See why a payment looks risky.
Most fraud tools return a number and cannot tell you why. VertexY scores the network behind a transaction and shows the evidence behind every decision.
- 4
- signals scored
- 0
- data stored
- v2
- engine
Try the engine
Real scoring code, synthetic data, nothing stored
One device runs many small authorisations in quick succession while rotating payment details.
View the exact synthetic payload (2 history, 8 assessments)
{
"presetId": "card_testing_burst",
"history": [
{
"label": "Confirmed fraud neighbour A",
"secondsBeforeStart": 7200,
"outcome": "confirmed_fraud",
"assessment": {
"transactionId": "demo_tx_burst_history_a",
"userId": "demo_user_fraud_a",
"amountMinor": 4900,
"currency": "USD",
"ipAddress": "203.0.113.21",
"deviceFingerprint": "demo_device_burst",
"paymentMethodHash": "demo_payment_history_a",
"shippingAddressHash": "demo_shipping_primary",
"billingAddress": {
"country": "US"
},
"shippingAddress": {
"country": "US"
},
"cardDetails": {
"bin": "411111",
"last4": "1111",
"network": "visa",
"issuingCountry": "US",
"cardType": "credit"
},
"deviceMeta": {
"timezone": "America/New_York"
},
"ipGeo": {
"country": "US",
"lat": 40.7128,
"lon": -74.006
}
}
},
{
"label": "Confirmed fraud neighbour B",
"secondsBeforeStart": 10800,
"outcome": "confirmed_fraud",
"assessment": {
"transactionId": "demo_tx_burst_history_b",
"userId": "demo_user_fraud_b",
"amountMinor": 4900,
"currency": "USD",
"ipAddress": "203.0.113.21",
"deviceFingerprint": "demo_device_burst",
"paymentMethodHash": "demo_payment_history_b",
"shippingAddressHash": "demo_shipping_primary",
"billingAddress": {
"country": "US"
},
"shippingAddress": {
"country": "US"
},
"cardDetails": {
"bin": "411112",
"last4": "1122",
"network": "visa",
"issuingCountry": "US",
"cardType": "credit"
},
"deviceMeta": {
"timezone": "America/New_York"
},
"ipGeo": {
"country": "US",
"lat": 40.7128,
"lon": -74.006
}
}
}
],
"assessments": [
{
"label": "Attempt 1",
"offsetSeconds": 0,
"assessment": {
"transactionId": "demo_tx_burst_1",
"userId": "demo_user_subject",
"amountMinor": 150,
"currency": "USD",
"ipAddress": "203.0.113.21",
"deviceFingerprint": "demo_device_burst",
"paymentMethodHash": "demo_payment_burst_1",
"shippingAddressHash": "demo_shipping_primary",
"billingAddress": {
"country": "US"
},
"shippingAddress": {
"country": "US"
},
"cardDetails": {
"bin": "411110",
"last4": "1200",
"network": "visa",
"issuingCountry": "US",
"cardType": "credit"
},
"deviceMeta": {
"timezone": "America/New_York"
},
"ipGeo": {
"country": "US",
"lat": 40.7128,
"lon": -74.006
}
}
},
{
"label": "Attempt 2",
"offsetSeconds": 20,
"assessment": {
"transactionId": "demo_tx_burst_2",
"userId": "demo_user_subject",
"amountMinor": 175,
"currency": "USD",
"ipAddress": "203.0.113.21",
"deviceFingerprint": "demo_device_burst",
"paymentMethodHash": "demo_payment_burst_2",
"shippingAddressHash": "demo_shipping_primary",
"billingAddress": {
"country": "US"
},
"shippingAddress": {
"country": "US"
},
"cardDetails": {
"bin": "411111",
"last4": "1201",
"network": "visa",
"issuingCountry": "US",
"cardType": "credit"
},
"deviceMeta": {
"timezone": "America/New_York"
},
"ipGeo": {
"country": "US",
"lat": 40.7128,
"lon": -74.006
}
}
},
{
"label": "Attempt 3",
"offsetSeconds": 40,
"assessment": {
"transactionId": "demo_tx_burst_3",
"userId": "demo_user_subject",
"amountMinor": 200,
"currency": "USD",
"ipAddress": "203.0.113.21",
"deviceFingerprint": "demo_device_burst",
"paymentMethodHash": "demo_payment_burst_3",
"shippingAddressHash": "demo_shipping_primary",
"billingAddress": {
"country": "US"
},
"shippingAddress": {
"country": "US"
},
"cardDetails": {
"bin": "411112",
"last4": "1202",
"network": "visa",
"issuingCountry": "US",
"cardType": "credit"
},
"deviceMeta": {
"timezone": "America/New_York"
},
"ipGeo": {
"country": "US",
"lat": 40.7128,
"lon": -74.006
}
}
},
{
"label": "Attempt 4",
"offsetSeconds": 60,
"assessment": {
"transactionId": "demo_tx_burst_4",
"userId": "demo_user_subject",
"amountMinor": 225,
"currency": "USD",
"ipAddress": "203.0.113.21",
"deviceFingerprint": "demo_device_burst",
"paymentMethodHash": "demo_payment_burst_4",
"shippingAddressHash": "demo_shipping_primary",
"billingAddress": {
"country": "US"
},
"shippingAddress": {
"country": "US"
},
"cardDetails": {
"bin": "411113",
"last4": "1203",
"network": "visa",
"issuingCountry": "US",
"cardType": "credit"
},
"deviceMeta": {
"timezone": "America/New_York"
},
"ipGeo": {
"country": "US",
"lat": 40.7128,
"lon": -74.006
}
}
},
{
"label": "Attempt 5",
"offsetSeconds": 80,
"assessment": {
"transactionId": "demo_tx_burst_5",
"userId": "demo_user_subject",
"amountMinor": 250,
"currency": "USD",
