acquirers on your platform. One contract, one integration, three value streams.
Savings on your own traffic + premium revenue on opted-in merchants + channel revenue from downstream partners. Fraud monitoring stops being a cost centre and turns accretive to the orchestrator P&L.
Orchestrator fraud is a routing story, and transactions are how it plays out. Card fraud, transaction laundering, chargeback abuse, and AML violations all flow through the orchestrator's gateway before reaching the acquirer. Fraudio gives you a holistic view of every transaction across every route — cross-acquirer patterns, merchant-level signals, and the full transaction stream — so the same platform covers the exposures that matter to your downstream partners and the ones that matter to you.
Transactions routed through multiple acquirers are correlated in real time. Fraud patterns that are invisible within a single acquirer's view surface immediately when seen across the orchestrator's full routing table.
Shell-merchant rerouting, miscoded MCCs, and aggregator abuse are detected from volume, pattern, and counterparty signals across the orchestrator's entire merchant base, not from a single acquirer's partial view.
Early warning on merchants heading toward VAMP / VDMP / EDMP thresholds, before scheme fines from the acquirer and sponsor-bank exposure crystallise. The orchestrator sees the aggregate view first.
Every auth scored in milliseconds with rules configurable per merchant, per MCC, per channel, per acquirer route — without compromising approval rates.
Where orchestrators are exposed today
Orchestrators route transactions across multiple acquirers and geographies, often for merchants with thin histories. The acquirers and schemes hold you accountable for the traffic you send them. Losses, laundering, and chargeback abuse surface at the merchant level but the orchestrator wears the consequence when thresholds are breached downstream.
A merchant splitting volume across three acquirers may stay below each acquirer's threshold while exceeding scheme limits in aggregate. The orchestrator is the only entity that sees the full picture.
Every merchant gets an entity-level risk score based on transaction behaviour, peer-group analysis, and network-wide intelligence — not just at onboarding, but continuously.
CNP cardholder fraud and merchant-side fraud run through independent models and separate alert streams, so each risk type gets the right treatment.
Centralised AI vs siloed models. The gap widens with every merchant and every route.
Most fraud vendors train on a single institution's data. For orchestrators routing across multiple acquirers and geographies, that architecture has real consequences.
Orchestrators and platforms that run on Fraudio. Fraudio already runs inside platforms that process and route transactions at scale. The channel-partner model, multi-tenancy architecture, and go-live process are well established for orchestrators, payfacs, and acquirers of every size.
Silverflow is a next-generation cloud-native acquiring platform used by modern orchestrators, payfacs, and acquirers. Fraudio runs as a channel partner inside Silverflow, delivering fraud intelligence across every merchant on the platform from day one.
Cashflows is a UK & EU payment facilitator and acquirer serving ISVs, payfacs and merchants across the region. Fraudio operates inside Cashflows' platform as a channel partner, delivering real-time fraud detection across the full portfolio.
Fazz is Southeast Asia's leading payment facilitation and acquiring platform. Fraudio runs as a channel partner inside Fazz, with real-time fraud detection and AML across every merchant in the book.
PMI is one of the largest payment facilitators in Mexico with coverage across Latin America, running a full stack from payment gateway and POS terminals to high-volume collections and payment orchestration. Fraudio delivers merchant-level fraud detection and AML across the portfolio.
PayTabs is a Saudi-built payment orchestration and infrastructure provider powering e-commerce, enterprises, fintechs, and governments across the Middle East and North Africa, with products spanning orchestration, SoftPOS, acquiring switch, and card issuance. Fraudio integrates as a channel partner, extending AI-driven fraud detection and AML.
Enza is a pan-African payments platform covering acquirer processing, in-person acceptance, the enza Conductor online gateway, ATM acquiring, and AI-driven fraud. Fraudio supports Enza across the full merchant estate.
How the channel partnership works for orchestrators: the orchestrator integrates once with Fraudio. Every merchant underneath is covered by the same integration, and every PSP, payfac, or acquirer routing through the gateway can be provisioned as a partner tenant. No extra integration on the downstream partner's side, no engineering lift per account.
One integration. Full ecosystem covered.
