We have merged with another of the world’s leading issuer-processors, Paymentology, to form a new force in payments, united under the Paymentology name.
We now offer even more power, more reach, more possibility, and more ways for banks and fintechs to rapidly issue cards and new products, anywhere in the world, at scale.
Detect and prevent card fraud in real-time
Using layered, rich, interpretable data-analysis, delivered through ultra-fast, intra-spend full transaction analytics, delivered at point of spend.
Real control over your own rules
Define, detect and eliminate any potential fraud threats, by customising your own set of triggers through our AI-enhanced PayRule.AI Engine.
Meaningful real-time analytics
Every transaction is analysed, in real-time, using our proprietary wide-data arrays; designed to enable high-speed card-transaction history retrieval, all at point of spend.
Auto-decline on high-alert triggers
PayRule.AI operates prior to a final authorisation decision being made. This allows potential card fraud to be stopped, prior to any funds leaving an account.
We're able to deeply analyse cardholder transaction patterns and spend behaviours, which means we can pick up suspicious activity before it happens. Our decision engine functions prior to the final authorisation decision, allowing for fraud to be stopped before funds leave an account.
Speed is power
Being first comes down to speed. Unlike legacy systems' historical struggles with real-time transaction-history analytics, we excel at providing the fastest and most useful data, immediately available at POS. This lets our clients make the right decisions, when it actually matters.
Using Active FAST Feed, when our clients opt to make the final approve/decline decision, they do so fully informed, as their rule alerts – and actions pertaining to those rules – are provided in the full, parsed-through, enriched message.
Better experiences mean
Having robust fraud-prevention, in combination with advanced real-time analytics, has a significant impact on your customers’ experience, satisfaction-levels, and loyalty. It also significantly minimises chargebacks.
Our advanced, adaptive-learning decision engine – PayRule.AI – is unmatched in its ability to update and fine-tune rules, on a per-customer basis, even at point of spend. This greatly enhances fraud protection, whilst both minimising false positives and maximising protection.
If you still prefer to use a third-party fraud-protection system, our API gives you the flexibility to fully integrate, test, and implement any system of choice.
Protect your payments
We have the power to see and stop emerging threats from forming, even at authorisation level. Let's get started...