Real-time Payment Fraud Prevention

Real-time detection
and instant decisioning that unlocks your revenue growth

Approve good payments and block fraud before money moves. Unit21 evaluates every transaction against your rules in under 150 milliseconds, fast enough for FedNow, RTP, Zelle, and other instant payments.

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Deploy with Confidence

Test every rule before it touches a customer

Fraud changes every day, and every new rule risks blocking good customers by mistake. Test new logic on live and historical traffic first, see the projected impact, and tune thresholds before a single alert reaches your team or a single customer is affected.

Shadow mode

Run rules silently on live traffic and preview the alerts they would create, with no customer impact and no extra work for your team.

Validation mode

Replay new logic against historical data to see how it would have performed, how much noise it creates, and how many false positives you can remove before it goes live.

Sandbox environment

Experiment freely. Adjust thresholds and tune strategies in a controlled environment with zero production risk.

What Makes Unit21 Different

Approve more good customers and stop more fraud

Unit21 evaluates each transaction against dynamic rules, behavioral signals, device intelligence, and consortium data, then approves, blocks, or escalates it in real time. You get higher approval rates and lower fraud losses, and your risk team controls the logic without waiting on engineering.

Agentic Rules Recommendation

Smarter rules, fewer false positives

Get high-impact rule suggestions based on your live transaction data and emerging fraud trends. Simulate each recommendation before it goes live, so detection improves without blocking good customers.

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Unified Real-Time Rules Execution

One fraud strategy across every payment rail

Run the same fraud logic across ACH, wires, RTP, cards, and more, with shared signals that strengthen every decision.

Rules Orchestration

Deploy changes in minutes, not weeks

Replace rigid logic with visual decision trees. Orchestrate checks, set execution priority and ship changes yourself, without an engineering ticket.

Velocity Conditions

Stop rapid-fire fraud as it happens

Track frequency, volume and behavior to catch structuring, drain attacks and rapid-fire payments.

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Device Intelligence

Spot compromised accounts at the moment of payment

Use device signals from the Unit21 Device SDK, including a device risk score, directly in your rules to identify account takeover and bot-driven fraud.

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Fraud Consortium

Catch emerging threats before they reach you

Spot known bad actors and new fraud patterns earlier with shared intelligence from 100+ participating institutions, covering 100 million unique individuals.

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Payment Screening

Block sanctioned parties in real time

Screen users, businesses, and counterparties against sanctions watchlists and alert on a match, with match thresholds you can configure and preview in validation mode before going live.

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Automated Decisioning

Decide instantly, with no manual bottlenecks

Approve, block, or escalate each transaction automatically, with no manual review step slowing the payment.

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Multi-Channel Coverage

Complete coverage, no blind spots

Monitor ACH, wires, P2P, A2A, cards and checks in one platform to remove silos and apply the same fraud controls to every payment type.

Fraud Use Cases

Fraud we stop before money moves

Real-time monitoring stops fraud, not just flags it. Unit21 checks each payment against behavioral signals, device intelligence, velocity patterns, and consortium data while it is still in flight.

Account takeover

Detect compromised accounts the moment behavior changes. Flag suspicious logins, device changes, unusual location shifts, and high-risk payment attempts as they happen.

Authorized push payment & social engineering fraud

Stop scams before customers send irreversible payments. Instant payments need instant decisions. Spot first-time payees, unusual payment sizes, behavior changes, and urgency patterns before funds settle over RTP, FedNow, wires, or ACH.

Rapid-fire & velocity-based fraud

Shut down bots and drain attacks in seconds. Catch abnormal transaction frequency, structuring and sudden value spikes as they happen.

Money mule & layering activity

Expose mule networks before they scale. Identify newly opened or dormant accounts that suddenly receive and disperse funds across multiple beneficiaries.

Real-time watchlist screening

Interdict sanctioned parties before payment release. Screen counterparties against sanctions lists and high-risk jurisdictions, and prevent regulatory breaches without slowing good payments.

Cross-channel fraud

One fraud strategy across every payment rail. Fraud does not stay in one channel. Monitor ACH, wires, RTP, cards, P2P and A2A through a single decision engine with shared signals, so a login anomaly on mobile can influence a wire decision moments later.