The Green Sheet Online Edition
December 22, 2025 • 25:12:02
Stop fraud in mobile payment apps
Vyntra, a global provider of transaction intelligence formed through the union of NetGuardians and Intix, launched Payment App Protection, a real-time fraud defense solution engineered to combat the rapid surge of illicit activity within mobile payment ecosystems. As consumers adopt peer-to-peer apps, instant transfers and secondhand marketplaces at accelerating rates, fraudsters have seized on vulnerabilities created by lighter oversight, fragmented protections and evolving scam techniques, Vyntra stated.
Payment App Protection uses a multi-layered approach that blends customer behavior analytics, device intelligence, transaction profiling and network-informed risk indicators to detect questionable activity before funds leave a user's account. Real-time pre-authorization screening enables banks and payment providers to block mule accounts, fake merchants, manipulated QR codes, rinsing schemes and compromised devices at the moment of initiation. Institutions can configure rules based on their unique risk posture, ensuring operational flexibility and compliance alignment, the company noted.
One of the platform's distinguishing strengths, Vyntra pointed out, is Community Scoring & Intelligence, which allows secure sharing of confirmed fraud insights across institutions.
When one bank identifies mule activity or a coordinated scam, others benefit immediately, accelerating detection windows and reducing investigative workload.
This collective intelligence model helps mitigate systemic threats that often propagate rapidly across digital payment networks.
"Payment apps have become one of the fastest growing channels for financial crime," said Chief Product Officer Yoann Vandendriessche. "Payment App Protection empowers banks and payment providers to act instantly against emerging threats while giving customers a safer, more trustworthy digital experience."
The solution also addresses social engineering patterns, advance goods fraud, device-enrollment compromise and emerging mule-recruitment techniques targeting younger consumers. By identifying risky behaviors early and isolating affected accounts, Vyntra helps financial institutions reduce operational strain, avoid reputational setbacks and protect end users from increasingly complex scams.
Supporting more than 130 institutions in over 60 countries, Vyntra continues to expand its capabilities in AML compliance, fraud detection and transaction visibility. Payment App Protection advances that mission by giving institutions the tools they need to navigate one of the fastest-evolving fronts in financial crime, Vyntra stated.
More information is available at vyntra.com/fincrime/payment-app-protection/. 
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