August 25, 2026
Merchant fraud detection platforms are specialized software systems that monitor, analyze, and flag suspicious activity at the merchant level within payment networks.
Unlike transaction-level fraud detection, which evaluates individual card transactions – merchant fraud detection assesses patterns across a merchant's entire transaction history to identify businesses that are fraudulently processing payments.
The category addresses specific fraud types that general fraud tools cannot handle effectively. Bust-out fraud, for example, involves a merchant processing high volumes of seemingly legitimate transactions, collecting settlement funds, and then disappearing before chargebacks arrive. Transaction laundering involves merchants processing payments for illegal goods while appearing to sell legitimate products.
These patterns are invisible to transaction-level scoring but become clear when you analyze a merchant's behavior as an entity across time.
According to the Nilson Report, global card fraud losses reached $33.41 billion in 2024, tied to global card volume of $51.92 trillion. The expansion of digital merchant onboarding, where payment facilitators and acquirers board thousands of SMEs without face-to-face verification – has made merchant fraud detection platforms a critical layer of defense for any organization holding merchant liability.
The market for best platforms for detecting merchant fraud spans from standalone merchant monitoring tools to comprehensive financial crime suites that combine payment fraud detection, AML monitoring, and peer-to-peer transfer analysis in a single system.
The case for investing in one of the best platforms for detecting merchant fraud comes down to one number: approximately 3% of new digitally boarded SMEs turn out to be fraudsters. For a payment facilitator boarding 1,000 new merchants per month, that is 30 fraudulent merchants entering the portfolio every 30 days.
Without real-time merchant monitoring, those merchants are typically discovered only after chargebacks arrive, which can be 45 to 90 days after the fraudulent transactions occur. By that point, settlement funds have already been paid out. The acquirer or PayFac absorbs the loss directly.
The financial exposure compounds quickly. A single bust-out merchant operating for six weeks can generate hundreds of thousands in fraudulent transactions before detection.
Card scheme fines from Visa and Mastercard for processing illegal transactions add another layer of cost. Reputational damage from repeated fraud incidents affects future merchant acquisition and partner relationships.
The operational burden is equally significant. Manual review of merchant transaction data using rules and spreadsheets does not scale as merchant volumes grow. Fraud teams stretched across hundreds or thousands of merchant accounts cannot maintain the investigation quality needed to catch sophisticated fraud early.
Merchant fraud detection platforms address this by automating entity-level behavioral analysis across the entire merchant portfolio. Real-time alerts, prioritized by severity, give fraud teams a clear action queue rather than a data dump.
Peer comparison analysis flags merchants whose behavior deviates from similar businesses in the same category. Plus, when the highest-confidence alerts require no further investigation – like Fraudio's High/Black alert level with no false positives; settlement can be withheld automatically before losses occur.
The ROI case is measurable. Fraudio's deployment with Viva Wallet delivered 8x return on investment, 600% increase in fraud team efficiency, and fraud detection three weeks earlier than the previous solution – all from a platform that was live within days of contract signature.
Acquiring banks hold direct liability for the merchants in their portfolio. When a merchant commits bust-out fraud, processes stolen cards, or launders transactions, the acquiring bank absorbs chargebacks, card scheme fines, and potential regulatory action.
A dedicated merchant fraud detection platform is the primary defense against these losses.
Acquirers need entity-level behavioral analysis across their entire merchant base, real-time alerting with automated fund-withholding capability, and dashboards that give fraud teams visibility into merchant volumes, dispute rates, and peer comparisons.
PayFacs are particularly exposed to merchant fraud because they hold sub-merchant liability under their master merchant agreement with card schemes.
As PayFacs scale through digitalized onboarding, the volume of merchants entering their portfolio outpaces manual review capacity.
Merchant fraud detection platforms with automated triage and tiered alert levels are essential for PayFacs that want to grow without proportionally scaling headcount or accepting fraud losses as a cost of doing business.