"ipAddress": "203.0.113.21",
"deviceFingerprint": "demo_device_burst",
"paymentMethodHash": "demo_payment_burst_5",
"shippingAddressHash": "demo_shipping_primary",
"billingAddress": {
"country": "US"
},
"shippingAddress": {
"country": "US"
},
"cardDetails": {
"bin": "411114",
"last4": "1204",
"network": "visa",
"issuingCountry": "US",
"cardType": "credit"
},
"deviceMeta": {
"timezone": "America/New_York"
},
"ipGeo": {
"country": "US",
"lat": 40.7128,
"lon": -74.006
}
}
},
{
"label": "Attempt 6",
"offsetSeconds": 100,
"assessment": {
"transactionId": "demo_tx_burst_6",
"userId": "demo_user_subject",
"amountMinor": 275,
"currency": "USD",
"ipAddress": "203.0.113.21",
"deviceFingerprint": "demo_device_burst",
"paymentMethodHash": "demo_payment_burst_6",
"shippingAddressHash": "demo_shipping_primary",
"billingAddress": {
"country": "US"
},
"shippingAddress": {
"country": "US"
},
"cardDetails": {
"bin": "411115",
"last4": "1205",
"network": "visa",
"issuingCountry": "US",
"cardType": "credit"
},
"deviceMeta": {
"timezone": "America/New_York"
},
"ipGeo": {
"country": "US",
"lat": 40.7128,
"lon": -74.006
}
}
},
{
"label": "Attempt 7",
"offsetSeconds": 120,
"assessment": {
"transactionId": "demo_tx_burst_7",
"userId": "demo_user_subject",
"amountMinor": 300,
"currency": "USD",
"ipAddress": "203.0.113.21",
"deviceFingerprint": "demo_device_burst",
"paymentMethodHash": "demo_payment_burst_7",
"shippingAddressHash": "demo_shipping_primary",
"billingAddress": {
"country": "US"
},
"shippingAddress": {
"country": "US"
},
"cardDetails": {
"bin": "411116",
"last4": "1206",
"network": "visa",
"issuingCountry": "US",
"cardType": "credit"
},
"deviceMeta": {
"timezone": "America/New_York"
},
"ipGeo": {
"country": "US",
"lat": 40.7128,
"lon": -74.006
}
}
},
{
"label": "Attempt 8",
"offsetSeconds": 140,
"assessment": {
"transactionId": "demo_tx_burst_8",
"userId": "demo_user_subject",
"amountMinor": 325,
"currency": "USD",
"ipAddress": "203.0.113.21",
"deviceFingerprint": "demo_device_burst",
"paymentMethodHash": "demo_payment_burst_8",
"shippingAddressHash": "demo_shipping_primary",
"billingAddress": {
"country": "US"
},
"shippingAddress": {
"country": "US"
},
"cardDetails": {
"bin": "411117",
"last4": "1207",
"network": "visa",
"issuingCountry": "US",
"cardType": "credit"
},
"deviceMeta": {
"timezone": "America/New_York"
},
"ipGeo": {
"country": "US",
"lat": 40.7128,
"lon": -74.006
}
}
}
]
}Run the visible payload to watch its deterministic score build.
Deterministic
Same input, same score.
Explained
Reason codes and weighted signals.
Tenant-scoped
Isolation at every backend boundary.
Advisory
Your system makes the final decision.
How it works
One call. A score you can defend.
Send a transaction; receive a recommendation, reason codes and weighted signals.
01
Send the event
Send a signed request from your backend.
02
Score the network
Combine velocity, graph, similarity and context.
03
Decide in your system
Receive allow, review or block; execute it in your workflow.
{
"riskScore": 72,
"action": "review",
"riskLevel": "high",
"reasonCodes": [
"GLOBAL_INDICATOR_MATCH",
"VELOCITY_ZSCORE_SPIKE"
],
"featureContributions": {
"velocity_zscore": 3.8,
"indicator_overlap_ratio": 0.33,
"graph_neighbor_ratio_n2": 0.25
},
"engineVersion": "v2",
"latencyMs": 38
}See the canonical request, response and error handling in the assessment guide.
Graph intelligence
See risk in the connections.
Find shared devices, payment fingerprints and paths to confirmed fraud.
Two-hop neighbourhood
Inspect connected accounts and indicators within two hops.
Traceable paths
Follow the ranked path from a transaction to confirmed fraud.
Explainability
Every score decomposes.
Review reason codes, weighted signals and the policy action.
Risk score
72
reviewhigh risk · hybrid mode
Why
velocity_zscore3.8
indicator_overlap_ratio0.33
graph_neighbor_ratio_n20.25
GLOBAL_INDICATOR_MATCHVELOCITY_ZSCORE_SPIKE
Pricing
Priced on assessed volume.
Published plans with explicit assessment limits.
Plans start at $249 per month and scale with assessed volume.
Reviews
What people say elsewhere.
Collected and hosted by SaaSBrowser.
Questions
The things worth asking.
Do I have to replace my current provider?+
No. Shadow mode lets you compare recommendations before changing your workflow.
What if the score is wrong?+
Scores can produce false positives and false negatives. Use reason codes, signal contributions and confirmed outcomes to review them.
Where are security and data-handling details?+
The Security page states the current controls, data boundary, certification status and shared responsibilities.
Run it before you believe it.
Change the synthetic inputs and inspect the complete decision.