Real-Time Payment Fraud Prevention Software
Protect your business with instant, AI‑powered fraud detection across all payment channels – P2P, ACH, wire, card, and ISO 20022 rails. Built for speed, scale, and accuracy, our solution is designed to offer complete protection from real-time payment fraud.
Why it matters
The cost of inaction is too high
Payment fraud is accelerating across every channel. The window to act is measured in milliseconds, not minutes. Here’s what’s at stake.
Stop fraud in seconds
Fraud happens in milliseconds. Your solution must too. Real-time payment fraud detection allows for proactive intervention before funds are lost.
Reduce financial and reputational loss:
Late detection leaves platforms vulnerable to chargebacks and legal exposure. Real-time payment fraud monitoring helps teams act decisively when every second counts.
Meet evolving regulations
As instant payment rails spread, regulators are mandating faster fraud detection, faster reporting, and faster reimbursement of victims. Real-time payment fraud prevention is what makes those obligations operationally achievable.
How it works
Built for the speed fraud moves at
Four interconnected capabilities working together in real time, from data ingestion to decision, in milliseconds.
AI & Machine Learning at Core
Scan hundreds of data points (account details, behavioral signals, device, network) to flag anomalies in real time
Behavioral & Velocity Analytics
Spot unusual patterns – sudden spikes, cross‑channel activity, odd geolocations
Unified Monitoring & Response
Continuously track all rails – ACH, P2P, wire, ISO 20022, CNP cards – and enable frictionless recalls and interdiction
Adaptive Risk Scoring + Custom Rules
Combine pre‑trained models with tailored business logic
What sets us apart
Fraud is a system problem. So is our solution.
Point solutions leave gaps. Skylight is purpose-built as a platform — connecting detection, investigation, compliance, and response into one coherent system.
Our architecture is designed around the reality that modern fraud doesn’t stay in one channel. Attackers pivot. Your defenses need to as well — automatically, in real time, across every rail you operate.
Seamless integration
Plug into core payment systems via API, with ISO 20022 ready schemas – no heavy IT lift.
Holistic platform
Combine with Skylight’s identity, AML, and case management solutions – no silos, complete view.
Configurable & transparent
Customize rules and thresholds; dashboards provide clear visibility into risk decisions.
Use cases
Every rail. Every threat vector.
Payment fraud doesn’t respect channel boundaries. Skylight covers your entire exposure — from instant P2P transfers to high-value cross-border flows.
P2P & Faster Payments
Detect scams and unauthorized transfers in real time.
ACH & Wire
Prevent APP and large‑value fraud.
Cross-border / ISO 20022
Monitor messages and payment files instantly.
Card‑not‑present (CNP)
Identify risky online card transactions using device and behavioral data.
Ready to protect every payment in real time?
Request a live demo, run a proof of concept, or speak with our risk experts today.
