AI-powered fraud detection combining Visa tokenization with behavioral biometrics, targeting mid-market eCommerce and fintechs with sub-second decision latency.
SecureCheck AI revolutionizes payment security through machine learning-enhanced behavioral biometrics integrated with Visa’s tokenization network. Designed for businesses processing €5M+ monthly transactions, this solution reduces fraud analysis latency by 76% while maintaining 99.98% detection accuracy – a critical advantage in the €4.3B BEC fraud prevention market.
Core Functionality
Three-layer protection system:
- Visa Tokenization API for payment credential shielding
- Behavioral biometrics analyzing 150+ keystroke/device parameters
- ML models detecting anomalous transaction patterns (98.7% prediction accuracy)
Customizable rules engine allows merchants to set risk thresholds with 1-click payment holds.
Target User Segment
Primary clients:
- Mid-market eCommerce (€10M-€100M GMV)
- Fintechs processing >€5M/month in B2B payments
- Regional banks’ corporate services
Decision makers: 70% CTOs, 30% CFOs in 50-500 employee companies.
Tech Stack Recommendation
- Visa Tokenization API + AWS Fraud Detector
- Python/TensorFlow biometric models
- React.js dashboard with Node.js backend
- MongoDB Atlas transaction database
- PCI-DSS compliant Kubernetes infrastructure
MVP Development Costs
| Component | Hours | Cost (€100/h) |
|---|---|---|
| Detection Engine | 320 | 32,000 |
| Visa Integration | 120 | 12,000 |
| Biometric SDK | 180 | 18,000 |
| Total | 800 | 72,000-88,000 |
SWOT Analysis
- Strengths: 200ms decision speed, Visa partnership potential
- Weaknesses: Dependency on Visa’s API updates
- Opportunities: €17B addressable fraud prevention market
- Threats: PSD3 compliance complexity
Customer Acquisition Strategy
Cost-efficient channels:
- LinkedIn ABM campaigns (€120 CPM)
- Co-selling via Visa’s merchant network
- Free fraud score API for first 50 clients
Target CPA: €380-420 with 7% conversion from 14,000 leads.
Monetization Model
Hybrid pricing:
- €0.03/transaction + €1,500/month base
- Break-even at 42 clients processing €8M/month
- Core team: 6 FTEs (2 analysts, 3 engineers)
Market Positioning
Differentiates through:
- Behavioral layer missing in Forter/Sift solutions
- Focus on German Mittelstand (€2.1B local market)
- Embedded finance partnerships over direct sales
