Online payment fraud prevention

Protect your business with smart, scalable fraud detection.

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Zai helps safeguard your payment workflows with intelligent risk scoring, merchant-level controls, and daily transaction monitoring. All while maintaining a seamless experience for your customers.

Intelligent Risk Scoring

Zai uses fraud scoring to assess both card and A2A transactions based on behavioural signals, payment method, customer history, and geolocation. Transactions that meet defined risk thresholds can be automatically flagged or blocked, helping your platform respond to emerging threats with agility.

Merchant Risk Management

Every business onboarded to Zai undergoes an underwriting process and KYC review, aligned with bank and regulatory requirements. This initial assessment enables us to apply appropriate risk controls and support a safer ecosystem across our network of platforms and merchants.

Ongoing Transaction Monitoring

Zai monitors transactions daily using a tailored rules engine to identify unusual activity, potential fraud, or compliance risks. Where anomalies are detected, our risk analysts investigate using internal tools and public data sources. Platforms may be contacted for additional details to help assess and resolve flagged transactions.

Chargebacks & Disputes

Zai notifies your team when a chargeback is received from the issuing bank. Zai helps platforms gather supporting evidence and assess patterns that may point to fraudulent activity. This supports your efforts to prevent future disputes and reduce risk exposure.

Built-In Protection for Modern Payments

Zai’s platform is designed with security at its core. From tokenised card data to real-time scoring, every element is engineered to safeguard your payments without slowing you down. Security is not an add-on. It's part of the foundation.

Multi-Factor Authentication (MFA)

Zai provides multi-factor authentication (MFA) on the Zai Dashboard to help protect your business from unauthorised access. MFA adds an extra layer of security beyond a username and password, requiring each user to verify their identity using a time-based one-time code from an authenticator app. For maximum protection, MFA must be enabled on individual user accounts, as shared accounts are not supported.

We strongly encourage all platforms to set up MFA for every Zai Dashboard user. This reduces the risk of compromised credentials and strengthens overall platform security.