Payment Platforms

Approvals should be your edge, not your drag

Your platform is under pressure to block fraud, reduce friction, and help your merchants grow, every day and all at once. But most fraud decisioning systems were built to stop suspicious activity, not support authorization flow. They don’t help you approve more legitimate transactions. They don’t adapt to emerging fraud vectors. And they don’t let you turn trust into a growth lever.

You don’t need more alerts, you need to know who to trust

Most fraud systems flag what looks suspicious. Elephant is unique; we confirm who is real. We do it by connecting identity signals others can’t, updating scores in real time, and drawing on the industry’s largest identity graph, built for scheme-agnostic, API-first risk orchestration.

Recognize real users everywhere

Powered by 5 billion identity profiles, Elephant enables you to recognize trusted users even in low-data or emerging markets. No signal stitching, no blind spots.

Detect connections static models miss

See how identity elements behave together across 740 billion datapoints to reveal patterns static models miss and rules alone can't surface.

Score what’s current, not what’s cached

Elephant ingests 2 billion signal updates every day to keep trust scores current and aligned to today’s fraud patterns, not last quarter’s model.

What’s the cost of getting  trust wrong?

Payment platforms sit at the center of growth, risk, and experience, but legacy fraud systems weren’t built for that complexity. When your decisioning relies on static signals or shallow context, it’s not just your merchants who lose. It’s also your authorized volume, margins, and ability to grow that take the hit.

Revenue lost before it even starts

False declines don’t just hurt your merchants. They suppress authorized volume, erode take rate, and drag down your growth metrics.

Missed opportunity to monetize trust

Without advanced identity intelligence, you miss the chance to offer trusted approvals as a premium service, and leave additional revenue on the table.

Risk systems that don’t scale

Legacy scoring systems break down across new geographies, payment types, and merchant segments. Without adaptive models, you become the blocker, not the enabler.

Blind spots that erode platform integrity

When your system misses synthetic identities or coordinated fraud, it’s not just a bad transaction; it’s a hit to platform trust and brand integrity.

Proven performance, trusted outcomes

A global marketplace improved its approval logic with Elephant and increased approval rates by 19.4 points, unlocking more than $27 million in new revenue without raising chargeback risk.

A payments platform used Elephant to strengthen approval decisions and reduce chargebacks by 20%, protecting margins by approving more trusted transactions.

An ecommerce risk platform used Elephant to improve fraud decisioning by 23%, reducing false positives and increasing approval precision without adding friction.

A global social platform identified 40% more risky signups with Elephant, flagging fraud that legacy systems missed and protecting trust at the point of entry.

Adapt and accelerate with Trust API

Trust API is built to drop into your existing architecture with minimal lift. Its flexible schema, sub-200ms latency, and stateless delivery model make it easy to embed trust scoring directly into onboarding, payment, or review flows, without adding complexity or wait time.

Fast to production

Minimal configuration required, go live in days, not weeks

Flexible schema

Send the data you have, when you have it–no rigid requirements

Real-time decisions

Sub-200ms latency keeps user experiences smooth and uninterrupted

No lock-in

Easily adjust scoring logic as your thresholds or signals evolve

Insights and intelligence we recommend

Trust API

Automate identity decisions at scale with Elephant’s Trust API. Get real-time trust scores powered by 5B identities and 740B signals—globally adaptive, locally precise.

Why Elephant

Discover why Elephant is the industry's only true global identity trust solution, combining 5B identity profiles, adaptive AI, and real-time trust scoring to approve more users, reduce fraud, and scale with confidence.

Adaptive System Evaluation Checklist

Your team has moved beyond static rules—but is your system learning from what it lets through, especially when trust looks different from your training data? Use this checklist to see if your system evolves, not just reacts.