Processors who resell payment infrastructure to issuers and acquirers often hold residual fraud liability or face contractual obligations to maintain fraud rates below scheme thresholds.
The best platforms for detecting merchant fraud allow processors to offer fraud monitoring as a value-added service to their clients, reducing churn and creating an additional revenue layer while protecting the overall portfolio from card scheme sanctions.
Fintechs that provide payment acceptance, lending, or banking services to small businesses face similar exposure to PayFacs when those business customers commit fraud.
A fintech offering instant account activation and payment processing needs automated merchant behavioral monitoring to catch bad actors before losses accumulate.
For early-stage fintechs, platforms with fast integration timelines and usage-based pricing, rather than enterprise contracts requiring months of onboarding – are the practical choice.
ISOs that recruit and manage merchants on behalf of acquirers face reputational and contractual risks when their merchant portfolios generate fraud.
Merchant fraud detection platforms that track merchant behavior at the entity level – including peer comparisons and dispute rate trends, give ISOs the visibility needed to act on problem merchants before card scheme thresholds are breached.
Fraudio is a real-time fraud and AML prevention platform built specifically for payment companies. Our Merchant Initiated Fraud Detection (MIF) product uses an entity-driven analysis rail that assesses merchants across time, tracking all money flows, payment vehicles, device signals, and associated data to identify fraudulent merchants before chargebacks arrive.
Our patented centralized AI technology breaks the data silos that limit most merchant fraud detection platforms.
Instead of training models only on each customer's isolated transaction history, our AI learns from billions of transactions across all connected customers in real-time – creating a network effect that makes detection more accurate from the first transaction processed.
This means newly onboarded customers benefit from the full intelligence of the network immediately, not after months of model training.
We are deployed across acquirers, PayFacs, and fintech companies – processing billions of transactions across 188 countries, serving over 2 million merchants from 548 industries. Our integration takes 3-14 days compared to 5–14 months for traditional enterprise platforms, and customers see measurable fraud reduction from day one.
Our work with Viva Wallet demonstrates what this looks like in practice: 8x ROI, 600% increase in fraud team efficiency, and fraud caught three weeks earlier than the previous solution.
Our merchant fraud detection product covers bust-out fraud, transaction laundering, credit card testing on merchant accounts, and coordinated fraud campaigns.
In addition, we also offer an integrated anti-money laundering platform and a peer-to-peer transfer transaction monitoring product for organizations that need AML compliance and P2P fraud detection alongside merchant monitoring in a single system.
The fundamental gap in most merchant fraud detection platforms is that they operate siloed AI models trained only on each customer's data. When a payment facilitator onboards Fraudio, their models start with the intelligence from billions of transactions across the entire Fraudio network – not from zero. That is not a marginal improvement; it changes detection capability from day one.
Combined with entity-level behavioral analysis, peer comparison, and automated fund withholding capability, we catch fraudulent merchants weeks before chargebacks arrive – a lead time confirmed in our Viva Wallet deployment, where fraud detection came three weeks earlier than the previous solution. That is the critical window: if you can withhold settlement before a bust-out merchant disappears, the loss never materializes.
Our pricing model reinforces this. No setup fees, no implementation fees, no maintenance fees, and no hidden charges – costs that scale down as your volume grows. Customers committing to higher volumes can lock in buy rates across the term of their agreement.
For emerging fintechs and growing PayFacs, that means enterprise-grade merchant fraud detection without enterprise-grade commitment.
Fraudio operates on a usage-based pricing model with no setup fees, no implementation fees, no maintenance fees, and no hidden charges. Customers pay per transaction processed, and the cost per transaction decreases as volume grows.
On the other hand, customers committing to higher volumes can lock in buy rates across the term of their agreement.
Exact pricing is available through direct contact with Fraudio's team.
For acquirers, PayFacs, and fintech companies that need a dedicated merchant fraud detection platform with real-time entity-level analysis, rapid deployment, and pricing that scales with growth, Fraudio is the strongest option on this list.
