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Payment Fraud Protection Solution

No payment fraud,
no money lost

Detect risky users, verify payment ownership, and stop fraudulent activity with one AI-driven fraud prevention platform.
Stop money
losses
Prevent illegal withdrawals and minimize fraud-related chargebacks
Keep partner
relationships strong
Build a reputation as a trusted payment partner, avoiding disputes and fines
Increase customer
loyalty
Save customers money and win trust with a strong security commitment
Verify every
detail
Confirm payment sources and assess risk before the money moves

Prevent payment fraud
with connected controls

Combine identity, payment ownership, device, behavioral, network, and transaction signals to detect fraud,
reduce payment losses, and act before funds move.

Verify payment methods before money moves

Use Payment Ownership Verification to confirm that cards, bank accounts, e-wallets, and crypto wallets are linked to the right applicant.
  • Match applicant data with payment source evidence using AI, OCR, or secure online banking connection
  • Retrieve trusted bank account details where direct connections are available
  • Supports global and local payment schemes, including Mastercard, Visa, and UnionPay
  • Screen crypto wallet risk through native or BYOK providers
  • Run checks during onboarding or trigger them later as a step-up

Prevent payout and withdrawal fraud

Detect unusual withdrawals, rapid cash-out activity, and changes to payout destinations before funds leave the platform.
  • Check newly added or changed payment methods
  • Trigger ownership verification when risk appears
  • Add Face Authentication to sensitive payment actions
  • Approve, review, restrict, or block activity based on the result

Detect connected and complex payment fraud

Combine payment method, device, behavioral, transaction, and network intelligence to uncover fraud patterns that isolated checks may miss.
  • Spot suspicious payment methods and payout destinations
  • Detect mule activity, multi-accounting, and coordinated abuse
  • Link related applicants, devices, and beneficiaries
  • Apply additional verification layers to complex or ambiguous cases

Strengthen payment compliance controls

Connect applicant, payment source, destination, and transaction data to support risk-based fraud and compliance decisions.
  • Link payment sources to verified users or businesses
  • Flag transactions that conflict with the customer profile
  • Assess payment source and destination risk in context
  • Maintain clear evidence for investigations and audits

Sumsub is a recognized Leader

  • KuppingerCole Leadership Compass

    KuppingerCole Leadership Compass

    Sumsub’s Fraud Prevention is recognized as an Overall Leader by KuppingerCole Analysts

  • Frost & Sullivan

    Frost & Sullivan

    A Leader in the Frost Radar™ for Fraud Detection and Prevention (KYC), 2023

  • Chartis RiskTech

    Chartis RiskTech

    Quadrant Category Leader Enterprise Fraud Solutions

  • Gartner

    Gartner

    Named a Leader in the 2025 Gartner® Magic Quadrant™ for Identity Verification

  • Forrester

    Forrester

    Recognized as a Leader in the Forrester Wave™

  • IDC

    IDC

    Named a Leader in IDC MarketScape for Worldwide Identity Verification in Financial Services 2025

Detect
all types
of fraud

Deepfake Detection
Device Fingerprinting
Fraud Risk Scoring
Phone/Email Risk Assessment
Device Fingerprinting
Fraud Network Detection
AI-based Event Monitoring
Fraud Risk Scoring
Identity Verification

Take
an action
immediately

Facial Authentication
Automated Case Profiling
Data Collection & Validation
Payment Method Check

Fast and hassle-free integration

You only require a one-time integration with Sumsub’s SDK, and most clients begin checks within one week. All further settings are code-free and available in the dashboard.

Fast and hassle-free integration

Don't take our word for it.
Here's what clients have to say

Our clients
Fraudsters
  • With Sumsub, we’ve managed to reduce user fraud to practically zero. Since we began using Sumsub, fraud is just one less thing we’ve had to worry about.
    Amram Adar
    Amram Adar
    Co-Founder and CEO
  • As an online marketplace, security and safety for our users are critical issues. We needed KYC software that we could trust. Partnering with Sumsub supported our platform’s growth by allowing us to onboard many more users safely and securely.
    Jonathan Cook
    Jonathan Cook
    Teacher Success Manager
  • Identity Verification
  • Address Verification
  • Fraud Detection
  • Anti-Money Laundering

Need the Ideal Solution?

Choose G2's Top Pick

Optimize your fraud detection and response strategy, where cost reduction is achieved effortlessly. Avoid internal development expenses with easy configuration and pre-designed anti-fraud rules.

  • 73Net Promoter
    Score
  • 92%Ease of
    use
  • 90%Ease of
    setup
* According to G2 2025 Identity
Verification Spring Report

FAQ

  • What is payment fraud prevention?

    Payment fraud prevention combines identity, payment ownership, device, behavioral, network, and transaction signals to detect suspicious activity and reduce fraud losses across deposits, transfers, refunds, payouts, and withdrawals.

  • What is Payment Ownership Verification?

    Payment Ownership Verification helps confirm that a payment method is linked to the expected applicant. Sumsub can compare applicant data with payment source evidence and apply the appropriate checks for bank cards, bank accounts, e-wallets, and submitted crypto wallets.

  • What payment methods can Sumsub verify?

    Sumsub supports checks for bank cards, bank accounts, e-wallets, and crypto wallets across major global and local payment schemes. The requested data and verification method depend on the payment method type and the configured flow.

  • Can Payment Ownership Verification be used after onboarding?

    Yes. Businesses can include it in onboarding or trigger it later as a step-up when a user adds or changes a payment method, requests a payout or withdrawal, or shows unusual account or transaction activity.

  • How can Sumsub help prevent payout and withdrawal fraud?

    Sumsub can detect unusual cash-out activity, newly added payment destinations, rapid deposit-to-withdrawal patterns, and other risk signals. Businesses can then trigger Payment Ownership Verification, Face Authentication, review, restrictions, or blocking before funds leave the platform.

  • Does Payment Ownership Verification replace Transaction Monitoring?

    No. Payment Ownership Verification checks the relationship between the applicant and the payment source or destination. Transaction Monitoring analyzes payment activity and patterns over time. Together, they help businesses detect risk and take the right action.

  • How does crypto wallet screening work?

    Businesses can collect wallet addresses, currencies, and chain details within the applicant flow and screen wallet risk using supported native or BYOK providers. The result can be used alongside applicant and transaction data to approve deposits, withdrawals, or on- and off-ramp activity.

  • Can Payment Ownership Verification support compliance controls?

    It can help businesses link payment sources to verified users or businesses, identify activity that conflicts with the customer profile, and maintain evidence for investigations and audits. It supports wider fraud and compliance workflows but does not replace a complete AML or transaction monitoring program.