Overview
Detect fraud in real time. Adapt before attackers do.
IBM® Safer Payments helps you create custom, user-friendly decision models so you can adapt to emerging threats faster and detect fraud patterns with greater speed and accuracy, all without vendor or data scientist dependencies.
What’s new
Features
Key features
Online and mobile banking
IBM Safer Payments uses data from actual online and mobile banking sessions. Built-in device ID capability, with device behavior profiling and a device reputation database and biometric parameter recognition hardens this channel.
Model factory
Build, test, and deploy fraud detection models directly on production data without interrupting real-time processing. Combine rules and machine learning to continuously adapt to evolving fraud patterns and improve detection accuracy.
Online and mobile banking
Detect and prevent fraud across digital banking channels in real time by analyzing user behavior, device signals, and transaction patterns. IBM Safer Payments enables accurate detection of account takeover, scams, and unauthorized activity with low latency and minimal customer friction.
Utilize open source data science
IBM Safer Payments is the most open data science platform for payment fraud prevention currently available in the market. Export and import models in portable PMML format and ingest models or feature extractions as Python code.
Multitenancy and multichannel
IBM Safer Payments provides hierarchical multitenancy. It efficiently manages hundreds of tenants, each customized. Inheritance allows maintenance of central models and configurations.
AI agents connect directly to IBM Safer Payments through the Model Context Protocol (MCP) Server to pull live risk data, correlate behavioral signals, and prioritize cases automatically. Your fraud analysts focus on the decisions that matter - not the manual legwork. Works with any MCP-compatible AI platform.
Use cases
Reduce fraud risk across payment channels
Protect transactions across card payments, real-time payments, digital banking and check deposits, helping organizations detect fraud, reduce risk and support secure customer experiences.
Protect card issuing and authorization across credit and debit cards, POS, ATM and e-commerce to reduce fraud risk throughout payment activity.
Keep real-time and mobile payments safer through peer profiling, helping organizations prevent fraud as customers move money between accounts.
Strengthen online and mobile banking with identity, device fingerprinting and biometrics to detect fraud and reduce risk across digital interactions.
Spot suspicious check deposits through behavioral profiling and kiting detection, helping organizations reduce fraud risk during deposit processing.
Case studies
Trusted by payment leaders worldwide
BORICA Bank Services
BORICA strengthened the security of Bulgaria’s national payment infrastructure by using IBM Safer Payments to detect and stop fraud in real time across high-volume payment transactions.
Resources
Resources for smarter fraud decisions
Explore expert guidance, industry insights and practical strategies to improve fraud detection, reduce risk and support payment integrity.