Trumia's Malta licence extension lets you finally run acquiring and issuing in-house, and diversify beyond gaming subscriptions into low-risk brick-and-mortar. Fraudio is the AI, scheme-monitoring and merchant-oversight platform built for exactly that transition — live before your first in-house transaction, and calibrated for the scheme aggression Mastercard is already known for on new merchants.
Trumia is an MFSA-regulated EMI that just secured the licence extension to run acquiring and issuing in-house — previously outsourced. The strategic shift is twofold: control the payments stack you were paying someone else for, and diversify from high-risk gaming subscriptions into the low-to-medium risk mainstream — the "mom and pop" shops, brick-and-mortar SMEs, physical merchants. On paper, both moves reduce risk. In practice, both moves put Trumia on the schemes' watch-list: a brand new BIN, a new merchant book, and Mastercard specifically watching new merchants for refund ratios and scam signals. That's the gap Fraudio is built to close.
Visa's Acquirer Monitoring Program and Mastercard's Merchant Monitoring Program are the metrics that decide whether Trumia's merchants stay open on the schemes' books. Fraudio tracks both natively — merchant, sub-portfolio and BIN level — so Stephen's team sees the ratios drift as they develop, with the driver merchants surfaced, not buried.
Continuous tracking of Visa's combined fraud and dispute ratios. Early warning when a merchant or sub-portfolio drifts toward Standard or Excessive thresholds.
Mastercard's Merchant Monitoring Program tracked the same way — with a specific focus on the refund-ratio and scam typologies MC uses aggressively against new BINs.
The Mastercard reality for a new licence: Mastercard is particularly aggressive toward new merchants on refund ratios and potential scams. A brand-new BIN with a subscription heritage lands in exactly the pattern MC pays extra attention to. Watch the ratios early — or Mastercard will make the call for you by closing the merchant.
Fraudio is production-live on both integration paths, and we support Trumia either way. Our recommendation, given the high-risk merchant activity you'll keep servicing during the diversification, is to integrate Fraudio directly to your payment gateway for the richest data set. But if Silverflow fits your operational plan better, that path is equally supported and equally live.
The bottom line: both options work, both are live in production. Direct gives Trumia the richest data set for the high-risk mix, which is why we recommend it — but whichever path fits your operational plan, we're on the other end.
Fraudio spun out of an ING acquirer in 2019 as an AI/ML company from first principles. The differentiator is the centralised database: acquiring, issuing and account-to-account data mapped into one homogeneous schema, segmented by MCC, location and channel.
Every new participant strengthens detection for the rest. Trumia's new merchant book gets the network effect from transaction one — no cold-start period, no waiting for your own data to season.
A real-time context store enriches every 16-80 raw fields with thousands of aggregate and interaction features — so the AI is deciding on rich context, not a bare payload.
Fraudio outputs recommendations as a traffic light — simple enough for Stephen's team to act on, backed by supervised models (trained on chargebacks, TC40 and investigation outcomes) and unsupervised models (clustering similar merchants to detect anomalies like collusion or laundering).
Clean signal across the model ensemble. Transaction or merchant proceeds. No analyst action required.
Anomaly signals worth investigating. Alert queued for the analyst with full context — features triggered, similar patterns, historical merchant behaviour.
High-confidence signal. Action taken per your rules — block transaction, withhold settlement, escalate merchant to compliance queue.
Sub-100ms pre-authorisation scoring across CP and CNP. Traffic-light recommendation on every transaction. Works from day one on the new BIN thanks to the pre-trained AI.
Apply 3DS where risk warrants it, exempt where safe. Optimise conversion on the low-risk brick-and-mortar book without loosening posture on the high-risk subscription tail.
Sequence-based AML — structuring, layering, mule activity — across acquiring and open banking flows. Full case management and SAR/STR-ready output for MFSA and FIU expectations.
Merchant pages show decline rates, chargeback history and program-violation alerts. LLMs crawl the merchant's web presence to surface additional context — forbidden goods, MCC mismatches, scheme-standard failures.
Import Visa's scheme rules into the library and enable them out of the box. Use natural-language prompts to generate custom rules — "block MCC 7995 transactions above €500 from IPs in country X" turns into live logic.
Screening rules for real-time authorisation. Monitoring rules for entity-level pipelines. Audit function warns when a rule is logically flawed. Shadow mode tests every rule on historical data before it goes live.
For Trumia's open banking and transfer flows (already ~500K/month), the fraud problem is smaller and the compliance problem is bigger — PEP, sanctions and adverse-media screening are what actually matters. Fraudio provides the full stack, priced to be competitive with dedicated screening vendors.
Pricing benchmark: we'll happily review Trumia's current per-check screening cost and come back with a competitive offer. As soon as Stephen shares the monthly screening volume, we'll size the tier and get the numbers to you.
Because Trumia is planning to replace the current external gateway provider, we're recommending three gateways we know well and can make warm introductions to. Grant can start the conversations directly — no gate-keeping from us.
Payment orchestration platform with strong high-risk merchant coverage.
Rounded gateway well-suited to a mixed high- and low-risk merchant book.
Payment gateway with modern integrations and native Fraudio path.
Direct introductions to each of the three come as a follow-up to this page — so Grant can pick up the conversations without going through us.
Full API reference, integration guide, data schema, webhook specs.
How the AI is trained, how alerts are explained, model governance.
Centralised AI, network effect, customer results on a single page.
Grab a slot when Trumia's technical team is ready to go deeper.
The AI is already trained. Configure rules from the curated library the day API access is in place — Trumia gets accurate scores from the first in-house merchant onboarded.
Both scheme programmes are native — not bolted on. Stephen's team sees ratio drift as it develops, with the driver merchants surfaced. Get ahead of Mastercard before Mastercard gets ahead of you.
ISO 27001, GDPR, EU data residency on GCP Amsterdam, ING-acquirer heritage. The shape MFSA already expects from a vendor.
Every red-yellow-green comes with reasoning — the features and behaviours that triggered it. Defensible to MFSA, defensible to Visa, defensible to Mastercard.
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 Trumia's in-house acquiring transition needs.
“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.”
