Stop fraud in milliseconds — without adding checkout friction
Every transaction is scored in real time from device, velocity and network signals. Step-up only when the risk justifies it, with an explainable reason on every decision.
Real-time decisions, explained
Every payment gets allow, review, 3-D Secure or block in milliseconds — always with a plain reason code your team can read.
Device & behavior signals
VPN use, missing fingerprints, copy-paste bursts and typing patterns raise the score before authorization ever happens.
Adaptive 3-D Secure
Step-up triggers only when risk justifies it — trusted customers stay frictionless.
Velocity guards
Race-proof counters per card, IP, device or customer. Sudden bursts are caught the moment they start.
Block & allow lists
Global and per-merchant lists across 8 data types — from card BIN and e-mail to IBAN and wallet address.
Human-approved ML
Three gradient-boosted models score fraud, betting and merchant risk. Every new version ships shadow → canary → approved.
Integrate without using our payment infrastructure
A merchant with its own gateway or POS and a payment institution scoring its own sub-merchants connect to the same engine. One call returns the decision; a second endpoint feeds the history that counting rules read.
const decision = await lunixi.fraud.evaluate({
subjectType: "card_payment",
channel: "standalone_api",
payment: { amount: 250000, currency: "TRY" },
customer: { id: "cus_88", isNew: true },
device: { ipAddress: ip, fingerprintId: fp },
merchant: { merchantRef: "sub_88", mcc: "7995" },
})
// → { decision: "force_3d", score: 0.72,
// reasonCodes: ["TCMB_3.1.2_6"], traceId: "..." }
await lunixi.fraud.events.record({
eventId: "evt_8812",
eventType: "transfer_completed",
subjectType: "transaction",
occurredAt: new Date().toISOString(),
})A decision in one call
You send the transaction and the context you have; allow, review, 3-D Secure or block comes back with its reason codes. You apply the verdict in your own authorisation step.
Event feed
Rules that count over time — velocity, distinct counts, sector comparison — need history. You feed transaction events singly or in batches; ingest writes synchronously, so the next decision sees the event immediately.
Sub-merchant context
As a payment institution you send your own merchant, its sector code and its trading history with the request; rules read that context and reports break down by sub-merchant.
Decision logs for reconciliation
Every decision is recorded permanently: which rules matched, which flow decided and the explainability summary can all be read afterwards.
Asymmetric authentication
Access is opened by requests signed against the public key you registered. Your private key stays with you; no shared secret sits with us.
Related capabilities
Identity Intelligence
Device fingerprinting, mobile app attestation and bot mitigation that separate trusted users from account takeover and cloned apps.
Rule Engine
Author payment policy in a DSL with shadow-mode testing. Version, simulate, and deploy routing and risk rules without code changes.
AML & Compliance
Real-time sanctions and watchlist screening, entity resolution and transaction monitoring aligned with CBRT, KVKK and global AML requirements.
Ready to replace your payment stack?
Talk to our team and get a live demo tailored to your integration complexity.
Enterprise inquiry → [email protected]