Are High False Decline Rates and Manual Review Bottlenecks Hurting Your Bottom Line?
Boost approval accuracy and streamline operations to safeguard revenue, enhance customer experience, and reduce operational costs.
High False Decline Rates
Rigid fraud rules trip on legitimate spend. Issuers shoulder reputation damage, abandoned baskets, and lost interchange as cardholders switch to alternate payment rails.
Manual Review Bottlenecks
Spikes in weekend or holiday volume overwhelm risk teams. Analysts chase spreadsheets and emails, delaying authorizations, inflating operating cost, and frustrating customers who expect instant decisions.
Fragmented Data Systems
Issuer fraud desks juggle core, network, and third-party feeds that don’t interoperate. Without a unified view, risk scores lack context, leading to poor approvals and investigative blind spots.
Regulatory Compliance Pressure
Keeping pace with PSD2 SCA, AML/KYC, and card-network mandates requires meticulous logging and timely reporting. Manual processes increase audit exposure and divert resources from revenue-generating work.
FraudNet Solutions: Transforming Fraud Challenges into Opportunities
FraudNet cuts decline rates and review delays, boosting issuer profits and customer satisfaction instantly.
AI-Native Transaction Scoring
Scores each authorization in <50 ms, slashing false declines and manual queues.
Adaptive Decision Engine
Self-learns issuer patterns, auto-tunes thresholds to balance risk and customer experience.
Unified Data Hub
Aggregates issuer, network, and third-party data into one view for context-rich decisions.
Automated Compliance Trails
Generates audit-ready logs and reports instantly, easing PSD2, AML, and card-scheme audits.
Real-Time Precision Approvals
FraudNet’s advanced AI models analyze over 1,000 signals per transaction, ensuring genuine transactions are approved in milliseconds. This not only protects your revenue but also enhances the customer experience by eliminating unnecessary checkout friction, keeping your cardholders satisfied and loyal.
Operational Efficiency
Transform manual spreadsheet chaos into streamlined efficiency with automated workflows, prioritized cases, and one-click resolutions. Cut analyst workload by up to 60%, freeing up resources and budget to focus on growth and enhancing your cardholder experience.
Compliance Confidence
Gain peace of mind with our robust compliance solutions. Continuous monitoring, rule versioning, and immutable logs ensure you not only meet but exceed PSD2 SCA and AML mandates, transforming audit preparation from a time-consuming ordeal into a seamless, minutes-long process.
Impact & Results
Delivering Results that Matter
We don’t just promise better fraud control—we deliver tangible improvements that protect your business.
97%
Fewer False Positives
Approve more valid transactions confidently.
88%
Fraud Reduction
Experience double-digit reductions in fraud-related chargebacks
60%
Cost Savings
Save time and resources while securing your revenue.
Why FraudNet
Future-Proof Your Fraud & Risk Program
With an integrated platform designed for precision, agility, and impactful results, enabling your team to make smarter decisions, improve operational efficiency, and fuel your business growth.
Customizable & Scalable
No-code rules engine, flexible dashboards, and tailor-made machine learning models that are designed to adapt seamlessly and scale alongside your business.
End-to-End Platform
Unify fraud detection, compliance, and risk management into one powerful solution, saving valuable time and streamlining your operations.
AI Precision You Can Rely On
Reduce false positives, detect and prevent more fraud, and mitigate risk with highly accurate, real-time risk scoring and anomaly detection you can trust.
Real-Time Fraud Intelligence
Leverage advanced analytics, comprehensive reporting, and our Global Anti-Fraud Network to make faster, smarter decisions on the spot.
Testimonials
Real Success From Real Teams
Fraud.net’s flexibility has helped our AfterPay business grow by allowing us to meet our increasingly complex customer and country requirements. Their platform has enabled Arvato to increase our agility and significantly reduce fraud attacks.
Director Risk & Fraud, Arvato
FraudNet's combination of customized machine learning and flexible rules management has been transformative. We've achieved dramatic efficiency gains while maintaining robust fraud protection - a game-changer as we navigate evolving regulatory requirements.
Head of Financial Crime, Countingup
The great usability of Fraud.net is night and day when comparing it to our prior risk prevention platform. Reporting is also faster, more straightforward, and more impactful. With Fraud.net, we can easily visualize and share findings, providing our leadership with a clear understanding of the return-on-investment for our activities in real-time.
Fraud Manager, Global Financial Institution
Speak with our Solutions Expert Today
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Recognized by Industry Analysts
Related Resources
Other Services
View More
FAQs
What are issuer automated payment approvals?
Issuer automated payment approvals refer to the use of technology and algorithms by financial institutions to automatically process and approve credit or debit card transactions. This system evaluates transactions in real-time based on predefined criteria and risk assessment models. The goal is to enhance efficiency, reduce manual intervention, and improve the speed of payment processing while maintaining robust security measures to protect against fraudulent activities.
How do issuer automated payment approvals work?
Issuer automated payment approvals work by utilizing advanced algorithms and machine learning models to analyze transaction data in real-time. When a cardholder initiates a transaction, the system assesses various factors such as the cardholder's spending patterns, transaction amount, merchant details, and location. It then determines the risk level and decides whether to approve or decline the transaction. This process is designed to be fast, enabling smooth and secure payment experiences for customers.
What are the benefits of automated payment approvals for issuers?
Automated payment approvals offer several benefits for issuers, including increased efficiency by reducing the need for manual review of transactions. They enhance fraud detection capabilities by using sophisticated algorithms and real-time data analysis. These systems also improve customer experience by providing faster transaction approvals and minimizing false declines. Additionally, they help issuers manage risk more effectively and streamline operations, ultimately leading to cost savings and improved customer satisfaction.
How do automated approvals help in fraud prevention?
Automated approvals help in fraud prevention by leveraging advanced analytics and machine learning to identify unusual patterns or behaviors indicative of fraudulent activity. The system continuously learns from historical transaction data, allowing it to recognize anomalies and flag suspicious transactions for further review. By analyzing factors like transaction frequency, location, and amount, automated systems can quickly detect potential fraud, reducing the risk of unauthorized transactions and protecting both the issuer and the cardholder.
What challenges do issuers face with automated payment approvals?
Issuers face several challenges with automated payment approvals, including balancing security and customer convenience. Overly stringent algorithms may lead to false declines, frustrating customers, while too lenient systems may increase fraud risk. Ensuring data privacy and compliance with regulations like GDPR is crucial. Additionally, maintaining up-to-date technology and adapting to evolving fraud tactics require continuous investment and monitoring. Issuers must also manage system integration and ensure seamless collaboration with merchants and payment networks.
How can issuers improve their automated payment approval systems?
Issuers can improve their automated payment approval systems by continuously updating their algorithms with the latest fraud trends and incorporating machine learning for adaptive learning. They should focus on enhancing data analytics capabilities to better understand customer behavior and preferences. Collaborating with industry partners and participating in information-sharing networks can provide valuable insights. Regularly testing and calibrating the system to minimize false positives and negatives is essential. Investing in customer education about security practices can also strengthen overall system effectiveness.