Fraud & Risk Management Engine

Fraud and risk management runs as a core layer across every DECTA product, not as an add-on. Banks, fintechs, and payment service providers get a unified engine that monitors transactions in real time, adapts to their risk profile, and stays compliant with scheme rules and international AML requirements.

Stop fraud before it costs you, across every DECTA product.

 

A Rules-Based Engine You Configure

DECTA's fraud management operates at both the authorisation and transaction level, giving your team precise control over how risk is identified and acted upon. The platform is built around your business model rather than generic industry thresholds, with dedicated tooling for defining and managing your own fraud logic.

  • Rule editor for building and managing custom fraud detection conditions
  • External lists for flagging high-risk entities, BINs, merchants, or geographies
  • Case management for reviewing, escalating, and resolving flagged activity
  • Ability to define your own payment approval conditions per programme

3D Secure 2 and Strong Customer Authentication

DECTA implements the 3D Secure 2.2 protocol across both issuer and acquirer processing flows, covering PSD2 SCA requirements and Mastercard mandates for biometric cardholder authentication. Out-of-band biometric authentication is supported natively through a dedicated cardholder app, available on Google Play and the App Store.

SCA exemption management is also built in, allowing merchants and issuers to set thresholds for low-risk transactions. This reduces unnecessary friction at checkout and cart abandonment without compromising compliance.

Dispute and Chargeback Management

DECTA manages the full dispute lifecycle within the same platform, connected directly to Mastercard Mastercom API and Visa ROL. Reversal processing and chargeback handling are handled at the processing layer, and a single customer support workplace is available across both retail and corporate banking service lines to keep resolution workflows efficient and auditable.

AML Scoring and Compliance Monitoring

Across its corporate and retail digital banking platform, DECTA includes AML scoring as a standard component of the risk management layer. Risk management workflows are built to be compliant with major payment schemes and international AML authorities, and detailed BI analytics give your compliance and operations teams the ongoing visibility they need to meet reporting obligations and respond to emerging threats quickly.