Stop fraud at the
transaction layer.
Fraudhalo scores every transaction in under 80ms — flagging card testing, account takeover, and synthetic identity fraud before the payment clears. Built for payment processors, neobanks, and BNPL providers.
Detection Coverage
Four fraud vectors. One API.
Every attack type requires distinct detection signals. Fraudhalo covers the four vectors that matter most to payment processors, neobanks, and BNPL providers.
Card Testing
High-velocity BIN probes and small-dollar rapid-sequence transactions detected through velocity and device fingerprint clustering.
Learn moreAccount Takeover
Credential stuffing, session behavior anomalies, location velocity changes, and device substitution patterns flagged in real time.
Learn moreSynthetic Identity
Name-SSN mismatch patterns, thin credit file indicators, address velocity, and identity graph inconsistencies surfaced at origination.
Learn moreBNPL Fraud
Bust-out patterns, loan stacking across providers, synthetic identity origination, and refund abuse detected before exposure mounts.
Learn moreHow It Works
From transaction event to fraud decision.
A single API call returns a fraud score, a decision, and the top signals that drove it — all in under 80ms.
Ingest
Transaction data hits the Fraudhalo API in a single POST call. No card data stored — tokenized or hashed identifiers only.
POST /v1/score
# amount, card_hash, ip, device_idScore
40+ signals analyzed in real time: velocity patterns, behavioral graph edges, device fingerprint, identity linkage across accounts.
# Signals extracted
velocity_15m: 14
device_risk: "medium"Decide
Response includes a fraud score (0–100), a decision (allow / review / block), and the top 3 contributing signals.
score: 82
decision: "block"
signals: ["velocity_15m",
"device_match"]Connects with your existing payment stack.
Pre-built connectors for the platforms your engineering team already uses.
Pilot Feedback
What risk teams say.
The false positive rate on our card-not-present flow dropped from 9% to under 3% within two weeks of going live. That alone justifies the integration effort.
We process 200K transactions per second at peak. The sub-80ms latency was the non-negotiable. Fraudhalo hit p99 at 68ms in load testing — that's the number that cleared the engineering review.
The model card convinced our compliance team. Being able to show regulators exactly which features drove a block decision — with the top three signals returned per call — is a real differentiator at our scale.
Security & Data Handling
Designed for card-adjacent environments.
Fraudhalo operates outside PCI DSS cardholder data environment scope by design. We score transactions, not store card numbers.
Fraudhalo does not store raw PAN data. Transaction scoring uses tokenized or hashed identifiers. View our security page
Talk to our risk team.
We are working with a small group of payment processors and fintechs to deploy the detection layer in production. If you process more than 50,000 transactions per day, let us talk.
Request a Pilot