The Fraud Rules Engine

Advanced Fraud Detection, Made for Financial Institutions

Protect every transaction with Neural Payments' customizable Fraud Rules Engine. Detect threats in real time, minimize fraud losses, and build trust with seamless integration into your banking system.

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Smarter Fraud Prevention with Real-Time Control

The Neural Payments Fraud Rules Engine empowers financial institutions to safeguard transactions with real-time fraud detection. Customizable rules, actionable alerts, and dynamic exclusion lists ensure robust security without disrupting legitimate transactions. Build customer trust, reduce fraud exposure, and enhance operational efficiency with a solution that integrates seamlessly into your digital banking ecosystem.

Digital Banking That Fits

Customizable Fraud Rules

Tailor fraud rules to your institution's needs with triggers like transaction limits, inactive senders, and recipient monitoring. Ensure precision with rules that adapt to unique scenarios, reducing fraud risks while maintaining operational flexibility.

Real-Time Action Alerts

Stay ahead of fraud with immediate alerts for rule violations. Notifications include detailed insights and actionable links, empowering your team to respond swiftly and prevent potential losses.

Dynamic Exclusion Lists

Block flagged recipients and proactively combat recurring fraud with institution-specific and global exclusion lists. Update lists effortlessly to maintain a secure, adaptable environment for every transaction.

Observation Mode for Testing

Refine fraud detection without interruptions using Observation Mode. Test and adjust rules to optimize performance, ensuring accuracy before fully enabling enforcement.

Top Integration

Granular Control Over Transactions

Enable fraud checks for interbank transfers while exempting low-risk intrabank activity. Customize settings to balance security and efficiency for a frictionless user experience.

Fast Install

Scalable Security for Growth

Whether you're handling small volumes or scaling operations, our fraud engine grows with you. Mitigate risks across diverse transaction types while adapting to emerging threats.

"Neural Payments’ fraud rule engine has allowed us to control our P2P losses, and the alerts help us detect online banking account takeovers more quickly.  The ability to quickly adjust rules, notifications, and block lists has helped us keep our fraud losses to a minimum."

- United Bank

How Neural Payments Works In The Real World

Interested to see how other industry titans are using Neural Payments? 

  • FIS Financial Technology

  • Q2 Digital Banking

  • Huntington Bank

  • American Airlines Credit Union

FIS offers Neural Payments to enable payment flexibility

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A new payment option gives Q2 customers the edge

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Why Huntington Bank choses payment flexibility

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How one Credit Union is putting payment power into their customer's hands

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Neural Payments At A Glance

Still Have Questions?

What Is a Payments Engine?

A payments engine is the core technology that enables the seamless movement of money between senders and recipients. Neural Payments' engine goes beyond simple transactions, providing a fast, secure, and flexible platform that integrates seamlessly with your financial institution’s digital systems. It empowers users to send payments instantly to any bank account, debit card, or popular fintech wallet, giving recipients the freedom to choose how they receive funds—no need for a shared app or platform.

With Neural Payments, you’re not just processing payments; you’re delivering a modern, customer-focused experience that enhances trust and satisfaction.

How Does Your Fraud Rules Engine Work?

Neural Payments' advanced fraud rule engine combines real-time monitoring, machine learning, and customizable rules to minimize fraudulent activity while ensuring smooth payment processing. Here's how it works:

  • Real-Time Detection: Transactions are analyzed instantly to detect unusual patterns, such as abnormal amounts or suspicious accounts.
  • Customizable Rules: Your financial institution can tailor fraud rules to match your risk tolerance, ensuring maximum protection with minimal disruption.
  • Proactive Updates: Our engine continuously learns and adapts to emerging fraud threats, keeping your institution one step ahead.

The result? A safer payments experience for you and your customers without sacrificing speed or convenience.

Who Can Receive Payments?

With Neural Payments, anyone can receive payments, regardless of their financial institution or preferred platform. Recipients have the flexibility to choose where they’d like the funds to go:

  • Directly to their bank account.
  • Onto a debit card.
  • Into a digital wallet, such as Venmo or PayPal.

This universal reach makes Neural Payments a standout solution, offering freedom and convenience to your customers while eliminating barriers for recipients.

What Payments Networks Do You Integrate With?

Neural Payments integrates with a broad range of payment networks to ensure flexibility and reliability for financial institutions and their customers. Our platform connects seamlessly with:

  • ACH and RTP rails for traditional and real-time payments.
  • FedNow for instant transactions.
  • Popular digital wallets like PayPal and Venmo.
  • Debit card networks for secure and rapid fund transfers.

By bridging these networks, we enable your customers to send payments to virtually any endpoint, delivering the most comprehensive payment options in the market.

How Is Neural Payments Different from Zelle or Payrailz?

Neural Payments offers a unique alternative to Zelle and Payrailz by addressing common challenges financial institutions face with these platforms:

  • Flexibility: Neural Payments allows customers to send payments to anyone—no shared app or bank account required.
  • Enhanced Security: Our fraud prevention engine detects and blocks fraudulent activities in real-time, and allows for direct input and adjustment from your organization.
  • Ease of Integration: Neural Payments integrates seamlessly into your existing digital banking platform, ensuring quick deployment and a consistent customer experience.
  • White-Labeled Customization: We elevate your institution’s brand with a fully white-labeled solution, unlike Zelle’s co-branded approach.

By combining flexibility, security, and user-focused design, Neural Payments empowers financial institutions to deliver superior payment experiences.

What Types of FIs Benefit Most from Neural Payments?

Neural Payments is designed to serve a wide range of financial institutions:

  • Community Banks and Credit Unions: Modernize digital offerings and compete effectively with larger banks.
  • Mid-Sized Banks: Address concerns like fraud reduction and provide real-time payments for enhanced customer satisfaction.
  • Large Financial Institutions: Our payments engine scales seamlessly within complex systems and we can customize offerings to deliver advanced payment solutions.
  • Non-Traditional Providers: Support diverse use cases, including account funding and disbursements, for fintechs and alternative financial institutions.

Whether you’re a small community bank or a large financial institution, Neural Payments equips you with the tools to thrive in a competitive payments landscape.

Empowering Payment Flexibility

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