Transaction Risk Scoring & Decisioning

Q: How fast is the scoring API?

Our scoring API returns results in under 100ms at the 99th percentile, making it suitable for real-time payment authorisation flows.

Q: Can I use my own ML models?

Yes. You can bring your own models and integrate them into our decisioning engine via our model API, combining your models with our feature engineering.

Q: What is a velocity check?

A velocity check monitors how frequently a customer performs an action (e.g. 5 transactions in 10 minutes) and flags or blocks when thresholds are exceeded.

Q: How do I handle false positives?

Our dashboard provides feedback tools to mark decisions as correct or incorrect. This feedback is used to retrain models and adjust rules to reduce false positives over time.

Score every transaction. Automate every decision.

VerifyAfrica's configurable risk scoring engine evaluates every transaction in real time, combining identity signals, behavioural data, and transaction patterns to generate accurate risk scores and automated decisions.

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<100ms

Scoring Latency

300+

Risk Features

99.9%

API Uptime

Fully

Configurable

How It Works

From submission to decision in seconds

A transparent, auditable process designed for speed and compliance.

Transaction Data Ingestion

Transaction details, amount, currency, counterparty, channel, and device, are submitted via API in real time.

Feature Engineering

Our engine enriches the transaction with 300+ derived features including velocity checks, peer comparisons, and historical patterns.

ML Risk Scoring

Multiple ML models score the transaction simultaneously. Scores are combined using an ensemble approach for maximum accuracy.

Automated Decision

A risk score and decision (approve/review/decline) is returned in under 100ms. Decision logic is fully configurable via rules or ML thresholds.

Capabilities

Everything included, out of the box

No stitching together multiple vendors. Every capability you need in a single API.

Real-time Scoring

Sub-100ms scoring latency for seamless integration into payment flows.

Configurable Rules

Visual rules builder for creating velocity checks, amount limits, and custom logic.

Velocity Checks

Monitor transaction frequency, amounts, and patterns across configurable time windows.

Peer Benchmarking

Compare customer behaviour against anonymised peer groups to detect anomalies.

Decision Workflows

Build automated decision workflows with step-up authentication and manual review routing.

Analytics Dashboard

Real-time analytics on transaction volumes, risk distributions, and decision outcomes.

Use Cases

Built for every industry in Africa

Trusted by fintechs, banks, iGaming operators, and more across the continent.

Payment Processors

Score every payment in real time to prevent fraud while minimising false declines.

Neobanks

Automate transaction monitoring and SAR filing workflows for AML compliance.

FX & Remittance

Score cross-border transfers for money laundering risk and sanctions exposure.

Lending

Assess repayment risk and detect early signs of default using transaction patterns.

FAQ

Common questions

Everything you need to know about Transaction Risk Scoring & Decisioning.