The centralized AI network effect, three-tier alert system, and proven deployment timelines make it the right fit for payment companies at any stage.
Whether you are an emerging fintech processing millions of transactions monthly or an established acquirer processing billions, the centralized AI network effect, usage-based pricing, and 3-14 day integration make Fraudio the practical choice at every stage of growth.
FraudNet is a cloud-based fraud detection platform that combines real-time transaction monitoring with AI-driven decision-making and configurable rules management.
The platform is positioned as a modular system, allowing organizations to activate specific fraud detection capabilities as needed rather than committing to a monolithic enterprise deployment.
FraudNet targets mid-size payment companies and financial institutions that need flexible, customizable merchant fraud detection without the overhead of tier-one enterprise platforms.
Their real-time scoring engine evaluates transactions using machine learning alongside rules and behavioral analytics. For merchant fraud use cases, the configurable rules management and case management capabilities are its primary tools.
FraudNet also provides analytics dashboards and investigation workflows for fraud teams.
FraudNet is a credible option among the best merchant fraud detection platforms for mid-size organizations that value modularity and rules flexibility.
Its combination of real-time AI scoring and configurable rule management provides fraud teams with both automated detection and manual control over decision logic.
FraudNet offers custom pricing based on organization requirements, transaction volumes, and specific modules needed. No standard public tiers are listed.
Contact their sales team directly for a customized quote.
FraudNet is a reasonable choice for mid-size payment companies that need modular fraud detection with strong rules flexibility.
It is less specialized than dedicated merchant fraud detection tools built for acquirer and PayFac environments, and the lack of published pricing makes early evaluation harder.
Best suited for organizations that want a configurable platform and have the team capacity to manage rules and case workflows in-house.
Feedzai is one of the most recognized names in enterprise financial crime prevention. Its RiskOps platform is designed for large financial institutions processing at scale, combining omnichannel fraud detection, AML monitoring, and case management in a single system.
Feedzai claims to protect $8 trillion in transactions annually and serves major banks and payment processors across multiple continents. As a merchant fraud detection platform, Feedzai's capabilities extend across transaction fraud, account takeover, and merchant monitoring.
Its machine learning models are deployed at tier-one institutions including major global banks, and the platform is consistently recognized in analyst reports from Gartner and Forrester. Feedzai is enterprise-focused in both capabilities and pricing.
Feedzai is one of the strongest choices among enterprise merchant fraud detection platforms for large financial institutions that need proven scale, analyst recognition, and a full-suite financial crime capability in a single vendor relationship.
Its depth of machine learning infrastructure and enterprise integrations makes Feedzai a credible option for organizations with the procurement budget and integration timeline that a tier-one enterprise deployment requires.
Feedzai pricing is fully custom and quote-based for enterprise clients. Contact Feedzai's sales team directly for pricing.
Feedzai is amongst the best platforms for detecting merchant fraud, especially for large financial institutions who need enterprise-scale fraud detection, AML and case management features on a single platform.
It is, however, not a practical option for emerging fintechs or smaller payment companies given the pricing, integration timeline, and enterprise procurement requirements.
For organizations that need fast deployment and usage-based pricing, dedicated merchant fraud detection platforms with rapid integration timelines and transparent pricing will be more appropriate choices.
SEON is a fraud detection platform positioned at the mid-market segment, offering rapid deployment, transparent pricing, and a broad signal set covering digital footprint analysis, device intelligence, and behavioral data.
SEON's 14-day deployment timeline and published pricing tiers make it one of the most accessible merchant fraud detection platforms for growing payment companies that need a functional solution without a lengthy procurement process.
The application uses 900+ first-party signals including email and social media data enrichment, device fingerprinting, IP analysis, and velocity checks to assess transaction risk.
SEON is widely deployed by fintechs, neobanks, and digital payment companies that need fast, affordable fraud detection without enterprise commitment; its transparent pricing and 14-day deployment make it one of the few platforms on this list that a growing payment company can evaluate, procure, and go live with inside a single month.
