payabl., a European FinTech specialising in modular payment solutions, has teamed up with Sift, a global leader in AI-driven fraud prevention, to enhance real-time fraud protection for merchants.
The partnership addresses a sharp rise in payment fraud across the EEA, where fraud losses reached €4.3bn in 2022 and another €2.0bn in the first half of 2023, according to data from the EBA. By embedding Sift’s technology into its payments platform, payabl. offers merchants automated fraud checks, fewer false positives, and improved approval rates—all without compromising the user experience.
payabl. enables businesses to accept payments securely and flexibly across borders, while Sift uses real-time machine learning to assess identity trust and minimise risk. Their joint solution also improves merchants’ eligibility for Transaction Risk Analysis (TRA) exemptions under European compliance rules.
payabl. chief risk officer Oleg Stefanets said, “At payabl., our mission is to arm merchants with the right tools to grow without limits – while keeping their businesses secure.
“By teaming up with Sift and its AI-driven fraud prevention, we’re delivering top-tier protection that drastically reduces friction for both merchants and their customers. Our merchants can scale fearlessly, confident that every transaction is checked in real time by a system that learns and adapts with each data point.”
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