Block the losses before they reach your books.
Truatos scores every transaction the moment it happens and keeps watching after it settles. Pre-payment, it checks device, card and behaviour signals to stop the obvious fraud and route the borderline to a human. Post-payment, it watches for refund abuse and friendly fraud before they become chargebacks.
Pre-payment
Post-payment
A blocked sale costs you once.
Fraud you let through costs you twice.
Every fraudulent transaction takes the goods, the fees and the chargeback that follows. Then it takes a real customer too, when a blunt filter turns them away. The decision has to be right in seconds, every time.
Score every transaction. Decide in real time.
Pre-payment scoring.
Device fingerprint, BIN and prepaid ranges, disposable-email detection, velocity and AVS/CVV. Each is scored on a 0–1 scale in real time, before the charge is ever authorized.
The borderline goes to a person.
Obvious fraud is blocked and clean traffic clears automatically. Only the gray zone ever reaches a human to review. That is the small slice that is genuinely ambiguous.
Post-payment watch.
Behaviour, refund abuse and chargeback prediction keep scoring after settlement. They catch friendly fraud while it is still a flag, not yet a dispute.
Every decision explained.
The reasoning behind each block and each approval is preserved in the audit trail. You can tune thresholds, answer your acquirer, and trust the call.
Risk
LiveCatch fraud. Keep good customers.
transaction
risk scale
decision
watched
Fraud is one front. Truatos covers them all.
When fraud slips through.
No filter catches everything. When a fraudulent charge clears and becomes a dispute, contest it with the evidence and win it back.
Chargeback recoverySet your own risk rules.
Make thresholds, block lists and review routing your own. It is a visual workflow you tune without code, not a black box you inherit.
OrchestrationDefend every checkout.
Scoring runs on payment links too. The same real-time checks protect every charge, whether it is on your site or in a conversation.
Payment linksSee what's slipping through today.
Frequently asked questions.
How does Truatos score transactions for fraud?
Truatos scores each transaction in real time across nine factors on a calibrated 0.0–1.0 scale. Those factors include device fingerprint, BIN and prepaid ranges, disposable-email detection, velocity, and AVS/CVV. Obvious fraud is blocked, clean traffic clears, and only the borderline gray zone is routed to a human.
Does Truatos catch friendly fraud and refund abuse?
Yes. Scoring continues after settlement. Truatos watches behaviour, refund abuse and chargeback signals so friendly fraud is flagged before it becomes a dispute. That covers the roughly 30% of chargebacks that cleared as a good sale.
Will fraud scoring block my good customers?
No. The model is tuned to clear clean traffic automatically and block only obvious fraud. The narrow gray zone goes to a person, so legitimate customers are not turned away. Every block and approval is explained in the audit trail.