# Stop Payment Fraud | Bank-Grade Fraud Detection Before Funds Move Prevent fraud through ACH, RTP, FedNow, wires, and account-to-account by analyzing transaction behavior, counterparties, and network risk before funds move. ## Stop payment fraud before funds leave an account Detect suspicious payment activity across ACH, wires, RTP, FedNow, Zelle, and other bank payment rails. ## Complete fraud protection across all payment rails - $800K: Fraud losses prevented for a tier-1 bank - 60%: ACH fraud reduction for a leading neobank ### Pre-auth fraud detection Identify suspicious outgoing payments across before approval or release. ### Protect real-time payments Screen instant payments with the ability to hold funds for additional review. ### Unify all your risk data See a complete view of user risk across onboarding, login, and payments. ## Stop payment fraud before funds move, not after losses occur. ## Detect high-risk account transfers ### Bank Transfers Evaluate sender behavior, account history, and behavior patterns to identify account takeovers, scams, and mule activity. ### Real-time transaction scores Screen incoming and outgoing payments, counterparties, and payouts for signals of risk. ### Predict return risk Identify unauthorized debits, NSF exposure, and high-risk payments before submission or settlement. ### Configurable decisions by rail Approve, hold, reroute, or block transactions in-line by rail, amount, counterparty, and use case. ## Prevent fraudulent checks and deposits ### Deposit Fraud Detect altered checks, duplicate deposits, and abnormal deposit behavior using device, image, and transaction signals. ### Detect suspicious checks Identify risky checks using image analysis, duplication signals, and historical deposit behavior. ### Uncover replay and abuse patterns Spot repeated check usage, device reuse, and cross-account abuse attempts. ### Tie checks to customer context Link check activity to identity, device, and prior transaction behavior for deeper insight. ## Identify fraudulent payouts and payroll disbursements ### Disbursement Fraud Validate recipients and payout patterns to prevent fraud, account compromise, and misdirected funds. ### Detect mule and first-party fraud Identify payout abuse using behavioral baselines and network relationships across accounts. ### Score destination accounts pre-payout Evaluate bank account ownership, risk history, and reuse before funds are released. ### Automate low-risk payouts Approve routine payouts automatically while escalating anomalies for human review. ## See counterparty and network risk more clearly ### Counterparty Risk Analyze counterparties and connected accounts to surface hidden relationships and repeat offenders. ### Sonar consortium intelligence Identify risky counterparties using shared network intelligence beyond your bank’s transaction history. ### Analyze entity-level relationships ### Detect fraud rings Surface coordinated activity and mule networks before losses compound. ## AI agents for transaction fraud detection **Surface suspicious payments**, uncover patterns, and explain risk before funds move with the help of AI agents. ### Identify risky payments in real-time using machine learning models trained on bank transaction behavior. ### Detect new abuse trends and anomalies across rails using live transaction intelligence. ### Recommend rule updates based on changes in traffic, risk, and observed fraud patterns. ### Expose connected accounts, devices, and identities behind fraud with graph analysis. ## Backed by the industry’s leading agentic risk platform ### See risk beyond your walls Catch bank payment risk earlier with shared network intelligence across accounts, counterparties, and entities. ### Gain payment context Understand normal customer activity to surface anomalous behavior that signals fraud, scams, coercion, or account takeover. ### Let our models do the rest ML models enhance decisioning and reduce noise while giving you full visibility and control. ### Get the complete story behind a transaction Centralize alerts, evidence, decisions, and reviewer actions to investigate bank payment risk with complete context. ## Prevent fraud at every customer touchpoint Bank transactions are just one part of the journey. Stop financial crime at every stage of your customer journey. ### Card Acquiring Detect and prevent card payment fraud before authorization and settlement. ### Card Issuing Protect cards from account takeover, misuse, and fraudulent transactions. ### Bank Account Validation Verify bank accounts before funding, payouts, or ACH transactions. ## Frequently asked questions ### How does Sardine monitor bank transactions in real-time? Sardine evaluates every transaction before funds move using machine learning risk scores, rules, and behavioral signals. Decisions are made inline, approving low-risk payments while holding or escalating suspicious activity. ### Which payment rails does Sardine support? Sardine supports ACH, RTP, FedNow, wires, checks, payouts, and international bank rails, all within a single monitoring platform. ### How does Sardine reduce ACH returns and unauthorized debits? Sardine predicts ACH return risk by analyzing account behavior, identity changes, and network signals before transactions are submitted. ### How is transaction risk connected to customer identity and onboarding data? Transaction monitoring is integrated with KYC, KYB, sanctions, and device intelligence, providing full customer context for every payment decision. ### Are transaction decisions explainable and auditable? Yes. Each decision includes reason codes, supporting signals, and a complete audit trail to support investigations and regulatory review. ### How does Sardine handle real-time payments like RTP and FedNow? Sardine evaluates RTP and FedNow transactions inline before funds move. Because these rails are irreversible, Sardine applies pre-submission risk scoring using identity, account behavior, device signals, and network intelligence to prevent fraud before settlement. ### Can Sardine detect account takeover and payment redirection fraud? Yes. Sardine monitors changes in account ownership, payment destinations, device usage, and access behavior. Sudden shifts, such as new payout accounts or credential changes followed by transactions, are flagged as elevated bank payment risk. ### How does Sardine help teams investigate bank payment fraud faster? Sardine centralizes alerts, transaction data, identity context, and historical behavior in a single investigation workspace. This allows analysts to understand bank transaction risk quickly without switching tools or manually gathering evidence. ### Does Sardine support monitoring for high-volume marketplaces or platforms? Yes. Sardine is designed to monitor bank transactions at scale, including high-volume marketplace payouts and payroll disbursements. Automated risk scoring and workflows allow teams to review only high-risk activity while approving legitimate transactions instantly. ### How does Sardine help reduce operational burden for bank payment monitoring teams? Sardine automates low-risk approvals and prioritizes alerts based on real risk, not static rules. This reduces false positives, minimizes manual reviews, and allows teams to focus on investigations that materially impact fraud, returns, and compliance outcomes.