RiskControl

Real-Time Decisioning

Make smarter fraud decisions on every transaction with fine-tuned controls and built-in AI.

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A rule engine interface displays the definition and test of a transaction rule, showing inputs, its description, and a 'not hit' outcome.

Tailor authorization rules to fit your business

Create and implement rules for card transactions based upon your business logic and hundreds of data attributes.

Retain revenue and mitigate losses

Get in front of fraudulent card transactions to help protect revenue and reduce chargebacks.

Improve the cardholder experience

Accelerate growth without sacrificing the cardholder experience or ignoring card program risk.

How Real-Time Decisioning works

Real-Time Decisioning enables card issuers to take control of their card program and configure granular rules that determine how each and every transaction is approved.

Explore resources

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Data filtering criteria for risk assessment, including ATM, location, declines, and spend, pointing to a document.

Fine-tuned controls

Develop custom rules using your own business logic and external data, including card network risk scores, to apply to each card transaction.

A flowchart illustrates a credit card transaction approval process, highlighting factors like Cyber Monday, a low-risk cardholder, California location, a $250 amount, and NewShoes.com.

Decision in real-time

Card transactions will be approved or declined in real-time based upon implemented rules to align with card program objectives.

Diagram showing selected criteria: High risk audience, FoodMart + WalPort + Quicky Mart vendors, and Last 48 hours event.

Monitor outcomes

Review transactions and learn how existing rules are performing to swiftly adjust on the fly as needed.

A data visualization showing transaction records mapped to a horizontal risk scale, indicating low (green), medium (orange), and high (red) risk levels.

Risk Score

Improve fraud rates with an AI-powered predictive risk score that signals a transaction’s likelihood of risk to the Real-Time Decisioning engine and rule set.

Fine-tuned controls

Develop custom rules using your own business logic and external data, including card network risk scores, to apply to each card transaction.

Discover more insights

Stay up to date with the latest industry trends, expert discussions, and educational resources.

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Program management

Financial Services

Guide to Program Management

Guide

Program management

B2B Software

Abstracting complexity: how to navigate the payments ecosystem with confidence

Whitepaper

Issuing & processing

Marketplaces

Payment card economics for online travel agencies

Guide

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Launch your next payment innovation

Let's talk about how you can launch the program you've always imagined.

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Marqeta's support for these use cases varies by jurisdiction. Contact us for details on what is currently available in your jurisdiction, and what's on our roadmap.