Payments Fraud

Industry-proven machine learning and AI for payments fraud protection across all channels.

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Paying with mobile device

Money is moving fast, and consumers need the assurance their payments are safe

Payments fraud is a relentless problem — you stop one fraud attack but another starts as fraudsters agilely reinvent, looking for the weakest link across channels and lines of business. Enterprise fraud management with industry-proven AI models is essential for continuous, contextual, and real-time payments fraud protection.

Fraud finds its way into all payment channels — new and old

Protect all the payment channels with contextual machine learning and AI that intuitively classifies legitimate and fraudulent financial transactions while recognizing the individual consumer behavior preferences for a convenient and secure experience. Payment types susceptible to fraud include:

Real-Time / Instant Payment Schemes

UK Faster Payments, SEPA Credit Transfer, Brazil’s PIX

Person to Person (P2P)

Venmo, Dwolla, Zelle

Mobile Wallets

Apple Pay, Google Pay, Android Pay

Payment Cards

Credit, Debit, Prepaid, Commercial

Online Banking

ACH, Direct Debit, Bank Transfer


SWIFT, Federal Reserve Wire Network, Clearing House Interbank Payments System


FICO solutions offers a wide range of capabilities, empowering you to make smarter, personalized decisions, streamline operations, and improve the customer experience.

From the FICO Blog

June 26, 2018

Instant Payments Mean Real-Time Payments Fraud

The global adoption of real-time payments schemes, alongside the problems suffered by early adopters, has turned the focus to real-time payments fraud.
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Infographic: Payment Fraud, Then and Now

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When Is a Real-Time Payment Not a Real-Time Payment?

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New Analytics for Real-Time Payments Fraud

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