Finchecker
Transaction Monitoring

Real-Time Transaction Monitoring & Anti-Fraud for A2A Payments

  • CASPs
  • Issuing Banks
  • PSP/ EMI
  • Forex

Stop fraudulent transfers before money leaves the account. Finchecker analyzes transaction risk in real time to block unauthorized SEPA, ACH, and Faster Payments before settlement—with up to 60% fewer false positives.

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  • 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
15‑min walkthrough

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:

  1. Which suspicious transactions currently settle before detection
  2. What losses you could prevent with in‑flow blocking
  3. How much manual investigation time real‑time scoring could save

No generic numbers.

Just a personalised assessment — before you commit.

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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.

A corporate account sends a series of rapid, high‑value payments to a jurisdiction on the FATF grey list. The AML transaction monitoring software spots the pattern deviation in real time, freezes the outgoing payment, and serves the client a structured inquiry about purpose and beneficiary — including source of funds details. Once the response is validated against sanctions and adverse media, the payment is released — all within minutes. Built‑in logic helps reduce false positives in AML, so compliance officers only see a closed, documented alert in the regulatory screening software. What else with Transaction Monitoring AML: Teams extend protection by adding [Card Anti-Fraud ](https://finchecker.eu/services/card-fraud)to monitor card transactions with the same real‑time risk logic — covering both account‑based and card‑based payments without separate tools. Combine with other Finchecker tools to close compliance gaps.

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.

Don’t let another account‑based transfer settle as fraud.

Support account‑based payments with real‑time screening, in‑flow blocking, and regulator‑ready audit evidence.

Book a Demo

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.