Acquirers sit between the schemes and a long tail of merchants, directly or through payfacs. One integration with Fraudio and you can monitor your own merchant portfolio, extend fraud tooling to every payfac underneath, or do both, turning monitoring from a cost centre into a revenue line.
The same platform serves three customer shapes. Each one changes the economics differently, and every path runs on the same detection core and the same integration.
AML, transaction laundering, MID stacking, chargeback thresholds, and real-time authorisation scoring across the merchants you board directly. Replaces or complements legacy fraud tooling and risk ops.
Each payfac you onboard is spun up as its own tenant under your acquirer account. Their risk team works in their own isolated workspace. You keep central oversight across the portfolio.
Most of the economics leverage happens here. You run Fraudio on your own merchant portfolio and extend it to every payfac you board. One contract, one integration, two value streams.
Merchant-level fraud, transaction laundering, MID stacking, and chargeback abuse all start at the merchant entity and show up in the behaviour of its transactions. Fraudio gives you a holistic view of each merchant, entity-level patterns, peer-group signals, and the transaction stream itself, whether the merchant is yours directly or sits under a payfac in your portfolio.
New merchants and sub-merchants are scored before boarding, cross-referenced against behavioural patterns and peer groups across every connected acquirer and payfac on the Fraudio network.
Shell-merchant rerouting, miscoded MCCs, and aggregator abuse are detected by Fraudio’s models from the volume, pattern, and counterparty signals, not the merchant descriptor alone.
Early warning on merchants heading toward VAMP / VDMP / EDMP thresholds, before scheme fines and licence exposure crystallise.
Every auth scored in milliseconds with rules configurable per acquirer, per payfac, per merchant, per MCC, without compromising approval rates.
The merchant universe underneath an acquirer scales faster than risk teams do. Payfacs onboard hundreds of sub-merchants a week, most with thin histories. Losses originate at the merchant level. Scheme fines, transaction laundering, and chargeback abuse all surface long before they show up in a single transaction.
Every new merchant and sub-merchant gets an entity-level risk score before processing begins, not after losses appear.
Merchants deviating from their peer group on volume, ticket size, or counterparty mix surface automatically.
CNP cardholder fraud and merchant-side fraud run through independent models and separate alert streams.
Most fraud vendors train on a single institution’s data. For acquirers with growing merchant portfolios and payfacs underneath, that architecture has real consequences.
The centralised approach scales. The more acquirers and payfacs connect to Fraudio, the sharper the AI becomes for everyone. A siloed model’s ceiling is one portfolio’s data. Fraudio’s isn’t.
Fraudio already runs inside platforms acquirers and payfacs use to process and manage merchants. The channel partner model, multi-tenancy architecture, and go-live process are well established.
Silverflow is a next-generation cloud-native acquiring platform used by modern acquirers and payfacs. Fraudio runs as a channel partner inside Silverflow. Every acquirer on the platform gets fraud intelligence over their merchant and sub-merchant portfolio from day one, with no separate integration.
Cashflows is a UK & EU acquirer and payment facilitator serving ISVs, payfacs and merchants across the region. Fraudio operates inside Cashflows’ platform as a channel partner, delivering real-time transaction and merchant-level fraud detection across the full acquiring portfolio.
Fazz is Southeast Asia’s leading acquiring and payment facilitation platform, operating across Singapore and Indonesia. Fraudio runs as a channel partner inside Fazz, with real-time fraud detection and AML across every merchant and sub-merchant, delivered locally within each market.
PMI is one of the largest payment facilitators in Mexico with coverage across Latin America, running a full stack from payment gateway and POS terminals to high-volume collections and payment orchestration. Fraudio plugs into PMI as a channel partner, delivering merchant-level fraud detection, transaction laundering coverage, and AML across every sub-merchant in the portfolio.
PayTabs is a Saudi-built payment orchestration and infrastructure provider powering e-commerce, enterprises, fintechs, and governments across the Middle East and North Africa, with products spanning payment orchestration, SoftPOS, acquiring switch, card issuance, and a bank moderator platform. Fraudio integrates with PayTabs as a channel partner, extending AI-driven merchant-level fraud detection, AML, and transaction laundering coverage across the portfolios they process.
