Stop fraudulent transfers before money leaves the account.
CASPs
Issuing Banks
PSP/ EMI
Forex
Real‑time decisions that block unauthorised SEPA, ACH, and Faster Payments before settlement.
- Audit‑ready
- In‑flow decisioning (<100ms)
- Regulator‑ready evidence
- High availability
Validated in instant payment environments.
The money is gone before you even know it’s fraud.
For account‑based payments: SEPA Instant, Faster Payments, and similar systems settle within seconds. Once funds leave the account, recovery is impossible. Traditional batch monitoring is useless here.
Transaction settles → money is gone
Funds leave the account before alerts arrive — no recovery is possible.
Alert arrives → no action possible
Batch and near‑real‑time monitoring tools flag transactions long after settlement.
Recovery → ≈ 0
Once funds leave an account‑based payment rail, chargeback and recall mechanisms don’t apply.
Fraud detection only matters if you can act before settlement.
In‑flow decisioning (<100ms) – risk assessment during the transaction. Block before settlement – stop unauthorised transfers before funds leave. Regulator‑ready evidence – clear proof for regulators (MiCA, DORA, EBA). Minimise false positives – without impacting legitimate account‑to‑account payments.
The difference: We don’t just detect fraud. We act on it before settlement.
Finchecker
- In‑flow detection (<100ms)
- Block before settlement
- Explainable decisions
- Actionable alerts
The usual solution
- Batch or near‑real‑time — often after settlement
- Flag after money is gone
- Black box — hard to defend
- Investigate instead of prevent
See what real‑time decisioning could save you — on your own data.
During the demo, we simulate your current account‑based payment flow and show:
We show you:
- Which suspicious transactions currently settle before detection
- What losses you could prevent with in‑flow blocking
- How much manual investigation time real‑time scoring could save
No generic numbers.
Just a personalised assessment — before you commit.
What A2A transaction includes
Detect → Score → Act
Detect suspicious account behaviour using velocity checks, anomaly detection, mule account signals, and payee risk indicators before settlement.
Real‑time risk scoring
Evaluate transaction risk in under 100ms with explainable scoring logic and configurable decision thresholds.
Account‑based payment screening
Monitor layering behaviour, blacklist exposure, behavioural anomalies, and suspicious transfer patterns in real time.
Immutable audit trail
Store every transaction decision, scoring event, override, and rule version for regulatory reporting and investigations.
Decision before settlement — not investigation after.
Decision before settlement — not investigation after.
Estimate your potential impact
Across real‑time account payment environments
Testimonial
“Finchecker helped a European PSP block fraudulent SEPA Instant transfers before settlement — reducing fraud losses by 60%+ through in‑flow blocking. Sub‑100ms decision latency. Production‑ready at scale.”
— Case study available upon request
Up to 60%
observed in pilots
Up to 70%
manual review reduction
PSP/ EMI
Challenge
Instant payment fraud irreversible. Margin loss from unauthorised transfers.
Solution
In‑flow blocking. Preserve UX, prevent loss.
Issuing Banks
Challenge
SEPA Instant, Faster Payments settle without recall. Regulator scrutiny.
Solution
Real‑time decisioning + regulator‑ready evidence.
CASPs
Challenge
Merchant settlement fraud, account‑based risk.
Solution
Sub‑second scoring + explainable decisions.
Frequently asked questions
Do you detect fraud before the transaction completes?
Yes — Finchecker scores transactions in under 100ms, so teams can block before settlement.How fast is it?
Sub‑100ms decision latency in production environments.Can you really block account‑based transactions in real time?
Yes — deployed inline with your core banking or PSP platform via API.