Stop fraud without
stopping revenue.
Every transaction is analysed by a machine-learning risk engine trained on billions of payments. Block the bad ones, pass the good ones, and sleep at night — with built-in chargeback protection on eligible transactions.
- !Velocity anomaly · 14 attempts / 2 min
- !BIN country ≠ ship country
- ?New device fingerprint
- ✓Email age · 4 years
Catch fraud, keep customers
A real-time machine-learning model trained on billions of transactions, layered with rules you control and chargeback protection on top.
ML risk scoring
Every transaction scored in real time on 100+ signals — device, behaviour, card history, network intelligence.
Custom rules engine
Write your own rules on top of the ML model. "Block if BIN country ≠ ship country and amount > $500."
3D Secure 2 adaptive
Trigger 3DS only when risk or regulation requires it. Fewer abandoned carts, full SCA compliance.
Chargeback protection
On eligible transactions, MondialPay covers the chargeback. You keep the revenue, we absorb the loss.
Network effect
We see fraud attempts across 50,000+ businesses. Our model learns from all of them, every hour.
Transparent reasons
Every block and every allow comes with an explanation you can audit. No black boxes — just answers.
A model that gets smarter every day
Our risk model retrains every hour on the latest fraud patterns from across the network — so attacks that hit one merchant on Monday are blocked everywhere by Tuesday. You don't tune anything. We do the work, you keep the revenue.
Read the playbookFrom card swipe to clear verdict
Every payment passes through four layers of defence before it reaches your books — without slowing the buyer down.
100+ device, behaviour, and card-network signals collected in real time.
Risk model returns a score and reason in under 30 milliseconds.
Your custom rules can override the model for known scenarios.
Allow, block, or step-up to 3DS — every choice fully logged.
Layered fraud protection that adapts
Each layer is configurable, observable, and updated continuously by our research team.
Real-time risk scoring
Our gradient-boosted model returns a 0–100 fraud score in 30ms or less — based on 100+ signals collected from the device, the card network, and the buyer's behaviour across our entire ecosystem.
Rules & conditions
Layer your own logic on top of the model: block by BIN country mismatch, hold high-value first-time orders for review, or auto-approve customers with strong network history. All visual, no code.
Chargeback protection
Eligible transactions that result in a fraud chargeback are reimbursed automatically — no dispute paperwork, no evidence to gather. Available on standard checkout flows in supported markets.