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Authorized Payment Protection
Fight APP fraud without losing customer trust
The promise of real-time payments has permanently transformed the global payment ecosystem, with high consumer adoption rates driving organizations to embrace these faster transactions. But alongside this innovation, the business of fraud evolves just as rapidly. Authorized Push Payment (APP) fraud is on the rise, targeting businesses that are increasingly being held liable for losses.
As global regulations tighten, financial institutions and peer-to-peer (P2P) payment platforms face mounting pressure to protect their customers from the growing threat of APP fraud. The convenience of P2P payments has led to a surge in fraud cases, with scammers using sophisticated social engineering tactics to deceive victims — particularly vulnerable populations like the elderly, the young, and the underbanked — into authorizing payments to fraudsters. These attacks often bypass traditional fraud detection methods, leaving businesses exposed and consumers at risk.
The extensive impact of APP fraud
Represents 40% of digital fraud
11% growth rate in annual fraud losses
266B Real-time payments in 2023 globally
>$1 trillion lost to scams globally
Comprehensive real-time protection against APP fraud
Preventing scams has never been more challenging, especially in a world where fraudsters use generative AI to impersonate customers in their native languages, creating convincing scams in real time. The rise of these sophisticated tactics presents a new challenge for organizations: how to detect risky behaviors without sacrificing the speed and convenience of real-time payments.
Authorized Payment Protection offers organizations the ability to screen Payer and Payee accounts in real time
Global Data Consortium
Leverages vast, unique data sets to detect known scams from fraudsters and criminals operating across international borders.
Intelligent Behavioral Analysis
Advanced device data analysis helps thwart impersonation attempts by detecting abnormal behaviors and suspicious interaction.
Advanced Machine Learning
Processes logins, account changes, transactions, and reported fraud data to deliver immediate risk assessments.
End-to-End Solutions
User-friendly dashboard delivers full visibility and control from account transaction through transaction settlement.
By harnessing data-driven artificial intelligence (AI), Authorized Payment Protection evaluates peer-to-peer transactions for risk in real time, ensuring seamless customer experiences while safeguarding businesses from loss.
Kount 360 solutions to detect and prevent APP fraud
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To effectively combat APP fraud, organizations need a comprehensive strategy that includes cutting-edge technology and consumer education. Kount, an Equifax company, is trusted by over 1,000 businesses worldwide to deliver industry-leading fraud prevention solutions and forward-looking expertise.