Fraud and Risk Services

Intelligence-driven protection across your entire payment’s portfolio.

Modern fraud moves across channels. Protection must too. enza delivers structured fraud, financial crime and authentication infrastructure that strengthens governance without suppressing growth.

3DSecure

Our optional account protection tool comes with a pre-integrated suite of industry-leading authentication options and delivers leading transaction success rates.

Protect your customers from digital fraud and identify theft with enza’s secure, compliant, and robust mobile app, including dynamic, biometric authentication.

Equip your merchants with the strongest security layer and protect their customers against the most advanced forms of attack.

Biometric authentication eliminate the risks of phishing, password theft and replay attacks.

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enzaGuard

Intelligent Fraud & Financial Crime Defence Across Your Entire Portfolio.

Modern fraud is no longer isolated to one channel. It moves across issuing, acquiring, ATM, instant payments and merchant ecosystems.

enzaGuard protects your full payments portfolio through:

Real-time monitoring
AI + deterministic rules
Cross-channel intelligence
Structured investigation & governance

Protect growth. Reduce friction. Strengthen governance.

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3D secure and biometric authentication

Our optional account protection tool comes with a pre-integrated suite of industry leading authentication options and delivers leading transaction success rates. The tool supports global schemes and offers merchants world-class speed, with better than industry-average processing times. enza’s 3DS solution scope covers the full payment journey:

Pre-integrated authentication
Orchestrated user journeys
Risk-based authentication
Access control server (ACS)
Multifactor authentication (biometric authentication)
Mobile app ID

Risk based authentication

Accept payments with confidence thanks to our secure, compliant SaaS:

Manage risk clearly with our configurable authentication policies: frictionless for low-risk, challenge for medium-risk, and decline for high-risk interactions
Enable advanced risk decisioning with real-time risk scores
Identify high risk transactions with real-time analysis of cardholder purchasing behaviour, transaction data, and device parameters
Protect your users against automated attacks and identify account take-over attempts in real-time
Our easy-to-use web application makes case management, list management, and rule management fast and simple – create your own rule-set to reflect the risk appetite of your organisation and your customers

Biometric authentication

Eliminate the risks of phishing, password theft and replay attacks. We work with Fido to give you the latest in biometric authentication for even faster, more effective protection:

Enables biometric authentication on all major browsers
Supports both app-less and password-less implementations, with no need for a mobile app for authentication
Supports roaming hardware authenticators and on-device authenticators like fingerprint scanners
Facilitates passkeys, the new standard in authentication driven across Google, Apple and Microsoft
Offers digital transaction signing that supports non-repudiation

Discuss your risk and transaction security needs

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