Card fraud costs issuers three ways: the transaction loss, the chargeback fee, and the operational cost of dispute resolution. False declines cost you differently — unhappy cardholders who switch to a competitor's card. GuardHive decisions fraud at authorization, before money moves. You reduce losses while keeping decline rates low, and you calibrate 3DS step-up precisely instead of guessing.
Your fraud challenges
CNP fraud is rising
Card-not-present fraud now drives the majority of your losses. Legacy systems react to chargebacks; they don't prevent them.
3DS is either too aggressive or too lenient
Step up every transaction and decline rates spike. Skip borderline cases and chargebacks climb. You need risk-based calibration.
Account takeovers hide until it is too late
By the time a cardholder reports unauthorized activity, dozens of transactions have processed. Early signals go unseen.
False declines damage cardholder loyalty
Good transactions get blocked. Cardholders switch to a different card in their wallet. Your top-of-wallet position erodes.
What changes after GuardHive
CNP fraud drops
Real-time detection at authorization prevents fraud before it becomes a chargeback. Dispute costs fall with it.
False decline rate cut
Precision scoring approves more good transactions. Cardholder satisfaction and top-of-wallet share recover.
ATO detected early
Device and behavioral signals flag unauthorized activity before the fraudster makes multiple purchases.
Faster disputes
Every fraud decision ships with a feature attribution breakdown. You respond to disputes with evidence, not speculation.
How it works for card issuers
At authorization
- Real-time decisioning on every card transaction
- Device fingerprint, IP, geolocation, velocity, and behavioral signals
- Separate CNP fraud and ATO risk scores
- Risk score and recommended action returned in under 50ms
3DS decisioning
- Trigger step-up only when risk crosses your threshold
- Reduce friction on low-risk transactions
- EMV 3D Secure compliant without over-stepping
Account takeover
- Identify new devices on established accounts
- Detect impossible geography (two countries in minutes)
- Flag spending pattern and merchant category anomalies
- Prevent cascading fraud across multiple merchants
Why card issuers choose GuardHive
- Prevention, not reaction. Fraud is caught at authorization, not after chargebacks arrive days later.
- No false-positive penalty. Precision scoring means more good transactions approved, not fewer.
- Cardholder experience first. Low friction. Transparent alerts. Control over your decline rate.
- Built for authorization speed. Cloud-native, multi-region. Sub-50ms decisions at scale.
- Compliance-aware. PCI DSS, PSD2, GDPR. Data residency options for regulated markets.