Fraud Prevention with
Payment Fraud Detection Solutions
80%+
of merchants saw an increase in the use of real-time payment over the past year*.
6/10
merchants use tokenization in payments to reinforce payment security, boost authorization rates and enable convenient payment experiences*.
80%
of merchants struggle with using data and technology to improve accuracy of AI/ML tools to manage fraud*.
90%
Uptake of anti first-party misuse tools and tactics continues, with nearly 90% of merchants making us of compelling evidence*.
Advanced Payment Fraud Prevention
on Every Transaction
Our robust suite of fraud prevention solutions inspect transactions and mitigate payment fraud, protecting you and your merchants 24/7.
Kount Advanced Fraud Prevention
NMI’s fraud-protection solution, Kount, brings AI power to fraud prevention for medium- and large-sized merchants. From the moment Kount is turned on, it protects with no additional work required by the merchant or NMI partner.
See Kount in Action
Big Data Fuels Payment Fraud Prevention
Kount’s AI collects and shares data on fraudulent activity across its entire portfolio. That’s over 30 billion transactions reviewed annually, increasing its knowledge base and honing its fraud detection capabilities.
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Real-Time Fraud Detection Assessment & Flagging
Transactions are assigned a real-time fraud detection score and flagged as “Approved,” “Declined” or “Needs Review” for fast and easy handling by your merchants.
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Power Up Your Checkout with eCommerce Fraud Prevention
Easily add Kount fraud prevention to checkout pages using Collect.js and provide a fingerprint collector for increased accuracy and fraud mitigation.
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Set Up Protective Limits for Merchant Fraud Prevention
Kount enables your merchants to set thresholds around certain transaction variables. This fraud prevention solution helps them reduce fraud and other business-related risks.
NMI Advanced Fraud Protection by Kount
Almost any vertical or product can be a worthwhile target for fraud, and merchants need the best tools to deal with it. NMI is offering Kount because of its industry-leading, AI-driven fraud prevention for ecommerce, m-commerce and card-not-present transactions, providing real-time risk analysis and fraud assessment.
Ecommerce Fraud Prevention: iSpy Fraud Detection
Most fraud follows a pattern, so NMI gives your ecommerce merchants the power to set simple fraud detection rules that will help protect their businesses with iSpy fraud prevention. It’s a lower-cost option that keeps businesses safe from a wide range of fraudulent activities. Transactions that are outside of the merchant’s defined rules will be declined, while borderline transactions are flagged for further review.
Learn More About Fraud Prevention-
Play by the Rules to Stay Safe
Fraudsters use a variety of tactics to target specific businesses and industries. With iSpy Fraud, merchants can set up unique rules and thresholds to limit the types of fraudulent activity that threatens them.
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Transaction Limits for Payment Fraud Prevention
Your Merchants have the flexibility to set daily, weekly, monthly or yearly fraud prevention rules by both transaction value and volume. They can apply rules to all processors or just specific providers.
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Tools for Banning Fraudsters
Both blanket and individual bans can stop fraudulent users from making purchases, including those engaging in friendly fraud. If a legitimate user gets caught in the ban system, your merchants can easily make exceptions.
Automatic Card Testing Detection
Card testing is a widespread category of fraud where fraudsters test the validation of stolen card numbers by making small transactions that are less likely to trigger fraud alerts. Here’s how we detect and prevent that.
Protect Against Card Testing Fraud-
Real-Time Detection & Alerts
NMI helps your merchants combat this practice with Automatic Card Testing detection. Our algorithm detects fraudulent activity, restricts the suspect accounts and then sends real-time alerts to gateway users.
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At-the-Ready Transaction Reviews
Your merchants are sent a link to a landing page where they can review the potential fraud data, and if they deem the account safe, un-restrict the account.
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Expert Fraud Prevention Support from Real People
Unlike some of our competitors, at NMI, it’s easy to get a real support staffer on the phone to resolve issues. It’s just another way that our experts help keep our partners and their merchants safe from fraud.
Less Fraud, Higher Acceptance
& Lower Costs
Customer Vault
Safely store customer card information to enable faster, more secure repeat and future transactions. NMI’s tokenization solution, Customer Vault, transforms sensitive payment information into a secure and unique token value, allowing your merchants to process subsequent repeat and subscription transactions without having to store or re-collect and re-enter customers’ sensitive payment data. Payment fraud is reduced and acceptance rates rise.
Network Tokens
Boost payment approvals and reduce costs with the power of network tokens. NMI Customer Token Vault delivers all the benefits of tokenization allowing your merchants to repeat transactions securely without needing to store or recollect customer payment data, but with the distinction that tokenization occurs at the card network level. This keeps the tokens relevant even if the primary account number (PAN) on the underlying card has changed due to loss or expiration.
Resources & Insights
Fraud Defense Suite FAQ
Fraud prevention uses advanced security tools, technology and processes to identify and stop fraudulent transactions before they happen. Effective payment fraud prevention is essential for merchants to avoid costly chargebacks, lost revenue and damaging the trust of their customers. NMI’s Fraud Defense Suite delivers multi-layered protection with AI-powered fraud detection, rule-based filters and automatic card testing, to help your merchants minimize losses due to fraud while keeping approval rates high.
Products like Kount Advanced Fraud Protection use artificial intelligence and machine learning to power advanced fraud prevention and fraud detection. By analyzing data from more than 30 billion transactions annually, it evaluates hundreds of signals — such as device fingerprinting, IP geolocation, purchase patterns, velocity checks, and behavioral analytics — to assess risk in real time. Its adaptive AI continuously learns from new fraud tactics, sharing insights across its global network to enhance detection accuracy and reduce false positives for all protected merchants
Kount Advanced Fraud Protection is an AI-driven fraud prevention and detection solution designed for medium to large merchants processing higher transaction volumes. It uses machine learning to analyze data from over 30 billion transactions annually, delivering automated and guided payment fraud prevention and real-time risk scoring with minimal setup. iSpy Fraud, on the other hand, is a rule-based system that lets merchants set their own thresholds and controls for customized protection. It’s a cost-effective option for smaller merchants seeking straightforward fraud prevention without the complexity of AI. Many merchants combine both solutions for layered, comprehensive defense.