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Cost effectively stop fraud and abuse in online channels.

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1) Integration
Seamless integration via a real-time JSON API.


2) Aggregation
Device Binding, IP Intelligence, BIN Intelligence and Proxy Detection.


3) AI
Advanced real-time feature engineering and proprietary machine learning algorithms.


4) Rules
Advanced event decline and manual review rules, without programming.



Benefits

Reduce Debit and Credit Card Fraud Reduce Promotional Abuse Maintain Regulatory Compliance
Decline the most suspicious events in real-time while sending less suspicious events to Case Management for manual review, leading to a large reduction in Debit and Credit Card fraud. Find duplicate events then decline the allocation of promotional benefit in real-time. Silently identify events that are indicative of money laundering, sending the event to Case Management for discrete review and maintenance of regulatory compliance.

Pricing

 
Startup
Free
Growth
$399
Enterprise
$999
Monthly Monthly Monthly
Included Events 35k Daily 105k Daily 333k Daily
Events Overage $6.40 /1000 events $3.20 /1000 events $1.60 /1000 events
Memory Cache Retention 7 Days 30 Days 90 Days
Included Memory Cache 5 GB 15 GB 45 GB
Memory Cache Overage $16 Per GB $8 Per GB $4 Per GB
Included Archive Retention 9 Months 2 Years 6 Years
Included Archive Storage 5 GB 15 GB 45 GB
Archive Storage Overage $8.00 Per GB $4.00 Per GB $2.00 Per GB
Included Professional Services Knowledge Base Only 1 Hour 3 Hours
SLA 24 Hours 4 Hours 1 Hour
Users 1 5 Unlimited
Transaction Processing Priority Below Normal Normal Above Normal
Basic Rules Smiley face Smiley face Smiley face
Template Abstractions (e.g. Velocity) Smiley face Smiley face Smiley face
Real Time Activation Watcher Smiley face Smiley face Smiley face
Allow \ Deny Lists Smiley face Smiley face Smiley face
IP Intelligence Smiley face Smiley face Smiley face
Billing Reports Smiley face Smiley face Smiley face
BIN Intelligence Smiley face Smiley face Smiley face
Roles Smiley face Smiley face Smiley face
Web Device Fingerprinting Smiley face Smiley face Smiley face
Case Management Smiley face Smiley face Smiley face
Custom Abstractions (e.g. Velocity) Smiley face Smiley face Smiley face
Rule Match Reports Smiley face Smiley face Smiley face
Abstraction Ratio Rules Smiley face Smiley face Smiley face
Maker Checker Activation Rules Smiley face Smiley face Smiley face
Exhaustive Machine Learning Smiley face Smiley face Smiley face
Inline Scripting in Net Smiley face Smiley face Smiley face
Outbound Integrations Smiley face Smiley face Smiley face
Time To Live Counters Smiley face Smiley face Smiley face
Behaviour Abstraction Deviation Rules Smiley face Smiley face Smiley face
Reporting and Visualisation Smiley face Smiley face Smiley face
Proxy Lookup and Detection Smiley face Smiley face Smiley face

