Built to outpace, outsmart, and outperform fraud

Payments intelligence refers to the use of advanced data analytics and machine learning to identify patterns and trends in payment transactions. In fraud management, it helps businesses detect suspicious activity in real time and reduce false positives. By leveraging payments intelligence, organizations can make smarter decisions and improve transaction security.

Payments intelligence is essential because it provides deep insights into transaction behavior, enabling proactive fraud detection. Traditional rule-based systems often miss complex fraud schemes, but payments intelligence uses predictive analytics to identify anomalies before they cause losses. This approach helps businesses stay ahead of evolving fraud tactics.

ACI’s fraud management solution integrates payments intelligence to analyze transaction data across multiple channels and geographies. It applies machine learning models to detect unusual patterns and optimize fraud prevention strategies. This ensures higher accuracy in identifying fraud while maintaining a seamless customer experience.

Yes, payments intelligence can significantly improve approval rates by reducing unnecessary declines caused by outdated fraud rules. By analyzing real-time data and customer behavior, businesses can distinguish legitimate transactions from fraudulent ones more accurately. This leads to better customer satisfaction and increased revenue.

Payments intelligence provides insights into transaction trends, risk scoring, and behavioral patterns that help businesses refine their fraud strategies. It can identify emerging fraud schemes, seasonal risk fluctuations, and geographic vulnerabilities. These insights enable organizations to make data-driven decisions and strengthen overall payments security.