Enza is a pan-African payments platform built by the team that first stood up card processing on the continent over 20 years ago, covering acquirer processing, in-person acceptance (enzaPay), the enza Conductor online gateway, ATM acquiring, and AI-driven fraud via enzaGuard. Fraudio supports Enza across both sides of the book: as an acquirer running merchant-level monitoring on its own portfolio, and as a payfac platform extending coverage to every sub-merchant underneath.
How the channel partnership works for acquirers & payfacs: the acquirer integrates once with Fraudio. Every payfac underneath the acquirer, and every sub-merchant underneath each payfac, is covered by the same integration, segregated as its own tenant. No extra integration on the payfac’s side, no merchant-level lift. One integration. Full merchant portfolio covered.
Each capability is delivered through a single platform integration. The acquirer integrates once and every payfac, every sub-merchant, and every direct merchant can use any combination from day one.
Real-time authorisation scoring in milliseconds. 0–1 risk score → approve, step-up, or decline. Supervised AI catches known fraud; unsupervised AI catches novel and emerging patterns across the network.
Entity-level monitoring for merchants and sub-merchants. Detects transaction laundering, MCC manipulation, MID stacking, and chargeback abuse before scheme thresholds are breached.
AI-driven AML combining custom rules, link analysis, and behavioural modelling. Case management, SAR-ready exports, sanctions / PEP screening. PSD2, GDPR and EBA-aligned.
No-code LLM-powered rules editor. Deploy rules in seconds, backtest on historical data, promote to live. Full case management with SLA workflows and audit trails, configurable per acquirer, per payfac.
Acquirers run multi-merchant, multi-payfac portfolios. Fraudio’s orchestration layer is built for exactly that shape. The acquirer is the parent tenant, each payfac and direct merchant segment sits as its own subtenant, and sub-merchants are nested underneath.
Fraudio integrates at the acquirer level. Every payfac underneath, and every direct merchant segment, can be provisioned as a subtenant in hours, with isolated rules, isolated investigation queues, and isolated data.
The acquirer decides what to enforce centrally. Baseline AML rules, scheme-threshold protection, or mandatory controls can be set once and inherited by every payfac automatically, while each payfac still configures their own on top.
A new payfac is live on Fraudio in hours. They inherit whatever the acquirer has set, layer on their own merchant rules, and start processing. No IT project, no Fraudio involvement required.
Subtenant provisioning is fully API-first. The acquirer onboards a new payfac to the fraud platform in a single API call: account, users, keys. No manual steps.
Every payfac’s and merchant’s data is fully isolated. The acquirer has complete visibility across the portfolio from one console, with immutable audit trails for scheme or regulator review.
Acquirers can push baseline fraud, AML, or scheme-threshold rules across every payfac automatically. Payfacs inherit and enforce without manual work. They configure their own rules within those bounds.
On your own book: replace legacy monitoring, lower fraud losses, and stay ahead of scheme thresholds. On every payfac you onboard: revenue share on their processing. Combined, fraud tooling stops being a cost centre and becomes an accretive P&L line that scales with the portfolio.
Some acquirers position Fraudio as part of the acquiring stack, offering fraud tooling as a value-added capability to payfacs and merchants. Worth considering inside the product strategy.
How the hierarchy looks
✓ All payfacs and merchants isolated · ✓ Acquirer has full visibility · ✓ Immutable audit trail · ✓ Each payfac self-manages
A European acquirer deployed Fraudio across its merchant portfolio and changed how its risk team operates at scale, without growing headcount.
“Fraudio enables us to detect fraudulent merchants and money laundering, ensuring the safety of our clients against fraud in payments. This has been extremely helpful to our growth by providing us the ability to focus our efforts in a much more accurate manner.”
Makis Antypas, CIO, Viva Wallet
Read the full case study →How Fraudio’s patented centralised AI works and why the architecture matters for an acquirer managing payfacs and merchants at scale.
↓ DownloadReal-time authorisation scoring, dynamic 3DS, the rules engine, and how the network effect works in practice for acquirers.
↓ DownloadMerchant-side fraud, transaction laundering, MID stacking, and chargeback thresholds, caught early.
↓ DownloadAML in depth: link analysis, case management, PEP & sanctions, and SAR-ready exports for acquirers and payfacs.
↓ DownloadTechnical integration docs: REST APIs, webhooks, and SDKs. One integration for the full platform.
docs.fraudio.com →30 minutes with someone from the team. We’ll map this to your own merchant book, your payfacs, or both, and show you what go-live, multi-tenancy, and the economics actually look like for your setup. No slides-only pitch, no commitment.