SEON is one of the stronger mid-market options among top merchant fraud detection platforms for organizations who prioritize speed to value and cost transparency.
Its combination of broad signal coverage, fast deployment, and transparent pricing addresses the accessibility gap that keeps many smaller payment companies running on underpowered rule-based systems.
SEON offers a free plan for testing with up to 500 manual checks per month and 10 custom rules. The Starter plan begins at $699/month with 1,000 API calls per month.
Higher tiers scale based on transaction volume, use case, and specific feature requirements.
SEON is a strong choice for mid-market fintechs and growing payment companies that need fast deployment and transparent pricing.
It is less suited for organizations that need deep entity-level merchant monitoring at acquirer scale, or for large financial institutions with enterprise compliance and SLA requirements.
Can prove to be a useful starting point for teams moving off basic rule systems.
Sardine AI is a fraud detection platform that originated in the neobank space and built its core differentiation around device intelligence and behavioral biometrics.
The platform profiles user behavior across sessions, devices, and transaction flows to detect fraud patterns that transaction monitoring alone cannot catch. Sardine claims to have profiled over 2.2 billion devices and delivers fraud decisions in under 50 milliseconds.
As a merchant fraud detection platform, Sardine is most relevant for fintechs and digital payment companies where the fraud vectors are primarily at the user and device level: account takeover, authorized push payment fraud, and identity fraud – rather than merchant-specific bust-out fraud or transaction laundering.
Its speed and device intelligence make it a strong fit for high-velocity digital payment environments.
Sardine is counted amongst the best platforms for detecting merchant fraud in digital-first environments where device and behavioral signals are primary fraud indicators.
Its speed, device network breadth, and behavioral biometrics combine capabilities that most platforms source from multiple vendors.
Sardine uses custom pricing based on transaction volume and deployment scope. Contact their website directly for a tailored quote.
Sardine is a strong choice for digital-first fintechs and neobanks that need device intelligence, behavioral biometrics, and fast transaction scoring in a single platform.
It is less relevant for traditional acquirers and PayFacs whose primary fraud exposure is merchant-initiated bust-out fraud and transaction laundering.
Teams that need comprehensive merchant entity-level monitoring should evaluate dedicated merchant fraud detection tools alongside Sardine's device-level capabilities.
Hawk AI is a financial crime compliance platform that combines AML transaction monitoring, fraud detection, and case management with an emphasis on explainable AI.
The platform is designed for banks and financial institutions that need to demonstrate audit-ready decision-making to regulators, providing AI-driven risk scoring alongside clear explanations of why transactions were flagged.
As a merchant fraud detection platform, Hawk AI is primarily positioned around the AML and compliance use case rather than real-time merchant entity monitoring.
Its strength is in helping compliance teams manage alert volumes, reduce false positives, and maintain complete audit trails for regulatory examination. Banks and regulated financial institutions facing AML compliance pressure are its primary audience.
Hawk AI is one of the stronger options among merchant fraud detection platforms for compliance-first organizations that need explainable AI alongside their fraud detection capability.
Its focus on audit-readiness and regulatory transparency addresses a genuine gap in the market for banks facing increasing regulatory scrutiny.
Hawk AI pricing is custom and discussed directly with prospective clients. Contact Hawk's sales team for a tailored quote based on transaction volume and deployment scope.
Hawk AI is the right choice for regulated financial institutions whose primary fraud and compliance challenge is AML monitoring with explainable, audit-ready AI.
It is less suited for acquirers and PayFacs whose primary need is real-time merchant entity monitoring and automated bust-out fraud detection.
Best evaluated as an AML compliance tool that includes fraud detection capabilities rather than as a dedicated merchant fraud platform.
Sift is a fraud detection platform originally built for eCommerce and digital businesses, with a product suite covering account defense, payment protection, and dispute management.
The platform uses machine learning trained on a large network of connected businesses to assess transaction and account risk in real-time.
