> ## Documentation Index
> Fetch the complete documentation index at: https://docs.dojah.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment Fraud Monitoring

> Score card, wallet, and airtime events. Catch fraud and abuse before it hits your platform with real-time verdicts.

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.

***

#### 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.

***

#### Step-by-Step Integration

<Steps>
  <Step title="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.”
  </Step>

  <Step title="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
  </Step>

  <Step title="Send Events">
    Push your transaction data via POST to the
    unique ingestion [URL](/fraud/monitoring/live-transactions#ingest-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.
  </Step>

  <Step title="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
  </Step>

  <Step title="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.
  </Step>

  <Step title="Report and Optimize">
    Use the reporting tab to analyze fraud trends, triggered rules, and verdict history. Iterate on your rule sets for better outcomes.
  </Step>
</Steps>

***

#### 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

<Note>You can configure who receives email alerts for case review.</Note>

***

#### 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

#### 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.