Real-Time Payments Fraud

Real-Time Payments Fraud Prevention

Protect instant payments from fraud in under 50ms, without slowing transactions or disrupting customer experience.

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Speed Creates New Fraud Risk

Instant payments are reshaping the financial landscape, driven by regulation and customer demand. Once funds move in real time, they cannot be recovered. This exposes banks and payment providers to:

  • Authorized Push Payment (APP) fraud
  • Payment scams and social engineering
  • Complex, fast-moving fraud schemes

Fraud prevention must now operate before settlement, at real-time speed, while remaining secure and compliant.

Real-Time Fraud Decisions Without Slowing Payments

Vyntra analyzes every instant payment in real time, combining advanced analytics, AI-driven profiling, and behavioral signals to stop fraud before settlement, without compromising speed or customer experience.

Key benefits

Block Fraud Before Settlement

Prevent real-time payment fraud using pre-built AI models designed for instant payment rails.

Meet Execution-Time Requirements

Maintain regulatory compliance with performance-oriented architecture built for real-time decisioning.

Reduce False Positives and Customer Friction

Protect customers without unnecessary payment interruptions or delays.

Adopt Instant Payments with Confidence

Mitigate fraud risk as transaction volumes grow and payment behavior evolves.

50ms

Response time

100+

Transactions per second

Core capabilities

Real-Time Fraud Prevention by Design

A dedicated architecture guarantees speed and scalability required for modern payment systems, ensuring seamless integration into your payment workflows and compliance with execution time requirements.

AI-Powered Adaptability

Advanced AI models and pattern-based intelligence evolve with new real-time payment fraud and scam techniques. An active sampling of hits integrates human feedback with minimal effort, ensuring accurate, future-proof fraud prevention.

Maintain Full Control Over KPIs

Dynamic dashboards deliver real-time insights into hit rates, rejected payments, fraud trends, and transaction volumes. They break down instant and real-time payments versus other transaction types, enabling precise monitoring and rapid adjustments to meet fraud risk goals.

Adapt to Threats and Build Trust

The analytics prevents sophisticated real-time payment fraud schemes, including multi-payment and scam-driven attacks, while minimizing false positives. This safeguards customer confidence, enhances your reputation, and supports operational efficiency even as transaction volumes grow.

Fraud threats commonly observed in real-time payment environments

Authorized Push Payments (APP)

Account Take Over

Hybrid Attacks (Social Engineering + Malware)

Smurfing and Micro-Transaction Fraud

Phishing and Smishing Scams

Session Hijacking

One solution, two deployment options

 

On premise – Flexibility to manage and customize Vyntra solution in-house.
Cloud – Enjoy the benefits of Vyntra’s fraud prevention solution without internal overhead.

 

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