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Fraud Pressure Is Rising Across Key Markets

Across Europe and the UK, payment fraud is rising fast, increasing pressure on banks to act before money moves.​​​​​

€4.2bn

EEA payment fraud, up 17% year over year.1

>50%

Of credit-transfer fraud value tied to payer manipulation and APP scams.2

10x

Higher fraud risk on instant credit transfers versus standard transfers.3

£1.28bn

Stolen through fraud in the UK, the highest level since 2021.4

4.06m

Confirmed UK fraud cases, an 11% increase and a record high. 5

£576.4m

APP scam losses in the UK, up 19%.6

Customise your Fraud Prevention Strategy

Monitor payment activity continuously to detect unusual payment behaviour, account takeover attempts, social engineering indicators, and emerging fraud patterns before losses occur. Payments Fraud Defense evaluates transactions and user activity in real time, helping fraud teams uncover hidden risk and focus on the activity that matters most.

Safeguard Every Transaction

Identify unusual behaviors that could damage your business.  Use our cutting-edge technology to spot anomalies and investigate thoroughly.

Tailor to Your Unique Needs

Fraudsters do not employ one-size-fits-all techniques and neither should your mitigation solution. As fraud evolves and regulations change, our configurable libraries with proven best-practice fraud risk indicators ensure your organisation is compliant every step of the way, no matter the region, country, or industry.

Increase Your Competitiveness

Build greater defences in a landscape of increased risk and regulations with our insights into common and emerging fraud schemes. You’ll help secure your organisation as well as your customers.​

Accelerate Investigations

Give fraud analysts the visibility they need to make informed decisions quickly with visual link analysis, alert management, streamlined investigation workflows, and screen-by-screen Record and Replay capabilities that help reduce investigation time.

Reduce False Positives

Focus resources on the highest-risk activity with configurable risk models, adaptive analytics, and AI-enhanced detection that help improve accuracy, reduce false positives, and support a more efficient fraud operation.

Reduce Attrition

Make fact-based decisions and avoid reputational damage with a finely tuned fraud detection system.  Eliminate perceived negligence,  false alerts, and major fraud incidents that can undermine customer confidence.

Reduce Risk and Prevent Payment Fraud

See Screen-by-Screen Playbacks in Payment Systems
Understand anomalies in user behaviour, clearly identify suspicious activities, and facilitate effective fraud investigations without disrupting your normal operations.  

Seamlessly Integrate AI Solutions to Strengthen Your Fraud Strategy
Access flexible AI capabilities designed to optimise fraud prevention, elevate customer experience, and drive operational efficiency.

Use Rich Visualization and Forensic Tools for Granular, Real-Time Interdiction
Bottomline automatically puts transactions on hold, allowing suspicious events and high-risk payments to be examined in the Alert Investigation Center. Once the investigation is complete and funds are verified, analysts can release funds or block them if determined fraudulent.

Monitor All Types of Payments​
Payments Fraud Management monitors trillions of transactions worldwide in almost any format, including ACH, FedWire, RTP, FedNow, Swift, SEPA, SIC, Check, and ISO20022.

Fine-Tune Your Fraud Prevention Strategies
Bottomline’s strategic consultants partner with you to help navigate the complex fraud landscape, make critical decisions and create a blueprint for long-term growth.

How Payments Fraud Defense Fits Within Your Payment Workflow

Fraud Intelligence at the Moment Risk Matters Most

Payments Fraud Defense adds fraud intelligence at the point where payment risk converges, connecting initiation, recipient validation, compliance screening, and final decisioning into one coordinated workflow.

1. Payment Initiated

A payment instruction enters the workflow, creating the first opportunity to assess intent, context, and risk.

2. Payee Verification

CoP and VoP confirm whether the recipient details align with the intended beneficiary.

3. Sanctions Screening

Compliance controls check the payment and parties for regulatory exposure before release.

4. Payments Fraud Defense

Real-time fraud intelligence evaluates behavioural patterns, transaction characteristics, user activity, and contextual risk signals after recipient and compliance checks, helping determine whether the payment itself should be trusted.

5. Decision

With beneficiary, compliance, and fraud signals aligned, teams can approve, hold, or reject the payment with greater confidence.

A Stronger Defense Against Fraud

Payments Fraud Defense brings real-time fraud intelligence into the payment workflow so banks can make more confident decisions before funds move. Combined with payee verification and sanctions screening, it supports a layered approach to payment risk management that helps reduce fraud losses, protect customers, and complement verification and compliance controls across the payment lifecycle.

Proactively reduce risk, prevent payment fraud, and remain compliant

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Screen Transactions

Fight fraud, guard against data breaches, and protect your business from sophisticated threats.

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Streamline Investigations

Organise, prioritise, and manage investigations by aggregating data from all your risk detection solutions into a centralised tool.

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Payments Fraud Defense FAQs

How is Payments Fraud Defense different from Bottomline's Secure Payments?

Payments Fraud Defense builds on Bottomline's Secure Payments by bringing more capabilities together in a single platform. Key features that were once optional or separate are now standard, combined with AI-drive detection, analytics tuning, intelligence augmentation, interdiction precision, and session replay to help banks detect fraud earlier and respond faster.

How does Payments Fraud Defense strengthen a bank’s fraud strategy?

Payments Fraud Defense enables earlier detection and real-time response across the commercial payments lifecycle, helping banks identify risk sooner, act faster, and better protect B2B payment activity supported by more advanced built-in capabilities.

Can Payments Fraud Defense be used with existing fraud solutions?

Yes. Payments Fraud Defense can operate as a primary fraud platform or alongside your existing fraud tools. This gives your bank flexibility to expand coverage, reduce blind spots, and strengthen protection across payment channels without requiring a complete replacement.

1European Banking Authority and European Central Bank, report on payment fraud covering EEA payment fraud, payer manipulation, APP scams, and instant credit transfer fraud risk.

2European Banking Authority and European Central Bank, 2025 Report on Payment Fraud, December 2025, pp. 17–22, https://www.ecb.europa.eu/press/intro/publications/pdf/ecb.ebaecb202512.en.pdf.

3European Banking Authority, Opinion on New Types of Payment Fraud and Possible Mitigants, EBA-Op/2024/01, 29 April 2024, noting that instant payments feature notably higher fraud rates than traditional credit transfers, https://eba.europa.eu/sites/default/files/2024-04/363649ff-27b4-4210-95a6-0a87c9e21272/Opinion%20on%20new%20types%20of%20payment%20fraud%20and%20possible%20mitigations.pdf.

4UK Finance, Annual Fraud Report 2026, covering 2025 UK fraud losses, confirmed fraud cases, and APP scam losses.

5UK Finance, Annual Fraud Report 2026, June 2026, reporting 4.06 million confirmed unauthorised fraud cases, up 11%, https://www.ukfinance.org.uk/system/files/2026-06/UK%20Finance%20Fraud%20Report%202026.pdf.

6UK Finance, Annual Fraud Report 2026, June 2026, reporting £576.4 million in authorised push payment fraud losses, up 19%, https://www.ukfinance.org.uk/system/files/2026-06/UK%20Finance%20Fraud%20Report%202026.pdf.

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