Features

  • Rules
  • Billing
  • Case Management
  • Security
  • AI
Create rules for feature engineeing and activation, without programming, that capture high-risk behaviours such as:
  • High Risk Locations.
  • Time Zone Mismatch.
  • Grey List.
  • Shipping and Billing Address Mismatch.
  • Velocity and Volume Thresholds.
  • IP Location and Address Mismatch.
  • Duplicate Device.
  • Duplicate IP and User Agent.
  • Proxy or TOR.
  • Disposable Email.
  • BIN Location and Address Mismatch.
  • Jail Break and Root Kit Use.
  • High Risk IP Locations and ISP's.
Pay for only what is used. Get unique billing insights and maintain unrivalled control. Decide when to convineiently deposit into your Fraudly.io account with a credit or debit card. Cancel or request balance refund at anytime:
  • Real Time Account Balance.
  • Number of Response Elevations Greater than Zero (i.e. Declined) over Time.
  • Number and Total Amount Spent over Time.
  • Number and Total Amount Tagged.
  • Full Account Transaction Journal.
  • VAT Accounting and Invoicing.
Manage your suspicious accounts with Case Management which includes functionality such as:
  • Search for and lock cases.
  • View the rules that caused the case to be created.
  • View all other activity relating to the account.
  • Add memos.
  • View all previous, and closed, cases for the account.
  • View all events relating to all cases for the account (such as when the case was last closed).
  • Upload documents in support of case resolution.
  • Set diary dates for future review.
  • Set a Case quality score.
  • Allocate Cases to other users.
  • Close cases.
  • Unlock cases, making them available for other users.
  • Update cases outcome status.
  • Reallocate case workflow for escalation.
  • Auto review the next available case upon completion of a case.
Control what users can access what resources via a comprehensive user \ role-based security model:
  • Every resource available has a security permission.
  • Create roles which contain security permissions.
  • Allocate users to roles.
  • Audit users accessing resources.
  • Track failed and successful logins.
By tagging suspicious events, AI will predict the likelihood of subsequent events matching that pattern. Furthermore, prescriptive analytics will explain exactly what features are common amoung suspicious events:
  • Integrate Tagging into your software via API.
  • Training algorithms will automatically search for the most appropriate AI topology and feature combination.
  • Monte Carlo simulation will perform millions of random simulations through the AI, capturing the most likely scenario causing fraud and creating summary statistics to explain it.
  • AI is automatically recallable real-time and available to rules.

Integration

Integration is a HTTP JSON POST Request to the url shown in your account. If the 200 HTTP JSON Response "ResponseElevation" element is greater than zero, the transaction is declined.

If the HTTP Response is not 200 or the body does not pass a JSON parse, then it can be inffered that there has been an error and the transaction should continue unhindered.

  • Request
  • Response
  • Error
{ "Event":{ "EventID":"0987654321", "EventDateTime":"28-JUN-2017 20:10:00", "Currency":"826", "ResponseID":"1", "CurrencyAmount":"123.45", "SettlementAmount":"100000", "AccountCurrency":"566", "IP":"123.456.789.200", "DeviceID":"OlaRoseGoldPhone6", "ChannelID":"1", "DeviceAppVersion":"12.34", "DeviceServiceID":"DID", "DeviceSystem":"Android", "DeviceBrand":"ZTE", "DeviceModel":"Barby", "TxnExternalResponseRef":"3", "TxnExternalRef":"TheTransactionRef", "AccountExternalRef":"TheCustomerAccountRefUserName", "ToAccountID":"11111", "ClientID":"1234", "SubProgramID":"3", "BIN":"477596", "PANToken":"hjkhkjhsjk5177jkjd", "MCC":"7995", "MerchantID":"12345678", "PaymentMethodID":"2", "SourceID":"2", "AcquirerReferenceID":"ARN12345678", "AcquirerID":"1223444", "AddressVerificationResponseID":"Address Mismatch", "AdjustToleranceAmount":"0.20", "AddressVerificationID":"1", "DirectAccessID":"DD22222", "MatchStatusID":"1", "MatchTypeID":"1", "MerchantPostcode":"2231-99", "MerchantCity":"Malaga", "MerchantAlphaCountryCode":"ES", "POSEntryID":"01", "WalletExternalRef":"Wallet1", "RetrievalRefID":"99187726116", "Reversed":"False", "TerminalID":"1234567", "FirstName":"This", "LastName":"Hashed", "Email":"this.will@be.hashed", "AddressLine1":"1 Tiger Way", "AddressLine2":"Pride Park", "City":"Derby", "Postcode":"DE99 7GG", "Longitude":"1222.3", "Latitude":"1222.3", "DeviceOS":"Lollypop", "DeviceResolution":"720*1280", "DebuggerAttached":"True", "DeviceSimulatorAttached":"True", "DeviceJailbreak":"True", "DeviceMAC":"94:23:44f:2:d3", "ToAccountExternalRef":"Jony", "TwoFATypeID":"SMS", "TwoFAResponseID":"1", "Storage":"True", "FingerprintHash":"jhjkhjkhsjh2hjhjkhj2k" } }
{ "Event":{ "ResponseElevation":"11" } }
Balance is less than the threshold cutoff. Please top up your account.



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