Detect card fraud with greater confidence
Detect risky payments by combining behavioral, device, authentication, and transaction intelligence to authenticate cardholders
Protecting card payments in an increasingly sophisticated fraud landscape
Card-not-present fraud continues to evolve as digital commerce grows, and fraudsters adopt increasingly sophisticated techniques. Stolen card details, compromised accounts, automated attacks, and social engineering enable criminals to exploit legitimate customer identities while bypassing traditional fraud controls.
At the same time, issuers face growing pressure to maximize approval rates, reduce customer friction, and deliver secure digital payment experiences. Modern fraud prevention requires more than evaluating the transaction itself. It demands a richer understanding of customer behavior, device trust, authentication, payment context, and emerging fraud patterns before a payment is authorized.
A Unified View of Card Payment Risk
The Outseer Risk Engine continuously builds risk context across login, authentication and payment authorization. Multiple specialist machine learning models combine behavioral intelligence, device identity, IP address, network and location intelligence, authentication signals and transaction context to produce a single, explainable fraud decision.
From Fraud Assessment to Authentication. One Intelligent Decision.
The Outseer Risk Engine evaluates behavioral, device, transaction, and contextual intelligence to determine transaction risk. Where additional verification is required, Outseer's integrated EMV® 3-D Secure Access Control Server (ACS) delivers the appropriate authentication challenge. Authentication outcomes are immediately fed back into the same Risk Engine, creating a continuously enriched view of customer risk before the final fraud decision is made.
This unified approach enables issuers to optimize authentication, reduce unnecessary customer friction, and improve card-not-present fraud detection through a single, intelligent decision process.
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Why financial institutions choose Outseer
Financial institutions choose Outseer because it combines more than two decades of card fraud expertise with continued investment in AI, machine learning, and data science. Built on the Outseer Platform, Outseer Fraud Manager, and Outseer 3-D Secure share a common Risk Engine, enabling fraud prevention and authentication to work together as part of a single customer journey.
Maintain ongoing compliance with the ever-evolving 3DS protocol while minimizing fraud and maximizing card transaction approvals which in turn drive interchange income up. Your cardholders will enjoy a secure and frictionless digital shopping experience.
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Reduce fraud, prevent scams, and protect customers with industry-leading accuracy and minimal customer intervention.
Frequently asked questions about Card Not Present fraud
What is Card Not Present (CNP) fraud?
Card-not-present fraud occurs when a payment is made without the physical payment card being present, typically through e-commerce, mobile or digital channels. Fraudsters often use stolen card details, compromised accounts, or social engineering techniques to make fraudulent purchases.
How is card-not-present fraud different from card-present fraud?
Card-present fraud occurs when the physical card is used during the transaction. Card-not-present fraud relies on digital channels where merchants cannot physically verify the card, making fraud detection dependent on customer, device, behavioral and transaction intelligence.
How does Outseer detect card-not-present fraud?
Outseer builds risk context by combining behavioral intelligence, device identity, authentication signals, transaction data, and AI-driven risk scoring. This enables more accurate fraud decisions before payment authorization while reducing unnecessary customer friction.
Does Outseer work with EMV® 3-D Secure?
Yes. Outseer delivers phishing-resistant FIDO Authentication for 3-D Secure alongside AI-driven fraud prevention through the shared Outseer Platform. Combining authentication with fraud intelligence helps issuers make stronger risk decisions while improving customer experience.
Does Outseer support with EMV® 3-D Secure?
Yes. Outseer provides an EMV® 3-D Secure Access Control Server (ACS) built on the same platform and Risk Engine. Fraud risk is assessed, allowing authentication outcomes to immediately inform the final fraud decisions. This unified approach helps issuers strengthen fraud prevention and reduce unnecessary customer friction.
Can Outseer help prevent account takeover during card payments?
Yes. Account takeover is a common precursor to card-not-present fraud. Outseer combines behavioral, device, authentication and contextual intelligence to identify suspicious login and payment activity, helping issuers detect compromised accounts before fraudulent transactions occur.
How does Outseer reduce false declines?
Rather than relying on transaction data alone, Outseer combines multiple behavioral, device, authentication, and contextual signals to build a richer understanding of customer risk. This enables issuers to approve more genuine transactions while identifying high-risk fraud attempts with greater confidence.
Can Outseer work with my existing fraud environment?
Yes. Built on the Outseer Platform, Fraud Manager integrates with existing fraud, authentication and payment environments through open APIs and supported integration patterns, enabling organizations to strengthen card fraud detection while protecting existing technology investments.