Stop fraud before funds leave the rail
Run your full payment risk surface on one platform across every rail your business operates.
Cover every payment risk from one platform
Score every transaction before authorization clears
Run ML-driven risk scoring on card-not-present, account-to-account debit, and instant payment transactions. Flag velocity anomalies, device mismatches, and counterparty risk signals at the point of initiation, before settlement clears.
Monitor merchant portfolios for transaction laundering and bust-outs
Score every merchant at onboarding and re-score as volume patterns shift. Detect transaction laundering patterns, sudden volume spikes, MCC mismatches, and chargeback ratio drift across your sub-merchant portfolio before card network fines land.
Trace mule chains across accounts and payment rails
Connect rapid fund-throughs, dormant account reactivations, and structured pass-throughs into network clusters so your analysts work the ring as one investigation.
Screen every payment against global sanctions and regional regulator lists
Screen every outbound wire, account-to-account credit, and cross-border transfer in real time, and re-screen the full portfolio the moment any list updates.
Decide at rail speed, produce evidence on demand, protect every margin
Score pre-authorization, at rail speed
Score every transaction before authorization clears and return a decision inside the rail's latency budget.
Produce partner-bank and exam evidence on demand
Hand every partner-bank and regulator exam a complete control package with the evidence trail behind every alert, filing, and screening decision.
Protect margin from chargebacks and push-payment fraud
Intercept push-payment fraud and rising chargeback ratios through pre-authorization scoring and counterparty graphs before either hits margin.
Run the full payment risk surface from one platform
Stop fraud across every payment rail your platform runs
Stop fraud across every payment rail you run from one fraud queue your team works in real time.
Score every transaction with the full counterparty graph and device intelligence already attached.
See payment fraud prevention
Run AML, sanctions, and reporting from one compliance stack
Run your full compliance program from one platform so your team works one audit trail across every licence and every rail.
Generate examiner-ready packages on demand for every framework your business operates under.
See transaction monitoring
Onboard merchants and customers inside one workflow
Run KYB on every merchant and KYC on every customer through one workflow that finishes identity and risk before the first transaction clears.
Hand your operations team a single onboarding queue across every customer type your business serves.
See merchant onboarding
Catch identity fraud before the first payment moves
Catch identity fraud before the first payment moves so your team blocks the attacker at account opening and at every payment authentication.
Run device and behavioural intelligence on every session to surface the attackers who pass document checks.
See identity fraud prevention
CAPABILITIES
Run fraud, AML, and screening from one stack
Cover the full payment risk lifecycle from merchant onboarding to regulatory filing on one platform.
Fraud & Payments
- Real-time transaction risk scoring
- Card testing and BIN attack detection
- Account takeover signal fusion
- Chargeback and dispute analytics
AML & Monitoring
- Cross-rail transaction monitoring
- Mule account network mapping
- Structuring and funnel detection
- Suspicious-activity narrative generation and filing
Onboarding & Screening
- Merchant and sub-merchant KYB
- Customer identity verification
- Global sanctions and watchlist screening
- Ongoing adverse media monitoring
Go live on your payment stack in weeks
Connect your payment gateway, processor, or orchestration layer once and let every transaction event flow through ingestion, enrichment, and scoring on the same path.
Cut false positives and accelerate triage with supervised agents.
OneLattice's purpose-built agents that handle this work end-to-end.
Triage Agent
Triages every alert, escalates real signal, and learns from analyst dispositions.
Pattern Analyst
Surfaces fraud patterns in your own data before they hit the rule set.
FP Resolver
Clears name mismatches, transliteration, and weak matches against client SOP.
Investigator Agent
Gathers history, runs checks, builds the case, and recommends action.
REGULATORY LANDSCAPE
Run a risk-based payments program at global scale
Map every rail, licence, and network obligation onto one control plane your team operates across every market.
Run a risk-based approach across every customer and merchant
Score every customer and merchant on one risk model so your team applies the right level of due diligence to each relationship.
Cover every market your business expands into
Run one program across every market you enter so your team scales globally without standing up new infrastructure per licence.
Catch fraud and laundering on the same surface
Run fraud detection and AML monitoring on the same customer record so your team sees the full risk picture on every payment.
Handle cross-border flows as a first-class workflow
Run correspondent and cross-border workflows on the same control plane your domestic rails already trust.
RELEVANT SOLUTIONS
Explore the solutions payment companies use most
From merchant onboarding and KYB to real-time payment fraud, transaction monitoring, and sanctions screening, payment companies run their highest-stakes decisions on one platform.
Merchant Onboarding
Run KYB, beneficial ownership checks, and MCC validation on merchants and sub-merchants before boarding.
Learn more →Customer Onboarding
Verify payment users with identity checks, risk scoring, and sanctions screening at account creation.
Learn more →Transaction Monitoring
Monitor card, account-to-account, wire, and instant payment flows for structuring, layering, and velocity anomalies.
Learn more →Sanctions Screening
Screen every payment and customer against global sanctions and PEP lists with daily re-screening.
Learn more →Payment Fraud Prevention
Score transactions pre-authorization with ML models trained on card testing, ATO, and CNP patterns.
Learn more →Mule Detection
Map mule networks with graph analysis across accounts, devices, and counterparty clusters.
Learn more →Investigation & Reporting
Manage cases from alert to suspicious-activity filing with pre-filled narratives and exportable audit trails.
Learn more →Account Takeover Prevention
Detect credential stuffing, SIM swaps, and session hijacking before fraudulent payments execute.
Learn more →