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Assess and reduce ACH payments risk

Transaction Intelligence preempts failures and fraud with a real-time audit of an ACH payment's key risk factors, allowing for dynamic holds and faster settlement.

You get a confidence score that reflects identity, fraud, and credit
evaluations, empowering your decisions on which payments to process, and which to reject.  

Secure your payments program against risky transactions

Evaluate real time account data and transaction attributes to determine likelihood of successful settlement.

Forensic Analysis

Examines entity-level information, including email and other provided identifiers, to detect fraud risk.

Financial Assessment

Incorporates credit, industry, merchant, and, in some cases, cash flow attributes to evaluate payment capacity.

Identity Variables

Verifies legitimacy and examines background of the account holder

Credit Determinants

Deciphers financial stability and reliability given account history

Fraud Predictors

Identifies suspicious attributes on the account’s history

Put fraud and its costs behind you with predictive, fully customized risk reduction models

Our risk models can predict return risk, with tailored thresholds and personalized confidence intervals designed for optimization of your specific payment flows. GrailPay is fully embedded in your native platform, enhancing customer experience behind the scenes.

Secure

Secure your platform’s volume with predictive scores indicating the likelihood of a failed payment

Refine

Refine your risk model with our white-glove partnership

Personalize

Tailor our models’ output to the needs of your payments ecosystem with personalized risk thresholds and alerts

Evaluate a counterparty's capability and intention on every payment

Deploying the best of modern advancements in AI and machine learning, Transaction Intelligence synthesizes previously disparate data, returning a unique confidence score on every payment’s likelihood of success.

Attribute
Description
Primary Category
Secondary Category
Address Independence
Number of entities at an address based on internal and external data.
Identity
Fraud
People Match
Individuals associated with the business.
Identity
Fraud
Liens
Historical lien records associated with the entity.
Credit
Fraud
Email Domain
Link between the email domain and the business.
Fraud
Identity
Bank
Financial institution associated with the account.
Identity
Fraud
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Secure your ACH payments program against risky accounts

Transaction Intelligence before payments are processed offers a range of operational enhancements to your ACH program.

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Prevent 
payment failures

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Reduce cost of
managing returns

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Offer instant
payments

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Guarantee
ACHs