Fraud Scoring

Payments Networks  ·  5 min read

Network Fraud Scoring: The Signal No Single Issuer Can Produce Alone

A payment network sees every card transaction across every issuer and acquirer in its scheme simultaneously. No individual issuer has that view. The fraud score the network returns to the issuer in the authorisation response is not a duplicate of what the issuer already knows. It is a cross-network signal built from patterns that are only visible when you can see everyone's transactions at once.