Risk controls that run before the authorization.
Transaction screening, velocity limits, BIN and country analysis, allow and block lists, chargeback monitoring and merchant-level risk controls. Rule-based and configurable, with the reason for every decision recorded.
Honest about what this is
This is a configurable, rule-based risk layer with transaction screening, velocity controls and monitoring. It is not a proprietary machine-learning fraud product, and we do not describe it as one. Where you already run a specialist fraud vendor, the risk layer is designed to sit alongside it rather than compete with it.
From request to reconciled
Screen
Each transaction is evaluated against your configured rules before it is submitted for authorization.
Decide
The outcome is approve, review or block, with the triggering rule recorded against the transaction.
Authenticate where it helps
Risk signals can require 3-D Secure on a transaction that would otherwise have proceeded without it.
Monitor
Patterns are monitored over time, including chargeback behaviour, not just at the moment of payment.
Review and tune
Blocked and reviewed transactions are inspectable, so rules that are too tight can be found and corrected.
What fraud & risk management covers
Transaction risk screening
Pre-authorization evaluation of every transaction against your rule set.
Velocity controls
Limits by card, customer, device, IP or amount over a time window, which catches the most common automated abuse patterns.
BIN & country analysis
Issuing country, product type and issuer behaviour as risk inputs, including mismatches between issuing and customer country.
IP & device signals
Where supported on your configuration, address and device signals contribute to the decision.
Rule-based controls
Explicit, readable rules you can inspect and change, rather than an opaque score you cannot interrogate.
3-D Secure as a control
Authentication can be stepped up for risk reasons on transactions that would otherwise go unauthenticated.
Transaction monitoring
Ongoing monitoring of transaction patterns, not only point-in-time screening.
Fraud indicators
Flagged patterns surfaced for review, with the underlying evidence attached.
Block & allow lists
Deterministic lists at card, customer, email, IP and country level, which take precedence over scoring.
Risk scoring
Where enabled on your configuration, a composite score combines the active signals into a single decision input.
Chargeback monitoring
Chargeback volume and ratio tracked over time, with early visibility of a deteriorating trend.
Merchant risk controls
Account-level limits and controls applied as part of the ongoing merchant relationship.
Why teams choose it
- Stop it before it costs. Screening happens before authorization, so blocked attempts do not consume authorization cost or scheme ratios.
- Inspectable decisions. Every block or review names the rule that caused it, so false positives are findable.
- Works with your vendor. Designed to complement a specialist fraud provider rather than demand you replace it.
How you connect
- Applies automatically to traffic routed through Flowa Pay.
- Rules configured per account, per method and per corridor.
- Decisions and reasons exposed on the payment record, in webhooks and in reporting.
What you can accept
- Cards
- Wallets
- Bank and A2A methods where the signals apply
Availability depends on merchant category, jurisdiction, underwriting and the applicable payment or acquiring partner.
How it is controlled
- Risk decisions and their reasons are recorded against each transaction for audit.
- Lists and rules are versioned and attributable.
- Personal data used in screening is handled under the privacy policy and retained only as long as needed.
Flowa Pay provides the payment technology and orchestration layer. Acquiring, scheme settlement and regulated payment services are provided by licensed acquiring and payment partners under their own authorisations.
Common questions
No, and we will not describe it as one. It is a configurable rule-based risk layer with screening, velocity controls, lists and monitoring. Where a composite risk score is enabled, it combines those signals rather than a proprietary model.
Yes. The risk layer is designed to run alongside a specialist vendor, with Flowa Pay controls handling the payment-level checks.
It is not submitted for authorization. It is recorded with the rule that blocked it, so you can review and tune.
No control prevents chargebacks entirely. Screening and monitoring reduce avoidable exposure and give you early visibility of a deteriorating trend.
Ready to put fraud & risk management to work?
Talk to our team about your corridors, your volumes and the routes that fit your business.