Risk decisions that understand your vertical, not retail averages.
Most fraud tools are calibrated on physical-goods e-commerce and then pointed at everything else. SoniqPay scores each transaction against models trained on the behavior of the vertical it came from — deposits, top-ups, micro-transactions, and payouts behave nothing like a shipped order.
- Decision point
- Pre-authorization
- Signal classes
- Device, behavior, instrument, network
- Score latency
- Inline with the auth call
- Rule control
- Yours, per merchant
AI Fraud Prevention, end to end.
Four stages, each observable in the dashboard and addressable over the API.
Collect
Device fingerprint, session behavior, instrument history, and velocity across your whole portfolio.
Score
An ensemble model returns a risk score and the specific features that drove it.
Decide
Approve, challenge with 3DS, route to a stricter MID, or block — a policy you set, not one we impose.
Review
Every decision is explainable in the dashboard, with the option to label outcomes and retrain.
Scoring happens before the authorization, not after the loss.
A decision that arrives after settlement is a report, not a control. SoniqPay scores inline with the authorization call, so the outcome can change the route, trigger an authentication step, or stop the transaction while stopping it still costs nothing.
| Signal class | What it looks at |
|---|---|
| Device | Fingerprint stability, emulator and automation detection, IP reputation, proxy and VPN posture |
| Behavioral | Session shape, input cadence, navigation path, time-to-submit |
| Instrument | BIN intelligence, issuer response history, token age, prior dispute record |
| Velocity | Attempts per card, device, email, and account across your entire portfolio |
| Contextual | Amount relative to customer history, geography mismatch, time-of-day pattern |
What you get.
Everything below ships as part of ai fraud prevention — no separate module, no separate contract.
Explainable scoring
Each score comes with the contributing features ranked, so an analyst can defend the decision.
Velocity across the portfolio
Catch the card, device, or email cycling between your merchants, not just within one.
Behavioral signals
Typing cadence, session shape, and navigation patterns that separate a person from a script.
Policy over verdict
The model produces a score; your policy decides what happens at each threshold.
Challenge instead of block
Step up to 3DS or a stricter route rather than throwing away a marginal good customer.
Feedback loop
Chargeback and dispute outcomes flow back automatically to retrain against your real losses.
Works better with the pieces around it.
Each component is independently useful, but the value compounds when they share a decision path.
Gateway & Vault
A fully branded gateway and PCI-scoped vault that holds your card data as your tokens, not a processor's.
ExploreOrchestration & Smart Routing
A rules engine that decides where every transaction goes, watches how it performs, and reroutes when it doesn't.
ExploreGuaranteed Transactions
Qualified transactions carry a fraud-chargeback liability shift, so an approval you keep stays an approval you keep.
ExploreBring your own MID. We will bring everything else.
Early access is opening to platforms running real volume. Tell us your stack and we will tell you plainly where the technology moves your numbers.