Risk
$16.6B
Reported losses keep climbing
The FBI's Internet Crime Complaint Center recorded $16.6 billion in reported losses in its 2024 report, up from 2023.
Fraud PreventionReal-time scoring · Analyst decides
Score every payment in real time and stop fraud before the money moves
Each transaction gets a risk score as it happens, based on velocity, device, location and how that customer normally behaves. You set the thresholds. Low risk passes, high risk is held for an analyst, and the middle goes to a person until you decide the agent can act on its own.
FluxForce Risk Engine
Scoring all channels
SCORED TODAY
1284310
HELD FOR ANALYST
2140
Card not present
New device · geo mismatch
RISK 94··
HeldScanning
Card payment
Retail · POS
RISK 12··
ApprovedScanning
Wire transfer
Cross-border · new beneficiary
RISK 64··
ReviewScanning
UPI transfer
P2P · known contact
RISK 9··
ApprovedScanning
Account login
Impossible travel
RISK 88··
HeldScanning
Card payment
Crypto exchange · first purchase
RISK 71··
ReviewScanning
AI REASONING · Card not presentHeld · Risk 94
Analysing device, location, velocity and history…
New deviceGeo mismatch6 payments in 2 min
Device and location changed 4 minutes after the last login. Held before settlement and sent to an analyst.
Real time
Scored before settlement
Your
Thresholds, set by you
Kill switch
On every agent
Why rules fall behind
Fraud moves at the speed of instant payments. Static rules don't.
Fixed rules catch yesterday's pattern and decline good customers along the way. By the time a rule is updated, the fraud has moved to a new channel.
Risk
Seconds
Instant rails leave no time to recall
UPI in India and Faster Payments in the UK settle in seconds. Once a payment clears, getting the money back is slow and often impossible.
Risk
£85,000
Liability is moving to the institution
Since October 2024, the UK Payment Systems Regulator requires reimbursement of authorised push payment fraud victims up to £85,000 per claim. Other regulators are watching.
What FluxForce delivers
A risk score on every payment, with the reason attached
The agent scores each payment as it happens and explains the score in plain language. You decide what happens at each level.
CAPABILITY 01 / 06
Real-time payment scoring
Scores card, account, wallet and instant payments as they happen.
Weighs velocity, device, location and amount together.
Compares each payment with the customer's own baseline.
Returns a score before the payment settles.
CAPABILITY 02 / 06
Thresholds you control
You set the score bands for pass, review and hold.
High-risk payments always go to a person.
Widen the agent's authority only when your data supports it.
Change a threshold or switch an agent off at any time.
CAPABILITY 03 / 06
A reason behind every score
Every score lists the signals that drove it.
Analysts see why a payment was held in one line.
Customers can be told what happened without guesswork.
The same reasons are kept for your auditors.
CAPABILITY 04 / 06
Account takeover signals
Checks session trust before the payment is scored.
Spots impossible travel, new devices and reused credentials.
Requests step-up checks where your policy allows.
Links login and payment signals in one case.
CAPABILITY 05 / 06
Learning from your analysts
Every analyst decision feeds back into the next score.
Confirmed fraud patterns are flagged across customers.
Cleared false alarms stop repeating for the same customer.
Model changes are tested before they go live.
CAPABILITY 06 / 06
Fits your payment stack
Connects to your payment switch, gateway or core through APIs.
Starts in shadow mode, scoring beside your current rules.
Runs as SaaS, on-premise or hybrid.
Supports PCI DSS controls on card data.
What changes for your team
Fewer good customers declined, and a reason for every hold
We won't quote detection rates from a demo. In shadow mode we score your real payments next to your current rules, and you see the difference on your own data.
Every
Payment scored
Card, account, wallet and instant payments, as they happen.
1 line
Reason per hold
Analysts and customer teams see why, without opening five systems.
Your
Thresholds
Pass, review and hold bands are yours to set and change.
Shadow
Mode first
Compare the agent's scores with your rules before anything changes.
Replay
Every decision
Each hold, release and analyst call is logged with its evidence.
The agents on this work
Three AI agents between a payment and a loss
Each one covers a different part of the fraud picture. Together they give your analyst one view.
Senior AI Fraud Risk Analyst
Aiden Flux
Scores every transaction on velocity, device, location and the customer's baseline.
Real-time risk scoring
Plain-language reasons
Learns from analyst decisions
Director AI Payment Security
Leo Payden
Watches card, account and instant payment flows in flight.
Payment-rail monitoring
Merchant and channel risk
PCI DSS-aware data handling
Lead AI Zero Trust Security Architect
Nova Sentinel
Settles whether the session can be trusted before the payment is scored.
Device and location checks
Impossible travel
Reused-credential signals
Where it fits
Fraud prevention for the payments you actually process
Fraud looks different at a retail bank, a wallet provider and an insurer. The agents learn the patterns of your book.
CARDS AND ACCOUNTS
Banking
Focus
Card and wire fraud
Scope
Account takeover
Shadow mode to go-live90 DAYS
Results
Risky payments held before settlement
Fewer good customers declined
Every hold explained to the customer team
WALLETS AND PAYMENTS
Fintechs
Focus
Instant payments
Scope
Mule accounts
Shadow mode to go-live90 DAYS
Results
Scores keep pace with transaction growth
Mule and money-out patterns surfaced early
Evidence your sponsor bank can review
CLAIMS AND PAYOUTS
Insurers
Focus
Claims fraud
Scope
Payout redirection
Shadow mode to go-live90 DAYS
Results
Duplicate and staged claims flagged for your SIU
Payouts to changed accounts held for review
Each referral sent with its evidence
Questions? We Have Answers
Frequently Asked Questions
Rules check fixed conditions. Our agent compares each payment with that customer's normal behaviour and explains the score, and your existing rules can keep running alongside it.
No. High-risk payments are held and go to a person. Low-risk payments pass under thresholds you set. You decide whether the agent ever acts alone on anything in between.
Card-not-present fraud, account takeover, authorised push payment scams, mule activity and first-party fraud patterns. Insurance claims fraud is covered by a dedicated agent.
Fast enough to sit in the payment flow before settlement. We'll confirm latency on your own traffic during the technical assessment.
Shadow mode. The agent scores your live payments next to your current controls but changes nothing until you've compared the results.
Yes, through APIs to your switch, gateway or core. It runs as SaaS, on-premise or hybrid.
Take the first step
See how an investigation file is built
Pick one alert type. We'll run the agents in shadow mode on your own data and show you the cases they prepare. Your team decides what happens next.
DeploymentDAY 90
Discovery
Shadow mode
Integration
Controlled go-liveDAY 76–90+
Security and governance