Fraud risk management directions
RBI directions requiring regulated entities to run fraud risk management — early warning signals, monitoring, reporting and board oversight — across their products, including digital payments.
AI-Powered Financial InfrastructureGlobal PaymentsSecure & Trusted
AI & Intelligence · AI Fraud DetectionSpot fraud risk while the payment is happening.
AI Fraud Detection evaluates transaction patterns for fraud risk in real time, rather than after settlement — and anything above the thresholds you set goes to a person before it completes.
- Real-time evaluation
- Your thresholds
- People decide
- Logged
In short
Paynancial AI Fraud Detection evaluates transaction patterns for fraud risk as payments happen rather than after settlement. It surfaces risk for people to act on: transactions above the thresholds your business sets, or matching a risk pattern, route to a person before they complete.
Overview
What AI Fraud Detection does.
Fraud detection is the work of spotting payments that are likely to be fraudulent — a stolen card, an account takeover, an unusual pattern — so they can be stopped or reviewed. The earlier that happens, the less it costs: a fraudulent payment caught after settlement has already moved money.
AI Fraud Detection evaluates patterns for fraud risk in real time, rather than after settlement. It does not remove your controls: it surfaces risk, and the decision on anything above your thresholds stays with a person.
This builds on a verified part of Paynancial's security foundations: real-time fraud monitoring, with transactions passing through real-time risk scoring before funds move (see the Trust Center).
Availability: AI Fraud Detection is available on request. Ask our team whether it is available for your business.
How it works
Step by step.
- 01Payment arrives
A customer pays through your checkout.
- 02Pattern evaluated
The transaction is evaluated for fraud risk as it happens.
- 03Risk surfaced
Transactions matching a risk pattern are flagged.
- 04Person decides
Flagged transactions above your thresholds go to a person before they complete.
- 05Logged
The decision is recorded against the rule that triggered it.
Capabilities
What you can do.
- Real-time risk scoring
- Transactions pass through real-time risk scoring before funds move — a verified part of Paynancial's security foundations.
- Real-time evaluation
- Transaction patterns are evaluated for fraud risk as they happen, not after settlement.
- Business-set thresholds
- Your business decides what is flagged for review and what is not.
- Human decisions
- Flagged transactions above your thresholds route to a person before completing.
- Auditability
- Every action is logged against the request, key and rule that authorised it.
- Part of the payments flow
- Works on the payments you already take through Paynancial.
Where it lives
Across the Paynancial platform.
AI Fraud Detection is not a separate system — it runs through the products and tools you already use.
| Where | What you get |
|---|---|
| Payment Gateway | The payments being evaluated. See Payment Gateway. |
| AI Governance | How thresholds, oversight and audit work. See AI Governance. |
| Trust Center | Real-time fraud monitoring, listed as verified. See Trust Center. |
| Payment Analytics | Transactions by method, status and period. See Payment Analytics. |
In India
Payment fraud in India.
- Report cyber fraud fast
- Customers in India can report cyber fraud on the national cybercrime helpline 1930 or at cybercrime.gov.in. Speed matters for recovering funds.
- A UPI PIN is only for paying
- You never need to enter a UPI PIN to receive money. Fake requests that ask for one are a common scam.
- Social engineering
- Phishing links, fake customer-care numbers and impersonation are frequent routes to fraud — pattern-based screening looks at behaviour, not just amounts.
- People decide
- Transactions above the thresholds your business sets, or matching a risk pattern, go to a person before they complete.
Compliance in India
The RBI and NPCI rules around AI in payments in India.
A plain-language guide to the frameworks that apply. It is general information, not legal advice, and not a statement of Paynancial's own licences or authorisations.
Digital Payment Security Controls
RBI's expectations for governance, secure application design, authentication and fraud-risk monitoring in digital payment products offered by regulated entities.
UPI Online Dispute Resolution (UDIR)
NPCI's mechanism for customers to raise and track UPI complaints — such as a payment debited but not credited — from within their UPI app.
Card-on-File tokenisation
Merchants and payment aggregators may not store customers' actual card numbers. A card saved for repeat payments is replaced by a token, created with the customer's consent.
Digital Personal Data Protection Act, 2023
India's law on processing digital personal data — including the personal data in payment records — based on consent, purpose limitation and security safeguards.
Regulators update these rules by circular, so always check the current text at the source: Reserve Bank of India · NPCI. For Paynancial's own security and compliance posture, see the Trust Center.
Good practice
Getting it right.
- 01Decide your thresholds first
Agree what should always go to a person before switching anything on.
- 02Keep a person on the flagged cases
The value is in reviewing the few that matter, quickly.
- 03Review decisions regularly
Use the audit trail to tune thresholds over time.
FAQ
AI Fraud Detection questions.
How does Paynancial AI Fraud Detection work?
It evaluates transaction patterns for fraud risk as payments happen, rather than after settlement, and routes transactions above your thresholds to a person before they complete.
Does Paynancial already monitor for fraud?
Yes. The Trust Center lists real-time fraud monitoring as verified: transactions pass through real-time risk scoring before funds move.
Who decides whether a flagged payment goes through?
A person, for anything above the thresholds your business sets.
What accuracy does it have?
Paynancial does not publish accuracy or fraud-reduction figures. Ask our team about how it would apply to your business.
Talk to us about AI Fraud Detection.
Tell us how your business takes and moves money, and we will show you how it fits.