Product

Authorized Payment Protection

We help financial institutions and payment platforms detect and prevent Authorized Push Payment (APP) fraud in real time using proprietary data, AI, and behavioral analysis — safeguarding customers and preserving trust while supporting seamless payment flows.
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Real-Time APP Fraud Detection and Prevention

Authorized Push Payment (APP) fraud is a rapidly rising threat in peer-to-peer (P2P) and account-to-account (A2A) payment environments. Using real-time risk scoring, global data networks, and intelligent behavioral analysis, this solution identifies fraudulent payment authorizations and flags them for review before loss occurs. Financial institutions and real time payment platforms rely on Authorized Payment Protection to shield customers while maintaining frictionless transaction experiences.
Global Data Consortium
Leverages vast international data sets to detect and stop known scams from fraudsters.
Intelligent Behavioral Analysis
Monitors device data and user behavior to detect impersonation, including email and device risk scoring.
Advanced Machine Learning
Analyzes logins, account history, and active investigations to deliver immediate, accurate risk assessments.
Comprehensive Risk Mitigation
Screens both Origin and Destination accounts in real-time.
Seamless Customer Experience
Protect payments while minimizing friction for legitimate users.
Flexible Risk Policies
Tailor scoring and rules to your organization’s tolerance.
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40% of digital fraud is linked to APP

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67% of APP fraud cases involve purchase scams

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30% rise in scams targeting the elderly and underbanked

How Authorized Payment Protection Works

Authorized Payment Protection integrates directly with your payments platform (via real-time APIs) to assess risk on both origin and destination accounts before transactions settle. It uses a combination of global data signals, machine-learning models, and intelligent behavioral analytics to score each payment event instantly. Businesses can define policies to automatically approve, decline, or flag transactions for review — all accessible through a centralized dashboard with full visibility into decision logic — giving risk teams control and transparency while enhancing customer trust.

Why Invest in Authorized Payment Protection?

Authorized Payment Protection is essential for any organization handling real-time transactions. By stopping APP fraud before losses occur, you protect customer funds, reduce financial losses, and protect your digital payment ecosystem. It blends deep data insights and adaptive AI to keep pace with evolving scams — delivering measurable risk reduction and improved customer satisfaction.

P2P Payments Security

Prevent fraud in peer-to-peer and mobile payment apps with real-time risk scoring to block social engineering scams instantly.

Banking Fraud Prevention

Protect retail and business banking transfers by detecting suspicious patterns tied to account compromise or impersonation.

Real-Time A2A Protection

Shield account-to-account transaction flows by analyzing both payer and payee risk before funds leave the origin account.

Frequently Asked Questions

APP fraud occurs when a user is tricked into authorizing a payment to a criminal account.

Decisions are made in milliseconds to match instant payment flow speeds.

Yes, Authorized Payment Protection integrates via API for real-time scoring.

Risk scoring is designed to minimize friction for legitimate users while flagging only high-risk transactions. Clients maintain full control over risk policies and decision logic, allowing them to optimize for their specific customers.

Banks, fintechs, and payment platforms that handle high volumes of real-time transfers are most likely to need and benefit from Authorized Payment Protection.

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