Enhanced Card Intelligence
Real-time transaction screening and chargeback detection
pAIscreen is an AI-powered next generation solution for screening payments at scale and with precision.
By harnessing artificial intelligence, pAIscreen evaluates billing descriptors for potential fraud indicators to identify the likelihood a transaction will become a chargeback.
Early Chargeback Signal Detection
Through machine learning models trained on proprietary datasets, pAIscreen identifies hidden risk signals associated with coercion, unauthorized recurring payments, and synthetic identity fraud. This allows for timely intervention—even before the first dispute is filed.
Compliance-Driven Fraud Controls
pAIscreen supports compliance efforts by detecting descriptors linked to prohibited product categories or non-compliant refund practices. Issuers can tune filters to flag transactions that may violate internal or regulatory requirements, supporting due diligence and audit readiness.
Scoring via API
Billing Descriptor Scoring System
pAIscreen’s scoring system evaluates the likelihood of a billing descriptor being associated with fraud, high chargeback rates, illegal products, or potentially coerced transactions on a scale of 0%-100%
Proprietary Dataset
Leveraging artificial intelligence and a comprehensive dataset, it becomes possible to pinpoint the direct relationships between a merchant, their website, and the billing descriptor.
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Increased Transaction Acceptance
The risk decision-making process for Issuers is enhanced with a Merchant Risk Indicator to assess the probability of a merchant refunding the chargeback, facilitating enhanced transaction acceptance.
In-built Flexibility
Issuers can select specific data elements to incorporate into their risk assessment strategies to not only reduce chargebacks but also to prevent transactions connected to the sale of illegal goods or coerced transactions.
Business Analysis
Designed for seamless integration, pAIscreen offers a robust and flexible API suite that can be embedded into existing risk engines or stand-alone scoring modules. With sub-second response times, it's built to support high-volume environments.
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