Marqeta has introduced a new AI-powered risk scoring feature within its Real-Time Decisioning (RTD) product, aimed at strengthening fraud detection while minimizing false declines during transactions.
The new capability integrates machine learning directly into the transaction authorization process. This allows issuers and program managers to evaluate risk instantly, using insights from more than 300 transaction data points combined with historical behavioral patterns from Marqeta’s proprietary dataset. The result is a more adaptive and personalized risk assessment for each transaction.
This enhancement is part of Marqeta’s broader RiskControl suite, which includes tools such as Know Your Customer (KYC), 3D Secure, RTD, and dispute management. Together, these solutions give businesses more control and flexibility in managing fraud through real-time insights and customizable rules.
The launch comes at a time when digital payment fraud is rapidly increasing. Industry projections indicate that fraud rates could rise significantly in the coming years, pushing companies to adopt smarter, data-driven approaches to security. Marqeta’s solution addresses this need by combining traditional rule-based systems with advanced machine learning models.
One of the key challenges in payments has always been balancing fraud prevention with customer experience. Blocking fraudulent transactions without interrupting legitimate ones is critical, as false declines can lead to lost revenue and customer dissatisfaction. Marqeta’s AI-driven approach aims to solve this by making more accurate, real-time decisions.
According to Anthony Peculic, the new feature is designed to help businesses scale securely as fraud threats evolve. By embedding intelligent controls directly into payment workflows, companies can strengthen their defenses while maintaining seamless user experiences.
The update also reinforces Marqeta’s position as a leader in modern card issuing and embedded finance. As fintech companies and digital banks continue to grow, integrated, real-time risk management tools are becoming essential for staying competitive and secure.
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