GuardHive is not a plugin or a black box. It’s infrastructure-grade fraud prevention—built on cloud-native principles, designed to integrate at the deepest layer of your payment flow, and operated with the rigor that payments requires.
Cloud-native architecture
Kubernetes orchestration. GuardHive runs on Kubernetes with auto-scaling across multiple availability zones. Traffic spikes don’t cause latency. Hardware failures don’t cause downtime.
Multi-region deployment. Primary deployment in the EU (GDPR, PSD2, eIDAS). Secondary regions in North America and Asia-Pacific for data residency and failover.
Stateless services. Every component (API, models, rules engine) is stateless and horizontally scalable. Add capacity without downtime.
Auto-scaling. Surge in transaction volume? The platform scales automatically. You never manage capacity.
API-first design
Everything in GuardHive is driven by APIs. There is no web-only feature.
Real-time scoring API. Send a transaction with device signals, receive a risk score and recommended action in under 50ms.
Rules engine API. Manage rules, weights, and thresholds programmatically. Version control your decisioning logic.
Case management API. Route cases, retrieve case details, update analyst decisions, and trigger model retraining.
Reporting and analytics API. Query fraud metrics, model performance, and transaction history. Build custom dashboards.
Webhooks. Subscribe to fraud detection events, case state changes, and model updates. Push data to your own systems.
Real-time decisioning
When a customer initiates a transaction, GuardHive runs decisions in real time—not in batch, not hours later.
Sub-50ms latency. Device signals arrive in one API call. Results return in under 50ms, including network roundtrip. No added latency at checkout.
Parallel model execution. Device Intelligence, Machine Learning models, and rules all run simultaneously, not sequentially.
Result deduplication. If multiple models flag the same issue, we deduplicate and return one consolidated score, not 10 separate alerts.
Configurable decision rules. Define what happens at each risk level: approve, challenge (3DS), review queue, decline. Change rules without redeploying.
Data handling and privacy
PCI DSS Level 1 certified. GuardHive is a Service Provider under PCI DSS. We handle card data according to strict compliance standards.
GDPR compliant. Data residency options for EU customers. Data deletion workflows. Subject access request support.
PSD2 certified. Open Banking directive compliance. Secure customer authentication (SCA) step-up triggering.
Data encryption. All data in transit (TLS 1.3) and at rest (AES-256) is encrypted.
Data sovereignty options. EU data stays in EU. US data stays in US. You control where your data lives.
No data sharing with third parties. GuardHive does not sell, license, or share customer data with anyone. Your transaction data is yours.
Machine learning operations
GuardHive’s models are not static. They improve over time through continuous retraining.
Continuous retraining. Models retrain weekly on the latest transaction data. New fraud patterns are captured automatically.
Model drift detection. We monitor model performance continuously. If accuracy drops, we alert you and investigate.
A/B testing framework. Test new models or rule changes against a production baseline. Move to production only when performance improves.
Explainability. Every fraud detection decision includes a feature attribution breakdown. You see which signals and rules triggered the score.
Human-in-the-loop retraining. When analysts make manual decisions (approving or overriding a flag), those decisions feed back into model retraining within 24 hours.
Compliance and certifications
PCI DSS Level 1. Annual audit and ongoing compliance monitoring.
ISO 27001. Information security management system certified.
SOC 2 Type II. Security, availability, and confidentiality controls independently audited.
GDPR Data Protection. Data Protection Impact Assessment completed. Data Processing Agreement in place.
PSD2 SCA. Secure Customer Authentication compliant. Support for 3DS decisioning.
eIDAS. Qualified Electronic Signatures available for audit and compliance documentation.
Integration patterns
GuardHive integrates into your payment flow at multiple levels:
At authorization. Real-time decisioning before payment approval. Highest impact fraud prevention.
At capture or settlement. If you need batch processing, GuardHive supports settlement-time decisioning too.
At billing. Recurring payment scenarios. Subscription fraud detection.
At 3DS decision point. Trigger step-up authentication based on GuardHive risk score.
At case management. Manual review workflows with full audit trail.
At reconciliation. Feedback loop: chargebacks, disputes, and manual decisions feed back into model retraining.
Dedicated support and operations
Every customer gets a dedicated Fraud Analyst on the GuardHive team. Not a rotating support rotation—a person who knows your business, your fraud patterns, and your rules.
Onboarding. Your analyst works with your team to define initial rule set, calibrate model thresholds, and validate integration.
Ongoing optimization. Weekly review of fraud metrics, approval rates, and false positive trends. Recommendations for rule and threshold adjustments.
Incident response. New fraud pattern detected? Your analyst investigates and proposes rule changes or model retraining.
Compliance support. Audit-ready documentation. Attestations. Help with regulatory inquiries.
Why this architecture matters
Traditional fraud systems are brittle. They require constant manual tuning and fail to adapt to new attack vectors. GuardHive is different:
- Fast: Sub-50ms decisions. No latency added to your checkout.
- Accurate: Machine learning and rules work together. Fewer false positives.
- Secure: Compliance-by-design. PCI DSS, GDPR, PSD2, and ISO 27001 certified.
- Scalable: Cloud-native. Handles billions of transactions daily without degradation.
- Transparent: Every decision is auditable. You see the reasoning.
- Adaptable: Rules and models change without downtime or code release.
Want to understand how GuardHive integrates with your systems? Book a technical consultation.