Payments happen in real-time. But so does fraud.

Payments and claims

Payments happen in real-time. But so does fraud.

Payments and claims are the fastest-moving, highest-stakes arenas in banking fraud. Pressure to process fast is relentless. Customers want instant everything, and with zero friction. But fraudsters can act faster than traditional systems can respond. Clearspeed delivers a real-time risk indicator at point of interaction that helps banks catch risk of fraud before it clears.

Fraudsters bank on your need for speed

Financial institutions have invested heavily in infrastructure to improve the customer experience - real-time payments, instant decisions, automated claims processing. But these very capabilities create an environment for fraud to thrive. And with current processes, the need for speed creates less room for the scrutiny needed to catch fraud risk.

Expedite the trustworthy. Expel the fraudulent.

CLARITY

Shine a light on hidden risk

A real-time risk indicator helps close the gap exploited by fraudsters. Clearspeed delivers an individual-level signal in the moment, not based on historical patterns or credentials. High-risk transactions get flagged, while the low-risk majority are cleared quickly.
SCALE

More transactions, same team

Fraud in millions of transactions is designed to be indistinguishable from legitimate activities around it. Teams tasked with finding it are finite, and need a smarter, faster way to triage at scale. Clearspeed operates across the full volume of payments and claims, providing the same precise, real-time risk assessment across each interaction. Teams become more efficient, more accurate, and more effective, without compromise.
SPEED

Low-risk interactions clear faster

When low-risk transactions are identified early, they move through faster. Faster decisions, less friction for the customer, a cleaner process for the team.

A unique indicator for risk of fraud

01
The questions
A short set of yes-or-no questions, answered by the individual.
02
The signal
Clearspeed analyzes for risk signals in the vocal response.
03
The indicator
You receive a clear risk indicator in real time.
Minimal risk
Fast-track
The transaction moves forward, no friction, no delays.
Elevated risk
Follow up for review
The transactions that need a closer look, get one.
01
AUTHORIZED PUSH PAYMENT (APP) FRAUD
Intervene before payments clear
Intervene before payments clear
Authorized Push Payment (APP) fraud can use the banks own systems against it, turning legitimate customers into unwitting accomplices. Use Clearspeed to:
  • Surface hidden indicators of payment risks
  • Identify early warning signs of vulnerable adult scams
  • Protect account holders by verifying and validating the transaction
02
CHARGEBACK FRAUD
Verify and validate
Verify and validate
Chargeback fraud is both a pervasive and underestimated form of financial crime, with bad actors exploiting a bank’s customer obligation. Clearspeed surfaces hidden indicators of payments or chargeback risk early, going directly to the source for a real-time assessment of risk.
  • Validate unauthorized access to a customer’s account
  • Determine legitimacy of disputes regarding receiving or possession of goods
  • Speed up low-risk transactions for reimbursement
03
SCAMS
Scams don’t hack the system. They hack the person.
Scams don’t hack the system. They hack the person.
Scams exploit the very real and personal side of a transaction – the human. Trust, fear, urgency – emotional manipulation drives the staggering financial loss. But on the systems side, everything looks legitimate. With Clearspeed, banks get a real-time, individual-level risk signal at the point of interaction, uncovering insight to better intervene, protect vulnerable customers, and stop money from moving before it’s too late.
  • Find early warning signs of romance scams, vulnerable adult scams, investment scams, and more
  • Identify illicit attempts to access an individual’s funds or personal information
  • Prevent impact on customer confidence and business operations

How Clearspeed enables trust verification at every transaction point

Clearspeed operates at the point of interaction, delivering an individual assessment of risk that no transaction record or behavioral pattern can replicate. Catch risk of fraud earlier, move legitimate customers through faster, and make the payments and claims operation work at speed. A few yes-or-no questions, grounded in decades of neuroscience.
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