Generic rules punish your SMB merchants. Fraudhalo builds per-merchant baselines so you stop actual fraud — card-testing bursts, bust-out schemes — without blocking a landscaping company's busy Saturday.
Six detection and documentation capabilities narrow-scoped to the transaction volumes and merchant patterns that define independent payment facilitators.
Sub-40ms risk decisions within the card authorization window
Every transaction event triggers a live scoring pass that evaluates BIN risk tier, merchant category deviation, session velocity, and device fingerprint consistency. The decision arrives at the gateway before the issuer responds, so the processor can act on Fraudhalo's signal without adding latency to the payment flow.
Identify card-testing bursts before chargebacks accumulate
Card-testing attacks look like normal low-value traffic until chargebacks arrive weeks later. Fraudhalo's velocity-burst detector identifies the characteristic cadence of testing sequences in real time: rapid fire from a single IP range, BIN sequence clustering, and merchant-level authorization pattern spikes that deviate from the merchant's own baseline.
Surface merchant portfolios drifting toward bust-out behavior patterns
Fraudhalo's cohort model tracks merchant-level behavioral drift over 14-day rolling windows — gradual ticket-size escalation, new geographic spread, and unusual refund ratios — and surfaces at-risk merchant IDs to the processor's risk operations team before the fraudulent event, not after.
Cut wrongful declines by recalibrating rules against merchant-specific baselines
Generic rules treat a landscaping company in Decatur the same as a recurring SaaS subscription in midtown. Fraudhalo builds per-merchant transaction baselines covering typical ticket sizes, peak hours, customer return rates, and geographic spread. Processors report material reductions in dispute-driven merchant attrition within 60 days.
Auto-generate response documentation for Visa and Mastercard disputes
Every transaction Fraudhalo scores generates a structured decision record capturing the risk signals, model version, and decision timestamp. When a chargeback arrives, the processor retrieves the corresponding record via a single API call in the format required by Visa Dispute Resolution and Mastercard Dispute Resolution processes.
Operational visibility into fraud trends, model performance, and portfolio health
Risk operations teams access a dashboard showing real-time fraud rate by merchant segment, model approval and decline volumes, false-positive rate trend, and active card-testing or bust-out watchlist alerts. Threshold-based alerting sends email or webhook notification when a monitored metric crosses a configurable boundary.
