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    Anytime Capital
    Fraud protection

    Catch the bad payment before it becomes your problem

    Device intelligence, velocity rules and identity signals score every transaction before it settles — and when a dispute does land, the evidence is already assembled.

    Get startedTalk to our team
    • Screened before settlement
    • Rules you control
    • Evidence assembled for you
    Risk review · Transaction #88214

    $3,400.00

    Held for review · 2 signals flagged

    • Device seen beforeNo
    • Velocity, last hour4 attempts
    • Identity verifiedYes
    Auto-holdManual reviewAllow listFull audit trail

    How it protects you

    Layers, not a single switch

    No one signal catches fraud reliably. Stacking device, behaviour, identity and history is what separates a real customer from someone testing a stolen card.

    Device intelligence

    Recognise the device behind a payment, spot the ones that have failed before, and see through cleared cookies and private browsing.

    Velocity rules

    Too many attempts, too fast, from too many cards is the oldest signal there is. Set your own thresholds.

    Identity signals

    Tie a payment to a verified person or business, so a high-value charge isn't riding on a card number alone.

    Rules you actually control

    Auto-approve, hold for review or decline, based on amount, method, geography, device history or customer status. Tune it to your risk, not an industry average.

    Chargeback evidence, pre-built

    When a dispute arrives, the order, customer record, verification status and checkout session are already compiled into a response.

    Staying in control

    Fewer false alarms, faster real decisions

    Over-blocking costs more than fraud does. The point is to hold the handful of payments that genuinely need a human, and let everything else through untouched.

    • Review queue, not a black box

      See exactly which signals fired and why a payment was held, then approve or decline with one click.

    • Alerts when it matters

      Get notified on the patterns worth interrupting your day for, not on every routine transaction.

    • Role-based authority

      Decide who can release a held payment, who can issue a refund, and who can only observe.

    • Everything is attributable

      Every approval, decline and override is logged against a person, so decisions can be reviewed later.

    Risk queue

    Live
    • #88214 · New device, high valueHeld
    • #88209 · Velocity thresholdDeclined
    • #88201 · Verified customerApproved
    • #88198 · RoutineApproved

    Identity & verification

    Know exactly who you are dealing with

    The same identity checks that clear customers onto our own platform, opened up for yours. Send a link, and the customer proves who they are from their phone — no app, no account, no reader on your counter.

    Screening tells you a payment looks wrong. Verification tells you who is behind it — so the high-value charge you were going to hold can clear on evidence instead of instinct.

    • Face match with liveness

      A selfie checked against the photo ID, with liveness in the flow — so it is the actual person, not a photo of one.

    • Cards checked in real time

      The customer shows the card they are paying with and it is verified on the spot, before you hand anything over.

    • ID and document capture

      Licenses, permits, insurance certificates and tax forms collected from the customer's phone camera, with expiry tracked.

    • Device intelligence

      The device behind the payment is recognised — including the ones that have failed you before, through cleared cookies and private browsing.

    • Your branding, your coloursRolling out

      The verification step carries your name and palette, so it reads as part of your business rather than a hand-off to someone else's.

    • 3-D Secure step-upRolling out

      Push a high-value card payment through issuer authentication and move the chargeback liability off your books.

    Verification session

    Live
    • Face match & livenessWaiting
    • Card checked · ending 4242Waiting
    Checking who this actually is…

    How it works

    Protection that's on from your first charge

    There is no separate fraud product to buy or integrate — it screens every payment by default.

    1. 1

      Screening runs automatically

      Every payment is scored against device, velocity, identity and history signals before settlement.

    2. 2

      Set your own thresholds

      Decide what auto-approves, what gets held, and what is declined outright.

    3. 3

      Review what's held

      See the signals that fired and clear or decline the payment in one click.

    4. 4

      Disputes answer themselves

      If a chargeback arrives, the evidence package is already assembled and ready to submit.

    Businesses on the platform
    1,000+

    Businesses on the platform

    US states supported
    43+

    US states supported

    US-based support
    24/7

    US-based support

    Monthly platform fees
    $0

    Monthly platform fees

    Frequently Asked Questions

    Do I have to configure anything to be protected?

    No. Screening is on from your first payment with sensible defaults. Rule tuning is available when you want to tighten or loosen thresholds for your own risk profile, but nothing is required to get protection.

    Will this block legitimate customers?

    That is the risk with any fraud system, which is why held payments go to a review queue rather than being silently declined. You see the signals that fired and can approve a genuine customer immediately.

    What happens when I get a chargeback?

    The dispute response is assembled from the data already on the platform — the order, the customer record, verification status and the checkout session — so you are not reconstructing evidence from separate systems under a deadline.

    Can I allow-list customers I trust?

    Yes. Established customers and verified businesses can be exempted from rules that are aimed at first-time, high-risk traffic, so repeat clients aren't held up.

    Who on my team can release a held payment?

    Only the people you grant that permission. Role-based access separates viewing, approving and moving money, and every action is attributed to the person who took it.

    Take payments with the guardrails on

    Open a business account and every charge is screened from the first one — with disputes, verification and reconciliation handled in the same place.

    Get startedSee payments
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