Fraud Management
E-commerce · €1,240Decline
Wallet · €86Review
POS · €24Approve
Value Added Services
Everything around the transaction
Fraud, operations, authentication, loyalty, analytics, support and advice, wrapped around your issuing and acquiring.
Managed or licensedIn-store, online, mobileAPI-first integration
Illustrative
3-D Secure
Fraud
Back office
Analytics
Support
Loyalty
Bills
Consulting
Eight services
One layer, eight services
Take one or all of them, managed or licensed.
3-D Secure
ACS
FrictionlessChallenge
Back-Office Operations
48,210Ingested
48,193Matched
17Exceptions
T+1Settlement
Loyalty & Rewards
Points balance12,480
Gold tier1,760 pts to Platinum
Bill Payments & Top-ups
Electricity
Water
Internet
Mobile top-up
Government fees
Education
Analytics & Reporting
Approval rate94.2%
Open disputes41
Contact Center
1Block or replace card2Balance and recent payments
3Activate card or reset PIN4Report a disputed payment
0Speak to an agent, with full context passed on
Consulting Services
AssessDesignImplementOptimise
Fraud Management
Stop fraud before it settles
Toggle rules, move the thresholds, watch the score. Illustrative weights.
Interactive demo · illustrative scores
- Velocity > 5 in 10 min+22
- New device (< 24 h)+18
- Card / IP country mismatch+15
- High-risk merchant+10
- Amount > 3× average+14
- ML model score+12
Amount€1,240.00
ChannelE-commerce
Merchant categoryConsumer electronics
DeviceFirst seen today
Risk score
0
050100
Fraud decision flow
From event to decision
Operating model
Choose how you run it
Switch models to see who runs what.
PayNRoute
Your organisation
- Day-to-day operation
- PayNRoute teamsYour teamsShared, agreed per service
- Infrastructure
- Hosted by PayNRouteYour cloud or data centreEither, per component
Commercial model
Operating expense, usage-basedLicence plus supportA mix of both
Add the services around your payments
Tell us about your programme. We will map the services, model and integration that fit.