Mastercard Transaction Risk Management

What it does

AI analysis

The service analyzes transactions in real time using AI models and short- and long-term variables to identify patterns and spending trends.checked 5 Oct 2026

Audience

The product is presented for acquirers seeking to protect themselves and their merchants from payment fraud.checked 5 Oct 2026

Compliance

Mastercard says the solution helps protect the ecosystem and meet global and PCI compliance requirements.checked 5 Oct 2026

Coverage

The solution supports real-time scoring of card-present transaction data as well as online payment fraud detection.checked 5 Oct 2026

Deployment

Mastercard describes the solution as quick to market and says no development is required.checked 5 Oct 2026

Integration

Mastercard describes Transaction Risk Management and Merchant Monitoring as gateway-agnostic anti-fraud integrations powered by Brighterion AI and machine learning.checked 5 Oct 2026

Merchant Monitoring

Merchant Monitoring can work with Transaction Risk Management, using merchant rules to adjust how transactions are scored.checked 5 Oct 2026

Pre-authorization

The product identifies fraud at the pre-authorization stage.checked 5 Oct 2026

Purpose

Transaction Risk Management helps acquirers evaluate payment transactions to prevent and detect fraudulent behavior.checked 5 Oct 2026

Risk decisions

Transaction Risk Management can generate real-time recommendations to help automate decisions and reduce reliance on manual review queues.checked 5 Oct 2026

Rules

Acquirers can use acquirer-level or merchant-specific rules and rulesets to evaluate transactions.checked 5 Oct 2026

Scheme support

Mastercard describes the fraud prevention solution as scheme-agnostic.checked 5 Oct 2026