Capabilities · Risk Intelligence

Fraud & Risk Detection

SAFPS intelligence, device signals, behavioural analysis and identity validation — orchestrated into one adaptive decision layer.

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Fraud risk — person reviewing a card in shadow, representing identity fraud threat

The challenge

Fragmented fraud stacks create blind spots.

From account takeover to payment fraud, new attack vectors created new vendors. What should be one decision layer now sits across disconnected systems — and the gaps between them are where fraud lives.

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Inconsistent risk decisions

Isolated checks create isolated scores. No unified view means weaker decisions and more manual intervention.

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Onboarding-only defence

Fraud doesn't stop after KYC. Without continuous monitoring, account takeover and SIM-swap attacks slip through unnoticed.

One connected fraud decision layer.

policy

Configurable risk policies

Build adaptive workflows around your own risk appetite using identity, behavioural and fraud signals.

speed

Real-time risk decisioning

Evaluate onboarding and transaction risk in real time using identity risk scoring and dynamic policy logic.

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Continuous fraud monitoring

Fraud risk changes after onboarding. Monitor evolving device, identity and behavioural indicators continuously.

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Full audit traceability

Every signal, score and workflow action is logged, timestamped and reviewable for compliance and investigation.

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Signal layers

Four signal layers. One intelligence system.

Most fraud platforms give you isolated checks. Contactable connects them into a unified decision engine.

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SAFPS Fraud Prevention

The deepest fraud database in SA.

As a strategic SAFPS partner, Contactable plugs the country's fraud prevention consortium directly into your decisioning — surfacing known fraud risk before customers reach your funnel.

  • SAFPS Fraudster Database: Direct API access to the consortium's record of known and suspected fraudsters, updated continuously by member institutions.
  • SAFPS Protective Registration: Flags identities consumers have voluntarily protected against impersonation — a high-confidence signal at onboarding.
  • SAFPS Additional Information: Supplementary intelligence on flagged identities for investigations and edge-case decisions.
  • 1:N Face Matching: Biometric duplicate detection against the consortium register — surfaces identities operating under multiple personas.

Beyond fraud

Fraud works better when identity connects.

Most fraud tools sit alone. Contactable connects fraud into the wider identity journey, so risk decisions sharpen as more signals connect.

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Decisions at the speed of fraud.

90%+ of decisions are AI-driven — so fraud signals are weighed, scored and actioned in the seconds that matter.

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90% of decisions are AI-driven

The defenders behind Africa's growth

The hard questions

Heads of fraud don't ask softball questions. Here's what enterprise buyers want to know before they switch fraud stacks.

Single vendors sell one signal. Contactable orchestrates four — SAFPS database, device intelligence, identity data and validation checks — into one decision flow. The seams disappear, and so do fraud paths that exploit them.

AI weighs every signal in context, not in isolation. A SIM swap against a clean SAFPS record and stable device reads differently from one with red flags elsewhere. Fewer good customers blocked, fewer fraudsters through.

SIM-swap detection identifies whether a mobile number was recently reassigned — a common signal in OTP interception and account takeover fraud. Combined with device intelligence and behavioural anomalies, it catches ATO attempts in real time — account takeover prevention built into the decision layer.

One API into the platform — every signal layer accessible without separate vendor contracts. Architecture and timeline depend on your existing stack, but a single integration replaces multiple.

Yes. The platform is agnostic by design — turn on the layers that match your fraud profile, add others as you scale. No rip-and-replace, no all-or-nothing commitments.

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further?

Our team can walk through your fraud stack and show exactly where identity risk scoring fits.

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One adaptive layer.
Every fraud signal connected.

See SAFPS, device, data and validation signals in one decision layer. Bring a real fraud scenario — we'll show each layer firing.

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