Javelin x CSG

Invisible fraud: Detecting payments fraud earlier

Download the whitepaper to learn how leading organizations are redesigning fraud programs to spot payments and transaction fraud before losses hit the books.

Javelin detecting payments fraud

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Fill out the form to access Invisible Fraud: Detecting Payments Fraud Earlier, an independently produced Javelin Strategy Research report sponsored by CSG.

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Payments fraud is evolving. Are your defenses?

Digital payments are now everywhere—card-not-present transactions, ACH transfers, subscription billing, digital wallets, embedded payments, and real-time rails across apps, marketplaces, portals, and platforms. Each new channel opens the door to more sophisticated fraud.

Yet many organizations still rely on siloed, transaction-only monitoring. Fraud signals that appear in login behavior, device changes, account updates, or cross-channel patterns are often missed until losses are already realized.

This whitepaper from Javelin Strategy & Research, sponsored by CSG, shows how to uncover “invisible” payments fraud by connecting signals across the customer and payment lifecycle.

Inside Invisible Fraud: Detecting Payments Fraud Earlier

Based on new research with 5,000+ U.S. adults and deep fraud program analysis, this whitepaper helps fraud, risk, and payments leaders rethink how they detect and stop modern attacks.

You’ll learn how to:

See beyond single transactions

Use behavioral and contextual signals—login patterns, device activity, account changes, and payment behavior—alongside transaction data across cards, ACH, digital wallets, and more.

Shift controls earlier in the journey

Spot risk before money moves by monitoring changes in transaction limits, credit utilization, merchant processing volume, and refund patterns that often precede fraud losses.

Design layered fraud defenses that actually work

Combine machine learning with dynamic rules, clear alert workflows, and real-time monitoring so teams can act quickly when risk emerges.

Close detection gaps across systems and teams

Break down silos between payment types, fraud and AML programs, and operational teams to surface cross-channel patterns that point to coordinated attacks.
Prioritize the highestrisk use cases

Understand how tactics like card testing, BIN attacks, refund and dispute abuse, merchant misuse, and synthetic identities actually play out in payments environments—and how to detect them sooner.

Balance fraud prevention with customer experience

Apply controls that reduce loss without relying solely on blunt tools like holds and delays that can frustrate customers.

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Fraud is getting harder to see—and more expensive to ignore

In 2024, identity fraud and scams cost U.S. consumers $47 billion, with the true financial impact extending to the institutions and providers who reimburse those losses. At the same time, fraudsters are using AI and automation to scale attacks, test your controls, and quickly adapt when defenses change.

Fraud often goes undetected for long periods of time. Misuse of customer information can remain unseen for days, months, or even years—giving attackers more time to monetize stolen data and compromised accounts. Nearly 30% of fraud victims are more likely to close the account where the fraud occurred, exposing organizations to reputation damage and attrition on top of direct losses.

This whitepaper gives you a practical roadmap for closing those gaps—so fraud doesn’t have to become visible in your P&L or customer experience metrics before you act.

Cybersecurity Concept: System Administrator Enhancing Network Protection

Make invisible payments fraud visible—before losses escalate

Modern fraud won’t be stopped by legacy, siloed tools. Invisible Fraud: Detecting Payments Fraud Earlier shows how to redesign your fraud program around connected data, realtime monitoring, and layered defenses that protect both your business and your customers.

Download the whitepaper

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