Finchecker
Card Anti-Fraud

Stop card fraud during authorisation without increasing payment friction.

  • PSP/ EMI
  • Acquirers
  • Issuing Banks
  • High‑Risk merchants
  • Forex
  • Crypto

Detect CNP fraud, card testing, and social engineering in real time. Evaluate risk during authorisation, reduce chargebacks, and maintain scheme‑ready decision evidence.

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  • In‑flow authorisation (<100ms)
  • Block before settlement
  • Audit‑ready
  • High availability

Built for issuer processors, gateways, acquirers, and 3‑DS environments. Supports Visa, Mastercard, and local card schemes.

Fraud happens during authorisation — not after chargeback.

Card fraud evolves in milliseconds. CNP attacks, card testing, and payment manipulation often pass approval flows before operational teams detect abnormal behaviour.

  • Post‑factum detection

    Most fraud systems identify suspicious behaviour only after settlement, when chargebacks and operational losses already exist.

  • Manual review overload

    Analysts investigate excessive transaction noise while high‑risk card activity continues through approval workflows.

  • Scheme exposure risk

    Delayed fraud response increases chargeback ratios, operational losses, and potential scheme or regulatory penalties.

Fraud prevention only works if decisions happen during authorisation.

Finchecker evaluates transaction risk in real time before issuer approval is finalised. Institutions can block, challenge, or escalate suspicious activity before settlement exposure occurs.

The difference: Built for card payment environments using BIN intelligence, 3‑DS outcomes, token analysis, velocity monitoring, and configurable approval logic.

Finchecker

  • In‑flow authorisation scoring
  • Block before settlement occurs
  • Explainable decision evidence

The usual solution

  • Fraud detected after settlement
  • Chargebacks become recovery tool
  • Manual fraud investigation overload
15‑min walkthrough

Estimate your potential fraud reduction impact

During the assessment, we simulate your transaction flow and identify which fraudulent payments currently authorise before becoming chargebacks.

We show you:

  1. Review fraud exposure in live flows
  2. Estimate preventable chargeback losses
  3. Reduce manual review workload

No assumptions. No generic numbers.

Just a personalised assessment — before you commit.

Book assessment

What card antifraud includes

  • Real‑time risk scoring

    Evaluate card transactions in real time using velocity analysis, BIN intelligence, device fingerprinting, and behavioural fraud signals before approval finalisation.

  • Score suspicious behaviour <100ms

    Score suspicious transaction behaviour in under 100ms with explainable decision logic and configurable approval thresholds.

  • Alert prioritisation

    High‑risk matches are surfaced first, automatically reducing time spent on irrelevant alerts and speeding up case triage.

  • Immutable audit trail

    Store all transaction decisions, overrides, scoring logic, and rule history for full auditability and scheme reporting.

How fraud decisions work in practice

How fraud decisions work in practice

Card transaction data enters the authorisation flow. Finchecker evaluates behavioural, BIN, velocity, authentication, and device signals in under 100 milliseconds. A risk score is returned instantly so teams can approve, decline, or trigger step‑up verification before settlement.

Estimate your potential impact

Across card payment environments

Testimonial

“Finchecker helped a Tier‑2 European acquirer reduce fraud exposure by controlling not just transactions, but merchant‑level behaviour across multiple payment rails — achieving 60%+ reduction in fraud losses through real‑time ecosystem‑level controls.”

— Case study available upon request

Up to 60%

chargeback reduction

<100ms

real‑time scoring latency

PSP/ EMI

Challenge

Fraud + scheme risk + merchant behaviour.

Solution

Unified control layer

Issuing Banks

Challenge

Account misuse + social engineering

Solution

Real‑time scoring + step‑up

Acquirers

Challenge

Card testing + payout abuse

Solution

Adaptive limits + payout control

Stop fraudulent card transactions before they become chargebacks.

Join PSPs, banks, and crypto platforms using Finchecker’s hybrid engine to keep customers happy and compliance confident.

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Frequently asked questions

  • Where does Finchecker sit in the authorisation flow?
    Inline. We score each transaction in under 100ms before issuer approval is finalised so teams can approve, decline, or trigger step‑up before settlement.
  • Can approval logic be customised?
    Yes — thresholds, velocity rules, BIN policies, and step‑up triggers are configurable per merchant and per payment rail.
  • Does it integrate with our 3‑DS provider?
    Yes, Finchecker consumes 3‑DS outcomes alongside its own signals to produce explainable risk decisions.