Payments Fraud has Changed. Most Fraud Controls Have Not.

Fraud is no longer isolated or opportunistic. Instant payments, AI-generated attacks, business email compromise, account takeover and authorised push payment (APP) scams have industrialised fraud, putting financial integrity and customer trust at risk.

Financial institutions must make accurate fraud decisions in milliseconds while navigating increasing regulatory scrutiny and reimbursement obligations. Doing so with disconnected systems increases cost, complexity and risk.

 

The Stakes for Financial Institutions Are Extremely High

The highest-risk moment is the window between payment authorisation and orchestration to networks such as Swift, SEPA and Bacs. With instant payments carrying up to 10x higher fraud risk, institutions need real-time intelligence to identify threats and stop fraudulent transactions before they are irrevocably processed.

 

One Platform for Smarter Fraud Prevention

Payments Fraud Defense combines proven fraud analytics, behavioural intelligence, machine learning and shared intelligence to detect and prevent fraud before payments leave the bank.

Built for both instant and traditional payment environments, it protects domestic and crossborder payment flows, helping financial institutions reduce losses, improve efficiency and strengthen compliance.

 

Layered Intelligence for Stronger Fraud Prevention

Payments Fraud Defense combines multiple layers of intelligence to improve decision quality and support analyst investigations.

Four Layers of Protection

Expert Analytics

Apply ready-to-deploy models built for payment fraud, including account takeover, business email compromise and authorised payment scams.

Adaptive AI

Use behavioural analytics and machine learning to identify unusual activity and emerging patterns  that rules may miss.

Intelligence Automation

Combine internal data with trusted third-party intelligence sources such as device intelligence, behavioural biometrics, beneficiary intelligence  and fraud risk services.

Shared Intelligence

Use privacy-protected, shared fraud intelligence to strengthen detection and provide greater context for decision-making.

Key Benefits

Detect fraud before funds leave

Support evolving regulatory requirements

Protect instant and traditional payment rails

Connect existing fraud and intelligence ecosystems

Reduce false positives and investigation effort

Reduce false positives and investigation effort

How Bottomline Helps Institutions Like Yours

Detect Earlier. Decide Faster. Stop More Fraud.

As fraudsters exploit digital channels with increasingly sophisticated tactics, early detection has become critical to preventing losses. Payments Fraud Defense combines real-time fraud interdiction, intelligent analytics and ongoing model tuning to help institutions detect threats earlier, stop more fraud and protect customer trust.

Built For Modern Payments

  • Multi-rail fraud monitoring
  • Behavioural profiling
  • Explainable, auditable decisions
  • AI-ready architecture
  • Integration with Bottomline solutions for seamless defense
  • Payment and non-payment event monitoring
  • Human-in-the-loop investigations
  • Real-time payment decisioning 
  • Consortium intelligence ready
  • Advanced tuning for better decision-making

Compliance By Design

Support for an Evolving Regulatory Environment

Payments Fraud Defense helps organisations establish stronger fraud controls aligned with evolving requirements.

Across the EU, Switzerland and the UK, rising fraud volumes, APP scam liability and real-time detection expectations are putting pressure on banks to modernise fraud controls before payments leave the institution.

Bottomline’s next-generation Payments Fraud Defense delivers the advanced controls, intelligence, and flexibility commercial banks need to stay ahead of modernised threats.

Designed to help meet requirements, including:

• EU Payment Services Regulation (PSR)

• UK APP reimbursement environment

• FINMA fraud guidance

• Swift Customer Security Programme (CSP)

• Anti-Money Laundering Regulation