Is Your Business Struggling with These Payment and Fraud Challenges?
Safeguard your revenue and reputation by addressing critical fraud and compliance challenges with precision and efficiency.
Soaring CNP & Cross-Border Fraud
Instant authorizations leave payfacs and acquirers no time for manual review, driving losses from stolen cards, triangulation schemes, and mule accounts.
Account Takeovers & Synthetic Merchants
Fraudsters hijack portals or create fake entities that pass basic KYB, exposing payment companies to fines and brand damage.
Rising Chargebacks and Disputes
Friendly fraud, promo abuse, and shipment issues trigger costly refund cycles that inflate chargeback ratios and threaten card-network standing.
Fragmented Global Compliance
Keeping pace with PSD2 SCA, FATF, and FedNow rules drains resources and creates audit gaps across multiple regions and rails.
Combat Fraud Instantly with FraudNet Solutions
Streamline transactions and enhance security, protecting your payment company from fraud and compliance issues.
Real-Time Transaction Monitoring
Score every payment in <300 ms to spot anomalies before approval.
Continuous Entity Screening
Automate KYB/AML checks at onboarding and throughout the merchant life-cycle.
AI-Native Risk Decisioning
Adaptive models cut false positives while catching emerging fraud signals.
Unified Case Management
Route, investigate, and resolve fraud and compliance alerts in one hub.
Millisecond-Level Detection
FraudNet evaluates each transaction in milliseconds, ensuring your revenue stays secure without compromising on speed. Enhance the checkout and payout process with seamless, real-time protection that safeguards your business and keeps customer satisfaction at the forefront.
Customizable, Low-Code AI Models
Tailor AI models effortlessly with our low-code platform, allowing you to adjust rules and thresholds to align with your distinct merchant profiles, risk preferences, and regional requirements. Enhance fraud detection precision while accommodating the diverse needs of your payment ecosystem.
End-to-End Workflow Visibility
Unify your fraud prevention efforts with a streamlined dashboard that consolidates alerts, evidence, and audit trails. Empower your team to dramatically reduce investigation times and meet regulatory requirements with ease, ensuring seamless compliance and enhanced operational efficiency for your payment company.
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
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FAQs
What is merchant risk scoring in the context of payment companies?
Merchant risk scoring is a process used by payment companies to assess the potential risk a merchant poses to the payment ecosystem. This involves evaluating various factors such as transaction history, business type, and geographical location to determine the likelihood of fraudulent activity or financial instability. This scoring helps payment companies decide on the level of scrutiny, credit terms, and monitoring required for each merchant.
Why is merchant risk scoring important for payment companies?
Merchant risk scoring is crucial for payment companies because it helps mitigate potential losses from fraud or insolvency. By identifying high-risk merchants early, companies can implement appropriate measures to protect themselves and their customers. This scoring also aids in compliance with regulatory requirements and helps maintain the overall integrity and trustworthiness of the payment ecosystem, ensuring safer transactions for all parties involved.
What factors are considered in merchant risk scoring?
Merchant risk scoring involves evaluating several factors, including the merchant's business model, transaction volume, chargeback history, industry type, and geographical location. Additional considerations may include the merchant's credit history, customer reviews, and the presence of any legal or regulatory issues. By analyzing these factors, payment companies can develop a comprehensive risk profile that helps them make informed decisions about partnering with or continuing business with a merchant.
How do payment companies use merchant risk scores?
Payment companies use merchant risk scores to tailor their approach to managing relationships with merchants. High-risk scores might trigger increased monitoring, stricter transaction limits, or even termination of the merchant account. Conversely, low-risk scores could lead to more favorable terms, such as lower fees or faster settlement times. These scores help payment companies allocate resources effectively and ensure that risk management strategies are appropriately aligned with the nature of each merchant's business.
Can merchants improve their risk scores?
Yes, merchants can improve their risk scores by adopting best practices that demonstrate financial stability and reliability. This includes maintaining a low chargeback ratio, ensuring transparent business practices, and implementing robust fraud prevention measures. Additionally, merchants can improve their risk profile by providing accurate and timely documentation, maintaining a strong credit history, and addressing any regulatory or compliance issues promptly. These efforts can lead to a more favorable assessment by payment companies.
What role does technology play in merchant risk scoring?
Technology plays a pivotal role in merchant risk scoring by enabling the analysis of large volumes of data quickly and accurately. Advanced algorithms and machine learning models can identify patterns and anomalies that may indicate potential risks. These technologies help automate the scoring process, allowing payment companies to make real-time decisions and quickly adapt to emerging threats. Additionally, technological tools can continuously monitor merchant activities, providing ongoing risk assessments that keep pace with changing business dynamics.