Four capabilities. One integration. Every merchant and every downstream partner covered. Each capability is delivered through a single platform integration. The orchestrator integrates once and every merchant or partner can use any combination from day one.
Real-time authorisation scoring in milliseconds. 0–1 risk score: approve, step-up, or decline. Supervised AI catches known fraud; unsupervised AI catches novel and emerging patterns across the network. For orchestrators: covers CNP fraud, card testing, BIN attacks, and fraud patterns across multi-acquirer routing. Rules configurable per merchant, per MCC, per channel, per route.
↓ PFD One-PagerEntity-level monitoring for every merchant routed through the gateway. Detects transaction laundering, MCC manipulation, MID stacking, and chargeback abuse before scheme thresholds are breached and acquirers take action. For orchestrators: continuous risk scoring across every route, not just at onboarding. Early warning ahead of VAMP / VDMP / EDMP exposure.
↓ MIF Detection One-PagerAI-driven AML combining custom rules, link analysis, and behavioural modelling. Case management, SAR-ready exports, sanctions / PEP screening. PSD2, GDPR and EBA-aligned. For orchestrators: covers AML obligations across the full merchant estate and downstream partners, no separate AML vendor or integration required.
↓ AML One-PagerNo-code LLM-powered rules editor. Deploy rules in seconds, backtest on historical data, promote to live. Full case management with SLA workflows and audit trails, configurable per orchestrator, per partner, and per merchant. Your risk team manages rules centrally. Downstream partners and merchants self-manage their own rules inside isolated tenants.
Multi-tenancy that mirrors how orchestrators operate. Orchestrators route traffic for merchants across multiple acquirers, geographies, and payment methods under one roof. Fraudio's orchestration layer is built for exactly that shape. The orchestrator is the parent tenant, and every downstream partner or merchant that takes the fraud value-add sits as its own subtenant underneath.
The orchestrator owns the platform. Each opted-in merchant or downstream partner owns its own fraud environment. Fraudio integrates at the orchestrator level. Any merchant or partner can be provisioned as a subtenant in hours, with isolated rules, isolated investigation queues, and isolated data. Merchants and partners that don't opt in are still fully covered by the orchestrator's own monitoring.
The orchestrator decides what to enforce centrally. Baseline AML rules, scheme-threshold protection, or mandatory controls can be set once and inherited by every tenant automatically, while each merchant or partner still configures their own on top.
Subtenant provisioning is fully API-first. The orchestrator onboards a merchant or partner to the fraud platform in a single API call: account, users, keys. No manual steps.
Every tenant's data is fully isolated. The orchestrator has complete visibility across the full ecosystem from one console, with immutable audit trails for scheme, acquirer, or regulator review.
Orchestrators can push baseline fraud, AML, or scheme-threshold rules across every tenant automatically. Merchants and partners inherit and enforce without manual work, and configure their own rules within those bounds.
On your own traffic: replace legacy monitoring and lower fraud losses. On merchants who opt in: premium pricing and stickier relationships. On downstream partners: channel revenue that scales with the ecosystem. Combined, fraud tooling becomes an accretive P&L line.
✓ All tenants isolated · ✓ Orchestrator has full visibility · ✓ Immutable audit trail · ✓ Partners and merchants self-manage their own tenants
What the results look like when it's working.
“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.”
Makis Antypas, CIO, Viva Wallet
Read the full case study →Material for going deeper.
How Fraudio's patented centralised AI works and why the architecture matters for an orchestrator managing merchants and partners at scale.
↓ DownloadReal-time authorisation scoring, dynamic 3DS, the rules engine, and how the network effect works in practice for orchestrators.
↓ DownloadMerchant-side fraud, transaction laundering, MID stacking, and chargeback thresholds, caught early across every route.
↓ DownloadAML in depth: link analysis, case management, PEP & sanctions, and SAR-ready exports for orchestrators and their partners.
↓ DownloadWe'll walk you through exactly how this looks for your orchestration platform. 30 minutes with someone from the team. We'll map this to your own gateway traffic, to a value-add proposition for your merchants, to a channel-partner model for your downstream PSPs, payfacs, and acquirers — or to all three — and show you what go-live, multi-tenancy, and the economics actually look like for your setup.
No slides-only pitch, no commitment.
Let's talk →