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CONSUMER FRAUD RISK

Identify fraud and scam risks before funds leave accounts

Use network intelligence and real-time risk scoring to support faster, more informed fraud decisions.

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Billions

Of payments assessed for fraud risk¹

99%

Of risk scores generated in under 200 milliseconds¹

122%

Potential ROI with payback in under 6 months²

Understand fraud and scam risk beyond your institution

Consumer Fraud Risk helps financial institutions assess account-to-account fraud and scam risk using intelligence drawn from across the payment network.

Access network-level intelligence

Analyze payer and beneficiary account relationships beyond the view of a single financial institution.

Assess risk in real time

Receive transaction risk score, supporting reason codes and additional insights instantly.

Enhance existing controls

Embed Mastercard network intelligence into existing fraud controls and decisioning environments through lightweight, API-based integration.

How Consumer Fraud Risk Works

Consumer Fraud Risk transforms network-level account and transaction signals into real-time risk scores, supported by transparent reason codes and additional contextual data points for participating financial institutions.

Why Consumer Fraud Risk

Improve fraud detection

Help detect more fraud and scams without increasing false positives.

Increase operational efficiency

Give teams actionable insights to support faster investigations and customer interactions.

Strengthen ecosystem protection and trust

Leverage network-level risk signals that may not be visible within a single institution to help protect customers, institutions and the wider payments ecosystem.

Consumer Fraud Risk adds valuable external insight, particularly the beneficiary risk signal. It has helped us fine-tune interventions, reduce false positives and increase the fraud we detect.

Liz Ziegler Fraud Director Lloyds Banking Group

Recognized for innovation in fraud prevention

Consumer Fraud Risk has received industry recognition for helping financial institutions combat payment fraud.

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Best Solution for Combatting Fraud in Payments, 20253

BankingTech awards winner, 2026

Consumer Anti-Fraud Solution Winner, 20234

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Ready to strengthen fraud detection?

Discover how Consumer Fraud Risk helps financial institutions assess payment risk using AI-powered network intelligence and real time risk scoring.

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[1] Internal data. Mastercard, 2026.

[2] Modelled benefits for a composite organization in a commissioned Forrester Total Economic Impact™ study, 2026. Results are not guaranteed. Forrester TEI study, 2026

[3] FF PayTech Awards, 2025

[4] Payments Awards, 2023