ProductFabrick Advice

Fabrick Advice

Real-time risk analysis of transactions exempted from SCA - Strong Customer Authentication to optimise the conversion rate.

Risk analysis management for preventing frauds

Optimised Transaction Risk Analysis (TRA)

Real-time risk analysis based on artificial intelligence (AI) and machine learning optimises control processes, leveraging the opportunities offered by PSD2.

Increased conversion rates

Leveraging SCA exemptions, the solution directly targets conversion rates and maximises sales.

Double payment verification

The platform performs an initial check on transactions with low levels of fraud risk and then runs a second analysis to secure the transaction from potential chargebacks.

Improved customer experience

Efficient exemption management provides a seamless payment experience, reducing time at checkout and optimising customers’ shopping experience.

Pre-authorisation fraud analysis

After Fabrick Advice’s analysis, transactions that can be exempt from SCA are assigned a risk level indicator. According to the degree of risk, the indication can be to not capture the payment, apply SCA or switch to Guaranteed payments' second security check.

STEP 1

Initial assessment of transaction eligibility.

STEP 2

Pre-authorisation payment analysis.

STEP 3

"Fraud", "3DS2 suggested", "Request for exemption" outcome.

STEP 4

Exempt transactions accepted by the issuer are sent to Fabrick Guaranteed Payment for a second assessment.

STEP 1

Initial assessment of transaction eligibility.

STEP 2

Pre-authorisation payment analysis.

STEP 3

"Fraud", "3DS2 suggested", "Request for exemption" outcome.

STEP 4

Exempt transactions accepted by the issuer are sent to Fabrick Guaranteed Payment for a second assessment.

Latest insights

How AI is reshaping financial services: key trends, applications and business impact

AI is already changing the way banks, fintech companies, payment service providers (PSPs) and businesses design services, make decisions and safeguard customer trust. Against a backdrop of automation, agent-based AI, embedded payments and new anti-fraud challenges, the financial sector is now being called upon to ask itself: is artificial intelligence merely a tool for speeding up processes, or can it enable us to rethink the future of financial services?

Innovative Payment Methods: What They Are and How They Transform the Purchase Experience

Payment is no longer just the last mile of a purchase: it is an integral part of the experience. That is why, today, innovation means above all removing obstacles. Discover 5 innovative trends in the payments sector—from digital wallets to Pay by Bank—that can make a difference in an increasingly complex checkout process.

Agentic Payments: when the “buyer” becomes an AI agent

Agent-led payments shift commerce from user-driven checkout to an experience where an AI agent—within clear consent and rules—can choose the best payment method, execute the transaction, and manage post-purchase flows (returns, refunds, loyalty). For retailers and merchants, this means rethinking visibility, trust, and conversion: not only being discoverable to customers, but also to the agents buying on their behalf.

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