Fraud and compliance exposure grows faster than your team.
We help you get ahead of it.

Fraud prevention, risk operations & compliance consulting for SaaS companies and ISVs scaling embedded payment programs.

Founded by operators who built and scaled fraud, risk, and payments functions inside hypergrowth SaaS and embedded payments businesses.

Request a Risk Review
Experience across teams using
Stripe Adyen Checkout.com Braintree Worldpay
Who We Work With

Built for SaaS Companies Running Payments

🔌

ISVs & Embedded Payment Platforms

When you embed payments into your software, you inherit fraud and compliance liability for every transaction your merchants run. Most ISVs don't have the in-house risk function to manage it.

  • Sub-merchant underwriting & onboarding risk
  • Processor compliance obligations (PCI, AML)
  • Liability exposure from merchant fraud losses
🏪

SaaS Marketplaces & Multi-Merchant Platforms

Operating a marketplace means managing fraud risk at scale, across hundreds or thousands of sellers. A single bad actor can trigger processor account reviews and damage your entire portfolio standing.

  • Portfolio-level fraud monitoring & alerting
  • Chargeback liability and dispute management
  • KYC flow design for high-volume merchant onboarding

What breaks when volume spikes

Scaling revenue often breaks default payment configurations.

Account Reviews & Holds

If risk flags trigger, processors can pause payouts fast. We align your risk logic with processor risk models to keep cash flowing.

🤖

Card Testing Attacks

Thousands of small authorizations from bots trigger risk flags and drive up processing costs ($0.30/attempt adds up fast).

⚖️

Hidden Liability & KYC Risks

Onboarding the wrong merchant can create losses, processor scrutiny, and portfolio risk. We build defensible KYC and underwriting flows that catch problems before they scale.

How we secure your growth

01

Audit & Architecture

Deep dive into your payment stack. We map out leaks, high-risk vectors, and friction points in your user journey.

02

Remediation & Ops

We deploy custom fraud rules across your payment stack, monitoring dashboards, and dispute defense SOPs.

03

Fractional Leadership

We stay embedded with your team — managing incidents, processor relationships, and risk as volume scales.

What We Build

Adaptive Fraud Rule Architecture

We architect custom fraud logic that blocks attacks without killing conversion. Processor-agnostic expertise across Stripe Radar, Adyen RevenueProtect, Checkout.com Risk, and custom internal tooling.

  • Platform-agnostic rule sets (Stripe, Adyen, Checkout.com, and others)
  • Card security strategies (3DS, AVS, CVC)
  • Precision allowlist/blocklist management
BLOCK IF :block_level: = 'high'
AND :ip_country: != :card_country:
AND :amount_in_usd: > 500.00

REVIEW IF :cvc_check: != 'pass'

Merchant Risk Monitoring

For marketplaces and platforms, we build monitoring logic that tracks sub-merchant health across your portfolio and flags risk before it becomes liability.

  • SQL queries for real-time risk dashboards
  • Slack integrations for instant fraud alerts
  • Underwriting criteria & KYC flow optimization
SELECT merchant_id, COUNT(*) as disputes
FROM payments
WHERE status = 'disputed'
GROUP BY merchant_id
HAVING disputes > 5;

Operational Playbooks & Incident Response

Without documented protocols, every fraud incident becomes improvised. We build clear operating playbooks for incident response, disputes, and decisioning so your team can move quickly without making risk worse.

  • Actionable Incident Response Plans for attacks
  • High-win-rate Dispute Evidence templates
  • Decision trees for Refund vs. Chargeback logic
[ALERT] BIN Attack Detected
├── 1. Activate "High Friction" Rule Set
├── 2. Isolate BIN prefix: 411111
└── 3. ACTION: Batch Refund (< 6 hrs)

Compliance & Regulatory Readiness

Embedding payments triggers real regulatory obligations. We build the compliance infrastructure — policies, frameworks, and documentation — so you stay audit-ready and processor-approved as you scale.

  • PCI DSS scope reduction & audit readiness
  • AML/BSA program design and policy review
  • KYC compliance frameworks & merchant onboarding documentation
  • Regulatory risk assessment for new payment markets
PCI DSS SAQ-D — Scope Reduced
AML Policy — Reviewed & Signed
KYC Flow — Documented
Merchant TOS — Needs Update
BSA Program — Not Implemented

// 2 items require immediate action
Case Studies

What the work actually looks like

Representative examples based on real operator work. Company details have been anonymized.

Series C EdTech Platform

From Processor Flag to Clear Standing

A Series C EdTech platform came to us after a $200,000 fraud event and rising processor pressure.

They had 15,000+ sub-merchants processing tuition payments through their platform and hadn't properly KYC'd a single one. Fraudulent sub-merchants slipped through onboarding, ran chargebacks the platform was fully liable for, and triggered a processor flag for chargeback ratio violations. They had no internal risk function. No playbook. No one who owned it.

In 30 days, we built one.

We deployed a full sub-merchant underwriting framework, designed the KYC flow their onboarding team now runs on every new sub-merchant, and stood up a real-time risk monitoring dashboard their ops team uses daily. We trained their internal team on dispute response and chargeback defense and stayed on as their fractional Head of Risk to own incidents, processor relationships, and ongoing monitoring.

The chargeback flag was cleared. The losses stopped. They now have the infrastructure to scale without repeating it.

$1B+

Annual volume secured

$200k+

Fraudulent losses stopped

30 days

Playbook deployed & team trained

How We Engage

Two ways to work with FraudSignal, depending on your stage, team, and risk exposure.

Ready to secure your growth?

Request a Risk Review

Tell us your processor, payment volume, and where risk is showing up.