Inchcape Shipping Services
Logistics · UK · Enterprise
Achieved 8x faster payment processing; established single source of truth for cash
- Payment Speed Improvement
- 8x
- Payment Speed Improvement
Payments & Banking
Payment Fraud Detection Software
Updated August 2026 · By the ERP Research Editorial Team · Independent and vendor-neutral — no vendor pays for placement or ranking.
Payment fraud detection software scores transactions and payment instructions in real time to catch account takeover, business email compromise, vendor bank detail swaps, sanctioned counterparties and chargeback-prone orders before money moves. For finance and AP teams, the highest-value use case sits right where an ERP pays a supplier: validating the payee, screening against sanctions and watchlists, and flagging anomalies before a payment run releases funds.
This guide compares fraud detection, sanctions screening and chargeback management platforms on the capabilities that matter most to ERP-connected finance teams -- detection accuracy, screening coverage, workflow fit inside AP and treasury, and how cleanly each one integrates with the systems that actually cut the payment.
Compare payment fraud detection software
| Product | Works with | Pricing | Deployment |
|---|---|---|---|
| ERP-agnostic | From $99/month (Starter plan, up to 2,000 monitored entities) | Cloud | |
| ERP-agnostic | Quote-based | Cloud/On-premise | |
| ERP-agnostic | Quote-based | Cloud | |
 SAP | Quote-based | Cloud | |
| ERP-agnostic | Subscription driven by transaction volume, quote-based | Cloud | |
SAP Oracle NetSuite+2 more | Quote-based | Cloud | |
| ERP-agnostic | Quote-based | Cloud/On-premise | |
| ERP-agnostic | Quote-based | Cloud | |
| ERP-agnostic | Volume-based, quote-based | Cloud | |
| NetSuite | Percentage of protected GMV, assessed per merchant | Cloud | |
| SAPOracleNetSuite | Quote-based | Cloud | |
| SAPOracle | Quote-based | Cloud |
Payment Fraud & Risk add-ons by ERP
Compare only the options that work with your ERP:
Compare payment fraud & risk capabilities
Every product below is mapped against the same 51-capability payment fraud & risk taxonomy. Expand a module to compare capability by capability.
| Capability | ComplyAdvantage16/51 | Forter16/51 | Kount (an Equifax company)13/51 | Feedzai12/51 | NICE Actimize12/51 | Sift12/51 |
|---|---|---|---|---|---|---|
| 2/7 | 5/7 | 6/7 | 6/7 | 3/7 | 4/7 | |
| 5/7 | 0/7 | 0/7 | 1/7 | 1/7 | 0/7 | |
| 1/5 | 0/5 | 0/5 | 1/5 | 4/5 | 0/5 | |
| 0/6 | 0/6 | 0/6 | 0/6 | 0/6 | 0/6 | |
| 0/5 | 5/5 | 3/5 | 0/5 | 0/5 | 0/5 | |
| 0/5 | 5/5 | 0/5 | 1/5 | 0/5 | 2/5 | |
| 5/5 | 1/5 | 1/5 | 1/5 | 3/5 | 2/5 | |
| 2/5 | 0/5 | 2/5 | 2/5 | 1/5 | 3/5 | |
| 1/6 | 0/6 | 1/6 | 0/6 | 0/6 | 1/6 |
Core strength Supported Partial Not evidenced
“Not evidenced” means our research found no public documentation of this capability — the vendor may still offer it. Confirm on a demo.
ERP integration coverage
Which payment fraud & risk products have a standard connector to your ERP — and how deep it goes. Badges link to the marketplace listing or vendor documentation we verified.
Filter by ERP:
| Product | SAP | Oracle Fusion Cloud | NetSuite | Microsoft Dynamics 365 | Workday | Sage X3 |
|---|---|---|---|---|---|---|
| Kyriba | Prebuilt | Prebuilt | Certified | Prebuilt | Prebuilt | |
| Trustpair | Certified | Prebuilt | API | Prebuilt | ||
| World-Check (LSEG Risk Intelligence) | Partner | Partner | ||||
| Forter | Partner | |||||
| Signifyd | Partner |
Certified = listed on the ERP vendor's official marketplace. Prebuilt = productised vendor-built connector. iPaaS = official integration-platform template. API = integration is possible via documented APIs but no productised connector was evidenced. A dash means we found no evidence — not that no integration exists.
SAPSAPOracleNetSuite
Workday+1NetSuiteSAPOracleNetSuiteSAPOraclePayment Fraud & Risk customer stories
How companies actually use payment fraud & risk alongside their ERP — summarised from each vendor's published case studies.
Bolt
Technology · Global · Enterprise
Achieved 10x faster cash insights, liberated treasury team resources for strategic initiatives
- 10x faster cash insights
- Freed up treasury talent
- Centralized cash visibility
Şişecam
Manufacturing · Turkey · Enterprise
Achieved 95% STP rate; real-time cash visibility; enhanced fraud controls
- 95% STP (Straight-Through Processing)
- Real-time cash visibility
- Fraud control
Eutelsat
Technology · France · Enterprise
Transformed treasury into strategic business function; reduced FX exposure
- Treasury function transformation
- Reduced FX risk
- Strategic treasury capabilities
HelloFresh
Food & Beverage · Germany · Enterprise
Achieved payment reconciliation in seconds via AI automation
- Faster payment reconciliation
- AI-automated processes
- Seconds-level speed
Summarised from each vendor's published customer stories. Figures are the vendor's own claims, not independently verified by ERP Research. Browse all case studies →
Free PDF · Vendor-neutral · No sales calls
The Payment Fraud & Risk Buyer's Guide
A vendor-neutral shortlisting guide to payment fraud & risk: how the 12 systems we track compare on capability, what to check before you sign, and the questions that separate a good fit from an expensive one.
