ShieldPay is currently under development. The details below preview what we're building.

/ ShieldPay

Risk scoring that decides in under 100 ms.

An AI-powered fraud detection and risk scoring API for payment platforms. One call, one score, one decision, with the reasoning attached.

/ Three-tier risk model

Not every risky transaction deserves a decline.

Binary approve/reject models leak revenue. ShieldPay routes each transaction into one of three outcomes based on a calibrated risk score.

Score 0.00 – 0.39

Low-risk traffic clears straight through with no added friction, preserving conversion on your genuine customers.

Score 0.40 – 0.74

Ambiguous transactions trigger adaptive challenges, OTP, device re-binding or biometric re-confirmation, instead of a blunt decline.

Score 0.75 – 1.00

High-confidence fraud is stopped before settlement, with the full feature explanation attached for dispute handling.

Approve (0-20)Step-up (20-70)Block (70-100)

/ Capabilities

A single synchronous endpoint returning score, decision, and contributing features, designed to sit inline in the authorisation path.

Typing cadence, touch pressure, navigation rhythm and device handling build a passive identity signal that is hard to replay.

Cross-account velocity, payout fan-out patterns and beneficiary reuse expose mule networks before funds leave the ecosystem.

Device fingerprinting, emulator detection, IP reputation and SIM-swap correlation.

Every score ships with ranked feature attributions so risk teams and regulators can audit outcomes.

Confirmed chargebacks and cleared disputes retrain portfolio-specific models on a continuous cycle.

/ Who it's for

Protect merchant portfolios at scale without adding checkout friction across millions of daily transactions.

Layer behavioural risk on top of core banking controls for UPI, cards, net banking and account opening.

Catch synthetic identity and first-party fraud at onboarding and disbursement, not at collections.