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Payments fraudsters are embracing not just the transaction, but the associated elements of a transaction, such as exploiting account creation and changes prior to the payment. That’s one reason Accertify Inc. launched its Predictive Yes Platform.
Itasca, Ill.-based Accertify says the new platform addresses these issues by combining identity, behavioral, historical, and purchase signals across the customer lifecycle while making decisions on a continual basis.
“Fraudsters don’t respect org charts,” Greg Dukat, Accertify chief executive, says in a statement. “They treat account creation, login, checkout, and post-purchase as one continuous attack surface.”
To do that, the Predictive Yes Platform relies on Accertify’s vast transaction data. It processed more than 10 billion transactions valued at $1.25 trillion between May 1, 2025, and April 30. That data, in a consortium approach, is analyzed across its clients who can share anonymized fraud data across merchant segments, enabling patterns found anywhere in the network to be highlighted within its customer base.
Accertify, which was acquired by private-equity firm Accel-KKR in 2024 from American Express Co., also employs artificial-intelligence models to devise decision policies and triggers and uses machine learning to show how fraud attacks may be structured, which it calls a graph network.
“Graph network capabilities now bring real-time detection of fraud rings and coordinated attacks by mapping complex, non-linear relationships between identities, devices, behaviors, and transactions. And updated industry-specific AI models bring deeper vertical signal training to bear, improving precision for Accertify’s largest client segments,” Accertify says.
