Payments Domain — Fraud Prevention Engine

Every Payment
Authenticated. Scored. Verified.

Multi-signal fraud detection with AI council consensus. Merchant profiling, geo-anomaly detection, and velocity controls — all in under 50ms.

Try Payments Demo View API Docs →
< 50ms
Decision Latency
99.7%
Fraud Detection
0.02%
False Positive Rate
Payment Capabilities

Built for payment processors & neobanks

Every payment evaluated in real time against fraud signals, merchant profiles, and behavioral patterns.

Multi-Channel Scoring
Unified risk scoring across card-present, card-not-present, contactless, and ACH transactions. Channel-specific models with shared behavioral context.
Geo-Anomaly Detection
Location-based fraud signals detect impossible travel, multi-geo velocity, and high-risk jurisdiction transactions. Configurable country risk profiles.
Merchant Profiling
Dynamic merchant risk profiles built from transaction history. MCC-based risk categorization with anomaly detection for compromised merchant patterns.
Velocity Controls
Configurable rate limits per card, per account, and per device fingerprint. Multi-window velocity with rolling aggregation for burst detection.
PCI-Compliant Audit
Every decision produces a signed certificate suitable for PCI DSS evidence. Immutable Merkle-anchored records with configurable retention policies.
3DS & SCA Integration
Seamless integration with 3D Secure and Strong Customer Authentication flows. Risk-based challenge decisions that maximize authorization rates.
Payment Example

Sample evaluation request

POST /v1/sentinel/evaluate 
curl https://api.brainsignal.ai/v1/sentinel/evaluate \
  -H "X-API-Key: sk-sentinel-..." \
  -d '{
    "domain": "payments",
    "transaction": {
      "amount": 847.32,
      "currency": "USD",
      "merchant": "Best Buy",
      "mcc": "5411",
      "payment_type": "card_not_present",
      "card_last_four": "4242"
    },
    "config": {
      "fast_mode": false,
      "risk_threshold": 0.6
    }
  }'