Mastercard A2A Protect will use advanced AI to detect fraud – such as Authorised Push Payment (APP) fraud – before funds are transferred. It will analyse behavioural patterns in real time, helping banks prevent scams without disrupting genuine payments. A2A Protect will also enable banks to share data regarding fraudsters (such as confirmed fraud) to ensure fraud is being fought at an ecosystem level by leveraging the power of network.‎

Banks looking for AI/machine learning solutions to spot fraud and scams on account-to-account transactions in the UK, will benefit from Mastercard A2A Protect. It will use advanced AI to detect fraud including Authorised Push Payment (APP) fraud before funds are transferred. It will analyse behavioural patterns in real time and offer real-time risk scoring and shared intelligence across institutions. A2A Protect will also enable banks to share data regarding fraudsters (such as confirmed fraud) to ensure fraud is being fought at an ecosystem level by leveraging the power of network.‎

A2A Protect will be an overlay service that builds on Mastercard’s existing Consumer Fraud Risk (CFR) platform, already used by 15 banks in the UK – representing 90% of UK account-to-account payment. Participating banks will contribute and access fraud data through a permissions-based structure, enabling near-total market visibility from day one.‎

Mastercard A2A Protect will help banks resolve fraud and transaction processing error claims more efficiently by facilitating a consistent, multilateral process that reduces operational friction and accelerates resolution timelines. Through Mastercard’s central platform, it will offer a standardised dispute resolution and fund recovery process—minimising costs and ensuring faster, fairer outcomes for both consumers and financial institutions.‎