Track and assess payment events of any kind—from airtime and utility top-ups to card transactions and wallet transfers. EasyDetect’s payment monitoring engine analyzes behavioral signals, payment metadata, and device context to flag suspicious or high-risk activity before it impacts your platform. Whether it’s card fraud, SIM manipulation, or unusual VAS payment patterns, EasyDetect delivers an immediate verdict: Allowed, Pending, or Blocked.

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How It Works

When you send a banking event to EasyDetect, the system immediately performs a multi-signal risk analysis. It evaluates:
  • Transaction details like amount, currency, channel, and purpose
  • User profile signals, including account age, balance, registration time, and device consistency
  • Channel-specific logic tailored to VAS payments, airtime, card, or wallet transfers
  • Cross-referencing with past behavior, known fraud databases, and velocity rules
In milliseconds, EasyDetect returns one of three decisions:
  • ✅ Allowed – The transaction is safe to proceed
  • ⚠️ Pending – The transaction is flagged for manual review in the Case Management tab
  • ❌ Blocked – The transaction should be stopped immediately
These verdicts give you operational flexibility, automate decisions for low-risk events and review edge cases with full context.

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Step-by-Step Integration

1

Create a Flow

Log in to the Dojah Dashboard. Under EasyDetect, create a new fraud flow and select “Banking” as your use case. You can name it something like “Customer Transfers” or “Wallet Payouts.”
2

Define Rules

Use our rule builder to define fraud logic without writing code. Examples:
  • IF amount > 50,000 AND country = X → Mark as Pending
  • IF airtime purchase repeated 3x in 1 minute → Block
  • IF same device used for multiple users → Mark as High Risk
3

Send Events

Push your transaction data via POST to the unique ingestion URL provided in your flow’s settings. Ensure the type is set to banking and include relevant details like transaction metadata, user profile, device, and recipient.
4

Receive Decisions in Real-Time

Your system receives an instant verdict. Based on the result, you can:
  • Approve and proceed
  • Hold for review in the dashboard
  • Block entirely
5

Review Cases (if needed)

Suspicious events will automatically generate a case with all contextual data and rule triggers. Analysts can manually review and take action.
6

Report and Optimize

Use the reporting tab to analyze fraud trends, triggered rules, and verdict history. Iterate on your rule sets for better outcomes.

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What We Catch

EasyDetect flags more than static values. Here are a few fraud patterns it detects:
  • Rapid airtime/data recharge loops
  • Wallet-to-wallet fraud rings
  • Suspicious transfers to flagged accounts
  • Multiple failed VAS attempts from same device
  • High-value utility or POS transactions from new accounts
You can configure who receives email alerts for case review.

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Use Cases

  • Fintech Wallets – Monitor wallet credits, top-ups, and withdrawals
  • VAS Providers – Secure airtime, utility, and bill payments
  • Checkout Platforms – Review digital payment activity across users
  • Payment Processors – Add fraud insights to bank/card flow monitoring

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Why It Works

Most fraud isn’t just about what’s being paid. It’s about how, where, and when. EasyDetect captures those patterns in real time. You get a verdict in milliseconds, can review flagged events manually, and constantly evolve your rules through the dashboard.