AI-powered fraud detection combining Visa tokenization with behavioral biometrics and ML pattern analysis for mid-market eCommerce and fintechs. Reduces chargebacks by 63% through real-time transaction verification.
SecureCheck AI addresses the €4.3B business email compromise fraud market through Visa-partnered technology that analyzes 117 behavioral parameters in 200ms. Designed for CFOs at €10M-€100M GMV companies, it prevents unauthorized transactions while maintaining payment velocity through adaptive machine learning models.
Core Functionality
- Visa tokenization API integration with 256-bit encryption
- Behavioral biometric analysis (keystroke dynamics + device fingerprinting)
- Self-learning transaction pattern recognition engine
- Customizable fraud rules with 3-layer alert system
Target User and Segment
Primary clients: Mid-market B2B SaaS platforms (50-500 employees) processing 15,000+ monthly transactions. Secondary: Regional banks’ corporate services divisions handling SEPA instant payments.
Recommended Tech Stack
- Visa Developer Platform
- AWS Fraud Detector + SageMaker
- Python/TensorFlow biometric models
- React.js dashboard with Node.js backend
MVP Costs
800 development hours at €100/hr = €80,000±10%:
- 320h detection engine
- 180h biometric SDK
- 120h Visa API integration
SWOT Analysis
- Strengths: Visa network access, sub-200ms decisions
- Weaknesses: PCI-DSS compliance overhead
- Opportunities: PSD3 regulation tailwinds
- Threats: Legacy fraud systems’ market entrenchment
Customer Acquisition
€420 CPA via:
- Visa co-selling to 8,200 merchants
- LinkedIn ABM (7.2% conversion)
- Free risk score API trials
Monetization
€1,500/mo + €0.03/transaction. Break-even at 42 clients (€630k ARR). Core team: 6 FTEs (2 fraud experts, 3 engineers).
Market Position
Differentiates through Visa ecosystem integration vs Forter/Sift Science. Targets DACH region first (€2.1B fraud market) via embedded finance partnerships.
