Delayed Actions
Protect your customers from scams — with a little extra time.
Delayed Actions
Protect your customers from scams — with a little extra time.
Delayed Actions
Protect your customers from scams — with a little extra time.
Time to Rethink
Scam protection doesn’t have to mean blocking payments. Delayed Actions introduce a short pause — helping stop fraud without adding friction.
Disrupt scam urgency
Insert a delay before high-risk transactions, giving customers time to think before sending.
Disrupt scam urgency
Insert a delay before high-risk transactions, giving customers time to think before sending.
Disrupt scam urgency
Insert a delay before high-risk transactions, giving customers time to think before sending.
Reduce authorised fraud
Give users a window to cancel — especially after realising they’ve been tricked.
Reduce authorised fraud
Give users a window to cancel — especially after realising they’ve been tricked.
Reduce authorised fraud
Give users a window to cancel — especially after realising they’ve been tricked.
Support compliance goals
Help meet regulatory expectations around fraud prevention and customer protection.
Support compliance goals
Help meet regulatory expectations around fraud prevention and customer protection.
Support compliance goals
Help meet regulatory expectations around fraud prevention and customer protection.
Build customer trust
Offer delay protection as an opt-in — or apply it automatically when it matters most.
Build customer trust
Offer delay protection as an opt-in — or apply it automatically when it matters most.
Build customer trust
Offer delay protection as an opt-in — or apply it automatically when it matters most.
Adapt to risk
Trigger delays based on amount, recipient type, or fraud signals — no one-size-fits-all delays.
Adapt to risk
Trigger delays based on amount, recipient type, or fraud signals — no one-size-fits-all delays.
Adapt to risk
Trigger delays based on amount, recipient type, or fraud signals — no one-size-fits-all delays.
How Delays Stop Scams
Authorised fraud thrives on urgency. Scammers impersonate banks, pressure users to act fast, and exploit instant payments. Once the money is sent, it’s often too late.
Why It Matters:
Victims of authorised fraud usually believe the scam is real — until moments after the transfer. Many report that it only took minutes to realise they’d been tricked.
Delays give users that crucial window to reflect, cancel, or call for help. Several banks found that even a 4-hour delay significantly reduced successful scams. Fraudsters moved on when their tactics stopped working.
Delays also give fraud teams more time to intervene — without disrupting legitimate payments. Customers feel safer knowing they have a built-in buffer.
Why It Works
Delayed Actions interrupt the scam before money leaves the account. The delay is only applied when needed — based on transfer size, recipient type, or risk signals. And when it’s not needed, it stays out of the way.
Fraudsters love fast money-out rails. In the U.S., Zelle is a common exit strategy for fraudsters making account-to-account transfers. Once the transfer is sent, it’s gone — no undo button.
Why It Matters
In 2023, Zelle-related fraud alone cost $440M. Scams are simple: fake invoices, urgent requests, convincing lies. In one click, a customer might send $5,000 directly to a scammer. Without limits, banks are unable to pause or stop these risky transfers—they only react after the fact.
Banks using Money Out Limits saw an immediate drop in fraud losses as fraudsters moved on to easier targets. There was no increase in support calls because legitimate customers could verify and continue without hassle. Fraud teams benefited from smarter detection, gaining new signals to act on in real time. As a result, customers felt more protected and trusted their bank even more.
Why It Works
Money Out Limits stop the cash-out step, breaking the scammer’s flow. The system adapts to context by triggering on first-time payees, high amounts, or risky destinations. And best of all, it adds zero friction unless it truly matters.
Time That Reassures
Customers feel safer knowing there's a second chance to stop something suspicious.
Customers feel safer knowing there's a second chance to stop something suspicious.
A Moment to Reflect
Give customers time to pause before high-risk payments — when it matters most.
A Moment to Reflect
Give customers time to pause before high-risk payments — when it matters most.
A Moment to Reflect
Give customers time to pause before high-risk payments — when it matters most.
A Chance to Stop
If something feels off, they can cancel before the money leaves.
A Chance to Stop
If something feels off, they can cancel before the money leaves.
A Chance to Stop
If something feels off, they can cancel before the money leaves.
Clear Protection
Make delays visible in the flow — so customers feel secure, not blocked.
Clear Protection
Make delays visible in the flow — so customers feel secure, not blocked.
Clear Protection
Make delays visible in the flow — so customers feel secure, not blocked.
How Banks Can Use Delayed Actions
Delayed Actions help banks reduce fraud by slowing down risky actions — giving customers and fraud teams time to act.
Add delays to high-value transfers
Pause first-time or high-risk recipients
Let users cancel during the delay window
Set delay length: 4h, 24h, or next business day
Trigger delays from existing fraud signals
Integrating Delayed Actions
Delayed Actions adds hold periods to payments — without changing how your core systems move money.
Delayed Actions adds hold periods to payments — without changing how your core systems move money.
Trigger via API
Call our API when a transaction matches your delay rules. We return a delay ID and status. You handle the queueing on your side.
Plug into your core systems
Integrate at the orchestration layer — wherever payment instructions are created, queued, or authorised.
Typically sits between your front end and core payment processor.
No change to payment rails
Funds aren’t rerouted or touched. You delay execution until we return a release signal — or timeout expires.
Bank sets the rules
You decide when a delay is triggered — based on transaction amount, behaviour patterns, or risk signals. Delay durations are fully configurable: 4 hours, 24 hours, or next business day. Use fixed thresholds or adapt dynamically based on context.
Clear experience
You own the UI. We recommend showing pending state and optional cancel actions. We send delay status updates via webhook.
What’s needed from you
• API call at payment initiation
• Ability to hold or queue the transaction
• Optional: connect your fraud logic
• Optional: UI messaging for pending + cancel
Note: We provide full docs, sandbox access, and integration support during onboarding.
Trigger via API
Call our API when a transaction matches your delay rules. We return a delay ID and status. You handle the queueing on your side.
Plug into your core systems
Integrate at the orchestration layer — wherever payment instructions are created, queued, or authorised.
Typically sits between your front end and core payment processor.
No change to payment rails
Funds aren’t rerouted or touched. You delay execution until we return a release signal — or timeout expires.
Bank sets the rules
You decide when a delay is triggered — based on transaction amount, behaviour patterns, or risk signals. Delay durations are fully configurable: 4 hours, 24 hours, or next business day. Use fixed thresholds or adapt dynamically based on context.
Clear experience
You own the UI. We recommend showing pending state and optional cancel actions. We send delay status updates via webhook.
What’s needed from you
• API call at payment initiation
• Ability to hold or queue the transaction
• Optional: connect your fraud logic
• Optional: UI messaging for pending + cancel
Note: We provide full docs, sandbox access, and integration support during onboarding.
Ready to protect what matters?
Give your customers secure, seamless banking — with fraud protection that just works.
Ready to protect what matters?
Give your customers secure, seamless banking — with fraud protection that just works.
Ready to protect what matters?
Give your customers secure, seamless banking — with fraud protection that just works.