What’s inside?
In this playbook, you'll learn:
- How to design for sub-30ms risk decisioning
- How to increase decisioning depth without adding latency
- How to maintain a shared view of risk across payment rails
- How to prepare your fraud infrastructure for peak transaction volumes
- A practical 90-day framework and readiness checklist for evaluating your current infrastructure
Chapter 1
The Latency Mandate
Designing the transaction path around a sub 30ms risk decision
For payment infrastructure, fraud decisioning is part of the transaction path. A risk engine that takes hundreds of milliseconds to return a decision can become a material constraint on authorization performance, particularly when the same infrastructure needs to support multiple payment methods and rapidly changing traffic volumes.
The relevant question is therefore not whether an individual model can execute quickly. The question is whether the complete event to decision path can consistently return a decision within the required latency window.
A typical transaction may require an event to be received, normalized, enriched, associated with an entity, evaluated against historical and behavioral context, scored by multiple detection approaches, passed through decisioning logic, and returned to the payment system. Each stage consumes part of the available budget.
When these stages are designed independently, latency accumulates quickly.
Year-After-Year,
the Industry’s Choice
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