Payment Fraud & Risk Buyer's Guide
12 systems compared · 2026
ERP Research
- Side-by-side capability comparison of 12 payment fraud & risk systems
- ERP integration checklist — what to verify before you shortlist
- Pricing questions to put to every vendor
- Requirements checklist you can hand to your team
Free Download
Payment Fraud & Risk Buyer's Guide
What does payment fraud & risk cost?
Most vendors in this category price by quote, so there is no honest list price to quote you. Here is what actually drives your number — and how to get a real one.
8 of the 12 vendors we track in this category publish no list price at all.
Compare payment fraud & risk products side by side
Pick two to four products. Two selections unlock the full capability-by-capability comparison page.
Popular comparisons
What is payment fraud detection software?
Payment fraud detection software analyzes transactions, payment instructions or vendor bank detail changes and scores them for risk using rules, machine learning or both, then blocks, holds or flags the ones that look fraudulent. Coverage splits into a few overlapping categories: transaction and card fraud scoring for ecommerce and B2B sales, sanctions and watchlist (OFAC, PEP, adverse media) screening for AML and vendor compliance, vendor and bank detail verification that catches business email compromise before an AP payment run releases funds, and chargeback management that disputes and recovers fraudulent card chargebacks. Enterprise finance teams typically layer several of these -- one tool screening incoming customer payments, another validating outgoing supplier payments -- rather than relying on a single all-purpose fraud engine.
How to choose payment fraud detection software
Detection accuracy and false-positive rate
Machine learning models that catch genuine fraud without blocking or delaying legitimate payments and orders.
Sanctions and watchlist coverage
Depth and freshness of OFAC, UN, EU, PEP and adverse media data, with documented screening frequency.
AP and payment run workflow fit
Ability to screen or hold a payment inside the approval flow before disbursement, not just report on fraud after the fact.
ERP and treasury integration
A real, documented connector or API to the ERP or treasury platform so payee validation and screening happen without manual exports.
Case management and audit trail
Investigator workflow, alert triage and a defensible audit record for compliance and SOX purposes.
Pricing model
Per-transaction, volume-tiered or quote-based pricing -- confirm what scales with payment volume vs headcount before shortlisting.
Payment Fraud & Risk that works with your ERP
Most fraud tools are built for the transaction the customer sees -- a card swipe, an online checkout. The bigger exposure for a mid-market or enterprise finance team is the outbound side: a payment run inside NetSuite, SAP, Dynamics 365, Sage Intacct or Acumatica releasing funds to a vendor whose bank details were just changed by a spoofed email. The tools worth shortlisting here document a real integration into that workflow -- validating payee bank accounts, screening counterparties against sanctions lists and holding suspicious payments -- before the ERP cuts the check, not after. Every product below is profiled with its verified ERP and treasury integrations so you can filter to what actually protects the payment run.
Frequently asked questions
What is the best payment fraud detection software?
The best choice depends on which side of the payment you are protecting. For outbound AP and vendor payments, look for tools built around bank account validation and payee verification (the Kyriba and Trustpair class) that plug into the ERP payment run. For inbound transaction or ecommerce fraud, machine-learning risk scoring across large transaction volumes leads. Compare the options below by which side of the payment they protect and their documented ERP or treasury integration.
How much does payment fraud detection software cost?
Pricing is usually volume based -- a per-transaction or per-screened-payment fee, or a tiered subscription keyed to transaction or payment volume. Sanctions screening tools often price per screening call or per counterparty record. Enterprise deployments with ERP integration, case management and dedicated support are typically quote based. Each product page below lists the vendor published pricing model where available.
Does payment fraud detection software integrate with my ERP?
Some do, but it varies by vendor and fraud type. Vendor-payment and treasury fraud tools (the Kyriba and Trustpair class) are built to sit inside an ERP or treasury payment run and document integrations with SAP, NetSuite, Oracle and similar platforms. General transaction fraud and sanctions screening vendors more often integrate via API into a payment processor or compliance workflow rather than the ERP directly — confirm the specific integration before shortlisting.
What is the difference between fraud detection and sanctions screening?
Fraud detection scores a transaction or payment for the likelihood it is fraudulent — stolen card, account takeover, spoofed vendor bank details. Sanctions screening checks a counterparty (customer, vendor or beneficiary) against government sanctions, watchlists and politically-exposed-person databases to confirm the transaction is legally permitted. Many finance teams need both: fraud detection to catch bad actors, sanctions screening to stay compliant with OFAC and equivalent regimes.
How does chargeback management software work?
Chargeback management software monitors disputed card transactions, automatically compiles the evidence needed to fight an illegitimate chargeback (order details, delivery confirmation, device and IP data), and submits the representment case to the card network or acquirer -- often with a guarantee that covers the loss if the dispute is lost. It is most relevant to ERPs with a direct-to-consumer or card-present sales channel rather than pure B2B invoice-and-pay operations.