Product

Authorized Payment Protection

Real-time monitoring and destination account intelligence to help combat Authorized Push Payment fraud
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Product Overview

Authorized Payment Protection is a real-time fraud solution for banks and payment providers. While traditional security focuses on account takeover, this solution targets the point of payment to stop Authorized Push Payment fraud. By analyzing both sender and destination account risk, it indicates money mule activity and social engineering in milliseconds. This enables firms to intervene before funds are lost, reducing reimbursement liabilities and ensuring regulatory compliance.

How It’s Used

Chief Risk Officer
Manages financial impact of mandatory reimbursement and liability splits.
Head of Fraud
Uses destination account intelligence to stop money mule transfers in real-time.
Compliance Director
Ensures payment processes align with October 2024 PSR regulatory frameworks.
Payments Product Manager
Integrates real-time risk checks into payment flows for secure, seamless UX.
Fraud Operations Manager
Uses the policy engine to automate decisions and reduce manual review backlogs.
Digital Banking Director
Protects customer trust by preventing AI-driven social engineering scams.

Evolving Fraud Requires an Evolved Response 

Equifax has evolved its fraud prevention by moving beyond simple behavioural monitoring of the sender. By integrating real-time destination account intelligence, the solution now helps our clients identify high-risk "mule" patterns at the point of payment.

This evolution directly addresses the industry shift toward real-time payments and the growth of Authorized Push Payment fraud. We empower firms to intervene instantly, securing funds before they leave the account.

A Proactive Three-stage Approach to Fraud Prevention.

Analyzing every transaction to mitigate fraud in real-time.
1
Real-time Payment Data Ingestion

The process begins by capturing transaction data at the point of payment. This includes the sender’s device intelligence and behavioral patterns, enabling  a multi-layered risk evaluation without slowing the user down.

2
Receiving Account Attribute Analysis

We can perform a deep-dive assessment of the destination account. By evaluating receiving account attributes including, account age, transaction history and inbound velocity, the system identifies hidden "mule" indicators that traditional sender-side monitoring typically overlooks.

3
Automated Decisioning & Intervention

Combining sender and receiver data, our engine returns a risk score in milliseconds. This enables firms to intervene instantly, allowing for automated rules to approve, flag for review, or freeze suspicious funds before they leave the account.

Key Benefits

Minimise losses from APP Fraud
By proactively identifying and preventing fraudulent transactions before processing. 
Help preserve consumer trust
By safeguarding your customers from sophisticated scams and financial loss.
AI-powered precision
Use proprietary models to identify sophisticated social engineering and AI scams.
Gain full, granular control:
Manage risk thresholds, allowing you to tailor protection to your specific needs.
Maintain operational efficiency
Ensure smooth, legitimate payments. Flag risks for minor friction review, not denial.
Destination account intelligence
Detect money mule accounts by analyzing receiving account history and velocity.

Future-proofed on a Single Platform

Delivered via our advanced cloud platform, Authorized Payment Protection simplifies fraud management. By leveraging our global data network and fraud consortium, you gain a cross-industry view that evolves as quickly as the threats themselves.

Related Resources

Brochure
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Authorized Payment Protection
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Visit our Developer Portal

Access our APIs and documentation to integrate Authorized Payment Protection into your real-time payment flows.
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