Sift is widely used by online retailers, marketplaces, and digital service companies that need fraud protection across customer accounts, checkout, and payment flows.
As a merchant fraud detection platform, Sift is most relevant for digital businesses where the merchant fraud risk is primarily at the payment and account level: fraudulent buyers, stolen card use, and dispute abuse; rather than acquirer-level merchant monitoring for bust-out fraud or transaction laundering.
For eCommerce and digital marketplace businesses, Sift's combination of account defense, payment protection, and integrated dispute management covers the fraud surface from registration through to chargeback response – reducing the number of separate tools a digital business needs to manage.
Its network effect from connected digital businesses and integrated dispute management differentiates it from pure transaction scoring tools.
Sift uses usage-based pricing structured around transaction volume, specific modules required, and frequency of platform use. No public pricing tiers are listed.
Contact Sift's sales team for a volume-based quote.
Sift is a strong and well-established choice for eCommerce businesses and digital platforms which need account defense, payment protection and dispute management in a single system. It is, though, less relevant for acquirers and PayFacs whose primary exposure is merchant-initiated bust-out fraud and transaction laundering.
Organizations looking for dedicated acquirer-side merchant fraud detection should evaluate tools with deeper entity-level merchant behavioral analysis.
NICE Actimize is a comprehensive financial crime technology suite serving large banks and financial institutions globally. The platform covers fraud detection, AML compliance, and financial crime analytics in a modular system with both cloud and on-premises deployment options.
The software application is positioned at the enterprise end of the merchant fraud detection platforms market, with deployments at major global banks, payment companies, and financial institutions in regulated environments.
At its core, NICE Actimize covers everything from real-time transaction fraud to complex AML transaction monitoring, sanctions screening, and case management.
For organizations that need a single vendor covering the full spectrum of financial crime prevention, NICE Actimize provides the integration depth that specialized standalone tools cannot match.
NICE Actimize is one of the strongest options among merchant fraud detection platforms for large institutions that need a full financial crime technology suite with proven enterprise deployment credentials.
Its depth of coverage and deployment flexibility make it a credible choice for organizations with complex regulatory environments.
NICE Actimize follows a custom modular pricing model based on the specific solutions selected and transaction scale. Contact NICE Actimize directly for a quote.
NICE Actimize is the right choice for large enterprise financial institutions that need a comprehensive financial crime suite covering fraud, AML, and compliance in a single integrated platform with proven regulatory credentials.
It is not practical for smaller payment companies, emerging fintechs, or organizations that need rapid deployment.
For dedicated merchant fraud monitoring at acquirer scale with fast integration, specialized tools like Fraudio are more appropriate.
Featurespace is an enterprise-focused AI company known for its ARIC Risk Hub, which uses Adaptive Behavioral Analytics to detect fraud and manage financial crime risk.
The platform is deployed at more than 70 major financial institutions including HSBC, NatWest, and Worldpay. Featurespace is consistently recognized as an AI powerhouse in enterprise fraud detection, with deep relationships at tier-one banks and strong analyst recognition from Gartner and Forrester.
As a merchant fraud detection platform, Featurespace's adaptive behavioral analytics approach is designed to detect anomalies in real-time across transaction streams, making it capable of merchant fraud detection alongside its core payment fraud use cases.
Its enterprise positioning means it is primarily deployed at institutions with significant procurement requirements and integration timelines.
Featurespace's self-learning ARIC architecture addresses the core limitation of static ML models: the lag between a new fraud pattern emerging and the model detecting it. For tier-one banks at Worldpay or HSBC scale, continuous adaptation without manual retraining cycles is a genuine operational advantage.
Its ARIC Risk Hub's self-learning architecture addresses the core limitation of static ML models that require periodic retraining to keep pace with evolving fraud patterns.
Featurespace uses custom enterprise pricing based on transaction volume, accounts monitored, modules deployed, and customization level.
Monthly, annual, or bespoke pricing options are available through direct engagement with their sales team.
