Overview

Benefits

Feature spotlights

Join the AI revolution

IBM Safer Payments recommends the best decision models for your data and the threats you encounter most, while continuously monitoring business performance to adapt to emerging and modified fraud patterns.

Next generation approach

Enables you to use any data science, machine learning or artificial intelligence technique –from any vendor or open source –to outsmart fraudsters.

All channel solution

Includes specific functionality to protect cards, online banking, and real-time payments. Profiles behavior and payment flow through all channels for lower false positives and reduced fraud losses.

Freely configurable

Everything in IBM Safer Payments is easily configurable. Full adaptation to customer data model. New data feeds can be configured in minutes.

Bring your own model

Build neural networks, random forests, decision trees, and regressions, using your preferred tools. Combine models of different types into ensembles, to leverage the best of each modeling technology.

In-memory NoSQL database

Purpose-built dual-access database technology delivers peak performances of multiple thousand transactions per second that runs on commodity hardware and any cloud environment.

How it's used

Real-time payments fraud prevention

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Real-time payments fraud prevention

Criminals structure payments and "smurf" them through mule accounts to disguise the flow of money. IBM Safer Payments profiles each payment originator and beneficiary as both sender and recipient of payments in the past.

Model factory

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Model factory

To enable the combination of the best data science techniques, we created the "model factory" concept. It allows IBM Safer Payments users to pick the combination of techniques best suited to solve their fraud problem.

Online and mobile banking

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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.

Utilize open source data science

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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

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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.

What customers are saying

Announcements

Featured resources

IBM Safer Payments solutions brief

Learn how fraudsters are outwitting obsolete fraud prevention systems, stealing more from payment channels and eroding confidence. It’s time for a better approach.

Preventing fraud across all payment channels

Discover the industry’s first true cognitive fraud prevention solution to payment processing that protects some of the most complex payment portfolios in the world.

Technical background for IBM Safer Payments

Learn more about IBM Safer Payments’ architecture, technology and scaling considerations.

Forrester Total Economic Impact™

Read how Forrester determined IBM Safer Payments’ three-year financial impact through customer interviews and data aggregation.

Fraudsters continue to evolve

See how fraudsters are employing increasingly sophisticated and organized methods to exploit electronic payment arenas.

More resources

Videos

‎Introduction to IBM Safer Payments

‎Here's how it can counter payment fraud.

Protecting payments in Canada

A look at fraud prevention for real-time payments.

Corporate risk and fraud detection

How to protect payments from fraud, featuring fireside chat with Bank of New Zealand.

Blogs

IBM Watson supports Borgun’s international growth

Learn why Iceland’s first card issuer and acquirer uses IBM Safer Payments to achieve a 360-degree view of its fraud risk operations and to enable international growth and expansion.

STET - French national payment switch

Learn how analyzing and fraud-scoring each transaction in less than 10 ms resulted in an annual fraud loss savings of USD 230 million and a 1:1 false positive rate.

IBM Safer Payments helps Indue stop real-time payment fraud

See how using IBM Safer Payments for Australia’s real-time New Payments Platform (NPP) resulted in 20% improvement in lower false positives and 90% faster rules changes.

Banco Inter taps IBM AI for payment fraud prevention

Learn why Brazil’s first all-digital bank selected IBM Safer Payments to scale rapidly and allow their customers to make payments securely, efficiently and without friction, across the globe.

Case studies

Bank of New Zealand

Learn how the leading bank in New Zealand uses IBM Safer Payments to deliver cross-channel fraud protection for a frictionless and safer payments experience for their customers.

FIS

Read how integrating IBM Safer Payments within FIS’ P2P payment products resulted in a 72% drop in fraud losses and a 90% drop in false positives.

‎Qatar International Islamic Bank

Discover how Qatar’s leading bank uses IBM Safer Payments to deliver cross-channel fraud prevention to its customers, ensuring an innovative and positive customer experience.

SIBS

Discover how a leading European payment switch uses IBM Safer Payments to analyze payments for its customers resulting in 70% fraud loss reduction with false positives of a less than 1:3 rate.

Volt

Learn how Australian neobank Volt integrates IBM Safer Payments into its online banking platform to give customers a more seamless and secure banking experience.

Reports

Forrester Total Economic Impact™ Report

Discover the cost savings and business benefits enabled by IBM Safer Payments.

Ready to get started?

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