Overview
Outsmart fraudsters with generative AI
IBM® Safer Payments helps you create custom, user-friendly decision models so you can adapt to emerging threats faster and detect fraud with greater speed and accuracy, all without vendor or data scientist dependencies.
IBM Safer Payments significantly accelerates modeling optimization by providing the analytics and simulation tools needed to continuously monitor business performance and adapt to emerging and modified fraud patterns.

Benefits
Delivers high performance results
Brings agility to fraud management
Proven in production
Open source data science
Feature spotlights
Join the AI revolution
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
Model factory

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

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

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

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
With IBM Safer Payments, we are reducing card fraud in France by more than USD 115 million per year
Rodolphe Meyer
CIO
STET
Up against this [P2P] challenge - along with the pressing needs for real-time decisioning and increased flexibility for our team, we’ve found IBM Safer Payments has exceeded our expectations
Norman Marraccini
General Manager Business Line Executive Retail Digital Payments, ACH and Real Time Payments
FIS
The three main benefits we see using IBM safer Payments: a 20% lower false-positive rate, the ability to make rule changes up to 90% faster than on traditional platforms, and the ability to manage all payment channels in one system
Dave Hemingway
Group executive, Product and Marketing
Indue
Announcements
Risk.net Asia Risk Awards 2020
IBM Safer Payments wins Fraud Detection and Prevention Product of the year.

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
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.
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