Featurespace is the right choice for tier-one banks and large payment processors that need enterprise-grade adaptive AI with proven scale and analyst recognition.
It is not accessible or appropriate for smaller payment companies, emerging fintechs, or organizations that need rapid deployment and flexible pricing.
The platform’s siloed AI architecture also limits the network-effect benefits that centralized platforms like Fraudio provide.
BioCatch is a behavioral biometrics company that uses cognitive analytics to detect fraud through how users interact with their devices.
By analyzing patterns like typing speed, mouse movement, device handling, and navigation behavior, BioCatch creates individual cognitive profiles that detect when a legitimate user's account is being accessed by someone else, or when the user themselves is being manipulated through social engineering.
As a merchant fraud detection platform, BioCatch is most relevant for fraud vectors where behavioral authentication is the primary detection mechanism: account takeover, APP fraud, and social engineering scams.
It is less directly applicable to acquirer-level merchant entity monitoring for bust-out fraud or transaction laundering, making it a specialized component of a broader fraud stack rather than a standalone merchant fraud solution.
BioCatch adds a detection layer that transaction-only fraud platforms structurally cannot replicate: passive behavioral authentication that identifies when a legitimate user is being manipulated by a scammer, before the payment is made rather than after.
For financial institutions where social engineering and APP fraud are significant loss drivers, BioCatch's passive behavioral authentication approach addresses a gap that traditional rule-based or transaction scoring systems miss.
BioCatch follows a custom enterprise pricing model based on the number of accounts monitored, deployment scope, and product modules selected.
Contact their team directly for a tailored quote.
BioCatch is the right choice for banks and large financial institutions that need behavioral biometrics as a fraud detection layer, particularly for account takeover and APP fraud prevention.
It is not a standalone solution for acquirers or PayFacs whose primary exposure is merchant-initiated bust-out fraud.
For those organizations, BioCatch is best evaluated as a complementary behavioral authentication layer alongside a dedicated merchant fraud detection platform rather than as a replacement for core transaction monitoring.
The biggest difference between fraud platforms is whether they look at individual transactions or the merchant's entire history.
While transaction-level scoring catches fraudulent payments, it misses the signs of merchant fraud, like a business spiking its volume before disappearing or seeing its dispute rates climb. Entity-level analysis tracks money flows, dispute rates, and behavioral changes over time.
This approach is what separates dedicated merchant fraud tools from basic transaction scoring systems.
The integration timeline is a practical constraint that eliminates many merchant fraud detection platforms before the feature evaluation even begins. If a payment facilitator is experiencing an active fraud spike, a 5–14 month enterprise integration timeline is not a viable option.
Before shortlisting platforms, confirm the realistic time from contract signature to live deployment on production systems.
Platforms like Fraudio that integrate in 3–14 days via API, webhook, or batch processing give organizations options that long-cycle enterprise deployments cannot match.
Most AI-based merchant fraud detection platforms train machine learning models on each customer's isolated transaction data.
A newly onboarded customer starts with limited model accuracy that improves over months as the model trains on their specific data.
Our patented centralized AI architecture trains on billions of transactions across all connected customers – meaning a newly onboarded organization benefits from full network intelligence from the first transaction processed, with no months-long model ramp-up period.
This architectural difference has a direct impact on day-one detection accuracy.
The published or quoted price per transaction is only part of the cost picture for best platforms for detecting merchant fraud.
Setup fees, implementation fees, mandatory consulting charges, per-rule pricing, and annual maintenance fees can significantly increase total cost of ownership compared to the headline quote.
Platforms with no setup fees, no hidden charges, and usage-based pricing that scales down with volume provide more predictable costs and better alignment between vendor incentives and customer growth.
For payment companies operating in the Middle East, Asia, or other regions with strict data residency laws, the ability to deploy in local infrastructure is not optional – it is a regulatory requirement.
Many merchant fraud detection platforms lack the proven deployment capability in restricted territories like KSA, UAE, India, or Indonesia.
