Real-Time Payment Fraud Prevention

Protect instant payments before funds move

DataVisor evaluates customer, beneficiary, device, behavioral, and network signals before funds move and returns a low-latency, full-context decision—so you can protect RTP and FedNow flows while minimizing unnecessary friction.

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Decisions in under 30 ms at 15,000+ queries per second.

Payment Types/Real-Time Payment Fraud
What You Can Accomplish

What you can accomplish with DataVisor

In-the-Moment Risk

Evaluate every risk dimension instantly

Assess payment, customer, beneficiary, device, behavioral, and network risk in the moment.

Broad Coverage

Identify scams, mules, and emerging patterns

Detect authorized scams, mule activity, account takeover, and new attack patterns.

Rapid Response

Respond within the payment window

Return rapid approve, hold, decline, warning, step-up, or review actions.

Layered Intelligence

Make low-latency decisions with full context

Real-time data orchestration, feature computation, rules, supervised and unsupervised machine learning, device and behavioral intelligence, Knowledge Graph, identity signals, and decision APIs operate in one path.

How It Works

From payment initiation to response in milliseconds

1

Receive the instant-payment event with customer, beneficiary, device, and transaction context.

2

Enrich the event and compute real-time features.

3

Evaluate rules, models, graph, device, and behavioral signals within the decision flow.

4

Return the response through the Detection API and send review or outcome updates through postback workflows.

Product Proof

Watch a live instant-payment decision

See an instant-payment event move from signal enrichment to decision response, with beneficiary and network context and the resulting intervention.

Instant payment
→
Enrichment
→
Decision response
→
Intervention
Explore a real-time payment decision flow.
Results

Decisions at the speed of instant payments

<30 ms
Decision latency
15,000+
Queries per second
One Real-Time Intelligence Path

Prevent fraud before settlement with real-time intelligence

DataVisor combines streaming and batch context, real-time feature computation, multiple detection layers, and decision orchestration in one intelligence path to support prevention before settlement.

Coverage

Protect every instant-payment flow

Instant-payment fraud RTP and FedNow flows Authorized push payment scams New-beneficiary risk Account takeover Mule receiving accounts Rapidly evolving coordinated attacks
Connected Platform

Connect instant rails to every layer of intelligence

Integrate instant-payment rails, core and payment systems, and APIs with dEdge, Identity & Risk Signals, Knowledge Graph, Rules & Features, machine learning, Real-Time Decisioning, Case Management, and postbacks.

Real-Time Decisioning → Device & Behavioral Intelligence → Knowledge Graph & Link Analysis → Identity & Risk Signals → Investigations & Case Management → Rules, Features & Workflows →
FAQ

Common questions

What is real-time payment fraud?

Real-time payment fraud is fraud or scam activity in instant-payment flows, where speed and irreversibility shorten the window to intervene.

How fast does DataVisor make decisions?

DataVisor returns low-latency decisions before funds move. Exact latency and throughput depend on your deployment and service-level agreement.

See Real-Time Protection Live

Keep instant payments fast and safe

See DataVisor protect RTP, FedNow, or the instant-payment rails most relevant to you.

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