REAL-TIME PAYMENT FRAUD PREVENTION

Stop Fraudsters, Not Customers

Deliver proactive protection against real-time threats by dynamically creating rules based on changing situations, use cases, and risk tolerance in real-time, tailored to you.

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HOW IT WORKS

A Comprehensive Fraud Solution
That Puts You in Control

Bring In Any Data You Want

Quickly ingest any type of data—transactional, behavioral, user activity, or custom data—to build an accurate journey of the customer.

Choose Out-of-the-Box Rules or Create Your Own

Leverage ready-made fraud typologies or create customized rules that align with your unique workflows and risk tolerances.

Test Against Historical or Fresh Data

Validate and fine-tune rules by testing them on historical or new data to ensure optimal performance before deployment.

Block Activity Instantly or in Batches

Use sub-second latency for real-time decision-making or batch processing for bulk actions.

Create Allowlists for Trusted Users

Enhance accuracy by maintaining allowlists for verified users, reducing false positives and ensuring a smooth experience for trusted customers.

WHAT MAKES UNIT21 UNIQUE

Time is Money. Make Swift Decisions in Under a Second.

Fraud Doesn’t Wait Overnight, Neither Can You

Block fraud in sub-second latency using transactional or behavioral data. Be confident in your decisions with full explainability and all historical and related data available in a visual dashboard.

Solve All Fraud Schemes in One Place

With out-of-the-box rules, you can monitor and catch fraud of any sort, from checks, ACH, scams, and account takeovers, all in one system.

Ensure Accuracy & Confidence With Backtesting

Reduce false positives with better testing capabilities through backtesting against any timeframe you want. See a sample of generated alerts and iterate by creating your champion and challenger models.

FRAUD USE CASES

Prevent and Proactively Detect
Any Fraudulent Activity

check fraud

scams

ACH Fraud

Optimized For Immediate Check Fraud Action

With Unit21, you can proactively prevent, identify, and take action on check fraud through centralized tools that increase detection accuracy and reduce fraud loss.

CHECK INVESTIGATION TOOLKIT

Centralize & Automate Manual Check Reviews

Unit21 provides integrated check image analysis tools within the alert itself. You don’t need to be a handwriting expert to stop check fraud.
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Improve the speed and effectiveness of your check investigation process by automating 20+ verification points, including image, transaction, account, and entity data review.

OUT-OF-THE-BOX CHECK FRAUD RULES

Detect Check Fraud Quickly & Accurately

Increase detection rates with customizable rules that leverage all your data, including device intelligence, check images, and historical transactions.
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Reduce false positives by detecting the latest types of check fraud scenarios within minutes of go-live.

DARK WEB MONITORING

Block Compromised & Stolen Checks Before Fraud Occurs

Stop fraudulent checks with suspicious activity alerts from the dark web, Telegram, and other sources. Proactively alert customers that their check have been compromised, increasing trust and reducing fraud loss.

AI AGENT FOR CHECK FRAUD

Automate Check Fraud Investigations

Unit21's AI Agent slashes manual investigation time by 80%. Let AI handle routine check fraud investigation tasks such as entity searches, document analysis, and check image analysis, while your team maintains control.

Outsmart Scammers, Every Time

Scams evolve, and so should your controls. Unit21 combines relentless innovation with proactive defense, empowering you to dominate the fight against scams.

COUNTERPARTY RISK

Expose Known Scammers Before They Act

Counterparty Risk prevents damage by flagging from our network before transactions can occur. By leveraging consortium-based intelligence, it identifies known bad receivers, enabling you to proactively protect your customers.

IP DATA ENRICHMENT

Mitigate Risks by Pinpointing High-Risk Accounts

Don't settle for IP risk scores when you can know exactly what you're facing. Unit21's IP Data Enrichment reveals specific threats – from bots to proxies – helping you prevent account takeover with precision.

OUT-OF-THE-BOX SCAM RULES

Accelerate Detection & Response

OOTB Scam Rules provide a powerful starting point for detecting scams with minimal setup. These customizable rules identify suspicious behaviors, such as unusual transaction patterns or rapid logins, enabling faster responses to protect your customers.

BEHAVIOR DEVIATION AI

Uncover Undetectable Anomalies

Behavior Deviation AI uncovers subtle anomalies in user activity to proactively detect emerging scam threats. This AI-powered tool evaluates transaction legitimacy and automates investigations, helping reduce operational burden and safeguard customer trust.

Predict Returns & Reduce ACH Fraud Loss

Use AI to dramatically reduce return rates, speed up investigations, and ensure that transactions are processed swiftly, with Unit21's purpose-built ACH fraud solution.

ACH RISK SCORE

Predict R10 Returns Before They Happen

An ML model customized with your data flags R10s before they happen by providing a score and the reasons behind it. Significantly reduce ACH risk and return rates, so that you can focus on growing your business.

OUT-OF-THE-BOX ACH RULES

Detect ACH Fraud Quickly & Accurately

Unit21 is prescriptive in providing rules for common ACH fraud scenarios yet flexible with real-time monitoring, dynamic models, and editable rule templates. Start detecting ACH fraud within minutes of go-live to reduce false positives.

COUNTERPARTY RISK

Stop Fraudulent Transactions With Consortium Risk Signals

As part of our Consortium, you can block known fraudulent payment destinations to protect customers and reduce fraud losses. Prevent R10s by blocking fraud at the root, not after the fact.

AI AGENT FOR ACH FRAUD

Automate ACH Fraud Investigations

Rely on Unit21’s AI Agent to automate manual investigations and streamline case management tasks such as online entity search and document analysis while ensuring a human in the loop.Reduce investigation time by over 80% with our AI Agent.

Outsmarting Fraudsters: Key Moves for 2025 Success

This webinar goes deep into (and demos) Unit21's AI Agent, rule-building agility, and real-time monitoring.

Watch the webinar