S-Payment is the payments competence centre for 50M+ Sparkassen customers, orchestrating payments across every channel and every vehicle from PoS through Wero. Fraudio is the European centralised AI matched to exactly that omnichannel reality — already live behind the processors S-Payment builds with, from Bancontact Payconiq for Wero volumes to Pismo and Paymentology on the card side.
S-Payment orchestrates payments for the Sparkassen-Finanzgruppe across PoS, e-commerce, m-commerce, cards, mobile wallets (Apple Pay, Google Pay), Wero real-time A2A, and emerging channels like e-mobility and connected cars. Fraud detection at that surface has to be built the same way: European, centralised, omnichannel, and matched to the processor ecosystem the payments flow through. That's exactly the platform Fraudio is.
Fraudio's European roots are as deep as they come — spun off from an ING acquirer in 2019 by data scientists who understood European banking-grade risk from day one. Every design decision reflects it: EU data residency on GCP Amsterdam, ISO 27001 certification, GDPR compliance by architecture, and a consortium that skews European in both merchants and cardholders.
For S-Payment, that means the compliance shape a Sparkassen partner is already required to accept — no US-region entanglement, no regulatory pattern that needs re-engineering to fit BaFin, EBA or ECB expectations.
Fraudio's centralised approach means we plug into the processor layer once and cover every downstream customer. That's the same architectural pattern S-Payment uses across the Sparkassen network — and it's why the fit is natural. Fraudio is already familiar with, and live behind, the processors S-Payment builds with.
The processor behind Wero volumes and Payconiq A2A flows. Fraudio integrates at the processor layer to score real-time A2A traffic — no per-bank re-integration needed.
Cloud-native card processor for issuing, acquiring and core banking. Fraudio's cloud-native architecture and centralised model pair naturally with Pismo's own architecture.
Global issuer processor for card programmes. Fraudio's issuing-side coverage plugs directly into Paymentology-processed volumes — real-time and post-authorisation.
Why this matters for S-Payment: instead of standing up a fraud integration per Sparkassen or per new channel, one Fraudio integration at the processor layer covers every downstream flow. That's the same centralised philosophy S-Payment applies to the Sparkassen network — one competence centre, many customers.
S-Payment's omnichannel reality — PoS, e-commerce, m-commerce, wallets, Wero, in-app, e-mobility, connected cars — needs a fraud layer that behaves the same way. Fraudio's centralised schema absorbs every payment vehicle into one model, segmented by MCC, channel and location, so no rail becomes a blind spot.
Card-present, contactless, terminal-level anomaly detection.
CNP scoring, dynamic 3DS, chargeback prevention.
Mobile checkout, device intelligence, session risk.
Sparkassen-Card, credit, debit — issuing & acquiring in one view.
Apple Pay, Google Pay, tokenised card flows.
Real-time A2A scoring, dedicated Wero-volume monitoring.
In-app card and A2A flows, embedded-checkout monitoring.
Emerging vehicle payments — new MCCs modelled from consortium data.
Same customer, same merchant seen across every channel — one behavioural picture.
Wero is made-in-Europe real-time account-to-account payments — the volume is scaling fast, and the fraud typology looks nothing like card. Instant, irrevocable, socially-engineered — closer to APP fraud, faster than most legacy monitoring stacks were designed for.
Fraudio scores Wero-volume A2A traffic through the Bancontact Payconiq processor layer, using the same real-time inference (<100ms) and centralised behavioural modelling that runs on the card side. Mule detection, APP scam patterns, coordinated push-payment fraud, sudden-value-shift signals — all modelled on the flows we already see across the consortium.
Fraudio is built on a centralised database that unifies issuing, acquiring, wallet and account-to-account data into one homogeneous schema, contextualised by MCC, location and channel. Every Sparkassen customer benefits from the network effect — a card fraud pattern spotted in one European corridor makes every downstream customer sharper.
Real-time context stores enrich each 16-80 field payload with thousands of aggregated features — so decisions land in under 100ms with full contextual weight, whether the transaction is at a PoS terminal, in an e-com checkout, on Apple Pay, or on a Wero push.
Customisable dashboards per channel, per Sparkasse, per rail. Drill into merchants, transactions, alerts, cases. Group and sub-tenant views both supported.
A tenant per Sparkasse or per business line if needed — data segregation, role-based access, isolated rules. S-Payment gets the group roll-up.
Describe rules in plain language. Import from a curated library. Shadow-mode every rule on historical traffic before it goes live.
Rule- and AI-generated alerts in one queue. Investigate, comment, escalate, export. Full audit trail for BaFin and internal audit.
Move known low-risk activity into the background without disabling monitoring — daily alert volume drops, investigation focus concentrates on real risk.
LLM-driven merchant summaries — forbidden goods, MCC mismatches, scheme-standard failures surfaced automatically.
ING-acquirer heritage, GCP Amsterdam residency, GDPR compliance, ISO 27001 certification — the shape a Sparkassen partner already needs to accept, from day one.
Bancontact Payconiq for Wero volumes, Pismo, Paymentology — Fraudio is familiar with the processor stack S-Payment builds on. One integration, every downstream Sparkasse covered.
PoS, e-com, cards, wallets, Wero, in-app — one model absorbs all of them. Cross-channel visibility on the same customer, the same merchant, the same behaviour.
Sub-100ms inference across all rails — including the A2A instant-payment scoring Wero needs to hold up as volumes scale.
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 S-Payment needs across the Sparkassen network.
“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.
Centralised AI, network effect and customer results in one page.
How the AI is trained, how alerts are explained, model governance.
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