Catch fraud in RTP, UPI, FedNow, and instant rails — in milliseconds.
Fraud doesn’t wait. Real-time payment (RTP) systems move funds instantly — but so do fraud rings, exploiting:
Traditional fraud tools weren’t built for this speed or complexity.
RaptorX delivers intelligent fraud defense that keeps up.
Transactions settle within seconds — no recall or review buffer
Bursts of small-value transfers often evade rule-based detection
Fraudsters use aliases and proxy UPI IDs to hide origins
Timing patterns are non-obvious (e.g., fraud spikes at midnight or near paydays)
Multiple devices and accounts often operate in coordination, not isolation
Flags sudden increases in transaction volume or value across RTP and UPI flows linked to the same entities.
Evaluates beneficiary aliases, device overlaps, and fraud proximity through graph intelligence to assess ring risk.
Catches late-night, holiday, or off-hour transactions that deviate sharply from normal account behavior.
Scales across high-volume RTP, UPI, FedNow, ACH, and wallet ecosystems.
Links devices, IPs, accounts, merchants, and aliases even mid-pattern.
Flags behavior deviation — not just known rule violations — for faster containment.
Feed into your compliance, risk, or fraud case queues seamlessly.
Built for high-speed, high-precision decisioning
Detects both known and unknown patterns — including first-time fraud
Works seamlessly across P2P, P2M, UPI, FedNow, and RTP transactions
Explainable, analyst-ready alerts without slowing down payments
See how RaptorX stops fraud before the money moves out — even in real-time.