--- title: Stop Payment Fraud | Bank-Grade Fraud Detection Before Funds Move source_page: https://www.sardine.ai/payment-fraud canonical: https://www.sardine.ai/payment-fraud format: text/markdown description: Prevent ACH, RTP, FedNow, wires, and account-to-account fraud by analyzing transaction behavior, counterparties, and network risk before funds move... --- **Quick links:** [Human page](https://www.sardine.ai/payment-fraud) · [Home](https://www.sardine.ai) · [Customers](https://www.sardine.ai/customers) · [Blog](https://www.sardine.ai/insights/blog) · [Demo](https://www.sardine.ai/demo) --- # Stop Payment Fraud | Bank-Grade Fraud Detection Before Funds Move Prevent ACH, RTP, FedNow, wires, and account-to-account fraud by analyzing transaction behavior, counterparties, and network risk before funds move... ## Protect revenue across every payment rail Approve more legitimate transactions while keeping your fraud rates low across cards, ACH, instant payments, and wallets. ## Smarter fraud controls for merchants - 70%: Higher approval rate - 98%: Decrease in manual reviews ### Approve more good payments Increase authorization and SCA pass-through by routing low-risk payments through low-friction paths. ### Stop fraud before losses occur Predict chargebacks, unauthorized payments, and returns before authorization or settlement. ### Lower fraud operations costs Reduce manual workload and keep fraud costs predictable with automated reviews, disputes, and evidence collection. ## Accurate risk scoring across all payment methods ### Card Payments Stop card fraud before authorization, not after disputes - Analyze checkout behavior, device risk, and cardholder signals - Approve more transactions with low-friction routing for low-risk payments - Automate dispute evidence collection to improve chargeback win rates ### Bank Transactions Reduce ACH returns and unauthorized debits before funds move - Verify account ownership and ACH eligibility in real-time before initiating transfers - Predict non-sufficient funds, unauthorized debit exposure, and known abuse signals - Detect mule accounts and shared bank details using device and behavioral context ### Instant Payments Protect RTP and FedNow rails without introducing latency - Validate account ownership and session context within the instant payment window - Flag high-risk account changes and newly linked accounts before funds are released - Stop account takeover-driven payments before irreversible transactions execute ### Digital Wallets Control deposit and cashout risk without disrupting legitimate users - Block stolen card and bank credentials used to fund wallet accounts - Detect rapid deposit-spend-withdraw cycles and mule-like movement between accounts - Prevent ATO-driven funding changes, payment method cycling, and bonus exploitation ## Go beyond transaction-level data with device, behavior, and network intelligence ## Card-not-present transactions Ecommerce Fraud Stop card fraud so you can accept legitimate payments at checkout now and ship goods later. ### Generate pre-authorization risk scores Analyze checkout behavior, device risk, shipping address signals, and cardholder verification to detect fraud earlier. ### Create, modify, and backtest rules Build no-code workflows that approve, step up, decline, or route to a chargeback guarantee solution based on risk thresholds. ### Improve chargeback win rates AI agent reviews disputes, pulls compelling evidence and submits it to the acquirer automatically. ## Marketplace payments Marketplace Fraud Facilitate payments between buyers and sellers without exposing your platform to coordinated abuse. ### Detect stolen credentials and ATOs Use risk scoring to block compromised accounts, stolen payment methods, and payout changes before funds move. ### Uncover fraud rings and collusion Update thresholds and strategies in real time without engineering changes or downtime. ### Stop card testing before it triggers VAMP thresholds Detect low-value probing attempts, authorization sequences, and multi-merchant card testing patterns that inflate dispute ratios and put your Visa acceptance at risk. ## Gift cards and digital goods Digital Goods Fraud Stop stolen funds before they convert into gift cards, crypto, or other liquid digital assets. ### Prevent stolen payment monetization Block stolen cards, stored credentials, and virtual cards used to instantly purchase convertible digital goods before disputes surface. ### Stop card testing and burst purchase attacks Detect low-dollar probing, micro-transaction abuse, and bot-driven bursts across SKUs with velocity monitoring at the account and device level. ### Block automated bulk abuse with digital-native signals Identify scripts targeting limited drops and arbitrage-prone SKUs using device, identity, session, and value-extraction signals. ## Digital wallets and iGaming In-App Purchase Fraud Control deposit and cashout risk without disrupting legitimate play. ### Prevent stolen payment funding Block deposits made with compromised cards or bank credentials, including high-velocity payment method switching on new or recently accessed accounts. ### Disrupt deposit-to-cashout abuse Avoid one-off builds and brittle pipelines as strategies evolve. ### Stop ATO and automated funding attacks Bring enrichment, rules, ML and decisions into a single workflow. ## Machine learning models for payments and disputes Automate dispute workflows and improve win rates with explainable, adaptive AI. ### Continuously analyze transaction behavior and payment anomalies to detect unusual velocity, merchant patterns, or repeat disputes. ### Investigate shared identifiers across users and payments, including common devices, IPs, emails, and cards linked to coordinated abuse. ### Generate and recommend anomaly-driven rules based on emerging fraud patterns and transaction outliers. ### Automatically assemble and file disputes with explainable documentation. ## Recognized by Nacha for ACH payment risk Sardine is a Nacha Preferred Partner for Fraud Prevention, Risk and Compliance, supporting PSPs and acquirers with bank-grade ACH controls aligned to Nacha operating rules. ## Built for modern payment fraud operations ### Turn risk signals into action Create and deploy your own rules that control approvals, step-ups, holds, disputes, and payouts across rails Rules & Workflows ### Resolve payments end-to-end Review payments, perform investigations, manage disputes, and automate decisioning in one platform. Case Management ### Adaptive risk scoring Score every payment in real-time using models trained on identity, device, behavior, and transaction history. ## Reduce fraud while increasing approvals ## Protect more
than just payments Payments are one part of the risk lifecycle. Extend protection across onboarding, funding, and account activity. ### Identity Verification Confirm identities before payment activity begins. ### Bank Verification Validate funding sources and reduce ACH and payout risk. ### Credit Risk Assess risk before extending credit or approving merchants. ## Frequently asked questions