Before advancing an evaluation, confirm that the vendor has live deployments in your required regions and can meet your data residency obligations within your timeline.
Most merchant fraud detection platforms catch fraud after chargebacks arrive. Fraudio catches it three weeks earlier.
Our Merchant Initiated Fraud Detection product uses entity-level behavioral analysis and patented centralized AI – trained on billions of transactions across the entire Fraudio network. to flag fraudulent merchants before settlement is paid out.
Three-tier alerts give fraud teams a clear action queue: automate merchant blocking for the highest-confidence cases, withhold settlement while investigating moderate-risk merchants, and monitor borderline cases before investigation begins.
There are no setup or implementation fees, with integration in 3–14 days. With usage-based pricing that decreases as volume grows, ours is the strongest dedicated merchant fraud detection platform for payment companies at any stage of growth.
If you’re looking for a dedicated solution that works from Day 1 - without taking months for model ramp-up, Fraudio is the best option.
Request a ‘Proof of Results’ test by submitting your actual transaction data and receive a direct comparison against your current fraud detection setup – no commitment required.
The best merchant fraud detection platform in 2026 for acquirers and payment facilitators is Fraudio, which delivers entity-level merchant behavioral analysis, patented centralized AI trained on 2 billion transactions, and integration in 3-14 days with no setup fees. Having helped clients like Viva Wallet - we work on a usage-based pricing model where the cost decreases as volume grows.
When picking the right merchant fraud detection platform, there are four main things to look at. First, check if it handles entity-level merchant analysis or just basic transaction-level scoring. Second, look at how long it really takes to get up and running after you sign the contract. Third, consider the AI setup: does it learn from a network of data, or is it stuck training only on your own isolated information? Finally, look at the full cost of ownership, including any setup, implementation, or maintenance fees. If you operate in restricted areas, make sure the platform can handle your specific data residency needs, too.
Fraudio stands out from other merchant fraud detection platforms thanks to our patented AI that learns from billions of transactions across all our customers. Unlike tools that only learn from your own isolated data, our network approach means you get accurate detection from day one without any long training periods. We also focus on entity-level behavioral analysis rather than just looking at single transactions. This helps us spot issues like bust-out fraud, transaction laundering, and card testing weeks before the chargebacks hit. As a result, companies like Viva Wallet saw an 8x return on investment, a 600% boost in team efficiency, and caught fraud three weeks earlier than before.
Getting started with Fraudio begins with a discovery conversation to scope your transaction volumes, fraud use cases, and integration environment. From there, we can run a Proof of Results test using your historical transaction data, which generates accurate detection results with minimal effort from your team and no commercial commitment. Technical integration connects via API, webhook, or batch processing within 3–14 days.
Switching from other merchant fraud detection platforms to Fraudio is low-friction. If you are currently under contract elsewhere, we can run a Proof of Results test in parallel using your historical data to prove the value without requiring double-commitment. If your renewal is coming up, we offer flexible terms with up to six months of contract freezing to help with the timing. Plus, our technical integration is fast, typically taking just 3 to 14 days.
Yes – Fraudio offers both: a dedicated merchant fraud detection solution and an integrated anti-money laundering platform within the same system. Our AML product combines rules-based controls with AI-driven modeling and includes full case management, SAR reporting format downloads, and complete audit trail capabilities. Running merchant fraud detection and AML compliance on the same platform eliminates the data silos between fraud and compliance teams and reduces the vendor management overhead of maintaining separate systems.
Leading merchant fraud detection platforms for acquirers are designed to spot several specific schemes. They identify bust-out fraud, where merchants process false volume to collect settlements before disappearing. They uncover transaction laundering, which disguises illegal sales as legitimate business. They also catch card testing, where accounts are used to validate stolen payment data, and coordinated attacks involving networks of fake merchants. Fraudio addresses all these threats through entity-level behavioral analysis, peer comparisons, and AI trained on billions of global transactions.
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