Account takeover
Evaluate login risk using customer, device, IP, session, and velocity context.
Fraud detection software for Saudi fintech
Fraud detection software in Saudi Arabia
Naiza evaluates product events and returns ALLOW, REVIEW, or BLOCK outcomes for account takeover, payment fraud, card testing, abusive registrations, suspicious withdrawals, and other digital risk workflows.
How a fraud detection API works
Your server sends a business event with the identifiers and context available at decision time. Naiza evaluates configured rules and risk signals, returns a decision, and preserves the event trail for operations, feedback, and audit.
- 1
Send an event
Submit a login, payment, registration, withdrawal, or custom event.
- 2
Evaluate risk
Apply rules, device intelligence, enrichment, and customer context.
- 3
Act and learn
Allow, review, or block, then send confirmed outcomes back as feedback.
Example fraud event request
Your server sends an event with the identifiers available at decision time. Naiza returns ALLOW, REVIEW, or BLOCK with the score and evaluated-rule count.
POST /api/v1/events
curl -X POST https://api.naiza.ai/api/v1/events \ -H "x-api-key: YOUR_API_KEY" \ -H "Content-Type: application/json" \ -d '{ "eventName": "user.login", "eventCategory": "AUTHENTICATION", "customer": { "externalId": "user_123456", "email": "user@example.com" }, "device": { "externalId": "device_abc123", "fingerprint": "fp_abcdef12345" }, "ip": "203.0.113.42" }'
ResponseALLOW
{ "eventId": "evt_ckm9876543210", "decision": "ALLOW", "score": 15, "eventCategory": "AUTHENTICATION", "rulesEvaluated": 5, "receivedAt": "2026-04-16T10:30:00.000Z" }
Fraud detection use cases
Payment fraud
Score transactions before fulfillment and route uncertain activity to review.
Card testing
Detect repeated low-value attempts and coordinated behavior across accounts or devices.
Abusive registrations
Identify automation, disposable identities, and multi-account patterns during signup.
Suspicious withdrawals
Apply policy and behavioral checks before funds leave the platform.
Fraud rings
Connect repeated identifiers and device behavior across related events and customers.
The signals behind each decision
A fraud decision is only as good as what the rules can see. Naiza reads these signals on every event you send.
- Device
- A fingerprint from the Web, iOS, or Android SDK, with its history, linked accounts, and risk score.
- Network
- IP address, ISP, location, and VPN, proxy, or hosting detection.
- Velocity
- How many logins, payments, cards, or beneficiaries in a set window, per customer, device, or IP.
- Customer history
- Account age, past decisions, previous feedback, and status.
- Lists
- Your own block and allow lists for emails, devices, IPs, and accounts.
- Event context
- Amount, currency, payment method, beneficiary, and any custom fields you send.
Rules you can write on day one
Each rule names its condition and its outcome, so anyone on the risk team can explain a decision without reverse-engineering a score.
| Rule | Condition | Outcome |
|---|---|---|
| Takeover sequence | New device, then a password or phone change, then a new beneficiary in the same session. | REVIEW |
| Card testing | More than five declined payments from one device in ten minutes. | BLOCK |
| Shared device | Device linked to three or more customer accounts at signup. | REVIEW |
| Withdrawal after change | Withdrawal within 24 hours of a contact detail change. | REVIEW |
| Blocked identifier | Email, device, or IP on your blocklist. | BLOCK |
| Trusted repeat customer | Known device, known network, normal amount. | ALLOW |
Go live without blocking good customers
The safest launch keeps the customer journey unchanged until the numbers say otherwise.
- 01
Observe
Send events and store decisions without acting on them. See what each rule would have caught.
- 02
Review
Route REVIEW decisions to your team or to step-up verification. Measure false positives and handling time.
- 03
Enforce
Turn on BLOCK for the rules that proved precise. Keep feeding confirmed outcomes back as feedback.
Built for fraud in Saudi Arabia
Fraud in the Kingdom leans heavily on social engineering: callers posing as banks or government services, OTP theft, and mule accounts that move money within minutes. Rules that only look at the payment amount miss most of it. Naiza scores the login, the profile change, and the beneficiary change as well as the payment, so the sequence is visible before money leaves.
Naiza is hosted in Saudi Arabia, works in Arabic and English, and shares customers, devices, and cases with Naiza AML screening and transaction monitoring, so a device behind a fraud case is visible when the same customer shows up in an AML review.
Explainable, reviewable decisions
Connect product decisions to risk operations
Naiza returns context that helps product and risk teams understand each result. Keep the event identifier, send investigation outcomes as feedback, and review rule impact before moving from observation to enforcement.
Fraud detection FAQ
Practical answers for product, engineering, fraud, and risk teams evaluating a real-time fraud prevention API.
Is Naiza fraud software hosted in Saudi Arabia?
Yes. Naiza is hosted in the Kingdom of Saudi Arabia. Event data used for fraud decisions is stored and processed in KSA.
What is a fraud detection API?
A fraud detection API evaluates an event such as a login, registration, payment, or withdrawal and returns a risk decision that the product can enforce or send to manual review.
What decisions does Naiza return?
Naiza returns ALLOW, REVIEW, or BLOCK. Risk scores and rule context help product and operations teams explain the result; the API reference documents the fields for each endpoint.
Which fraud use cases can Naiza support?
Common use cases include account takeover, payment fraud, card testing, abusive registrations, suspicious withdrawals, multi-account behavior, and coordinated fraud patterns.
Can teams test fraud rules before blocking users?
Yes. Teams can begin with observation or review-oriented workflows, measure rule outcomes, and move selected rules to enforcement after validating false-positive and operational impact.
Which events should we send to a fraud detection API?
Logins, signups, password and phone changes, new beneficiaries, payments, and withdrawals. Fraud usually shows up as a sequence across these events, not in the payment alone.
Can we write our own fraud rules?
Yes. Rules are written and changed in the Naiza dashboard without a deployment. Each rule names its condition and outcome, so every decision can be explained.
Does Naiza use device fingerprinting?
Yes. The Web, iOS, and Android SDKs produce a device fingerprint that you send with events, and rules can use device history, linked accounts, and device risk score.