Willing transfers
The customer authorises the payment, so credential checks pass.
Fraud · Banking
Stop APP scams before the transfer completes
Score account-to-account transfers for fraud in real time, including authorised-push-payment scams, so a customer sending money to a fraudster is warned before the transfer completes.
Real-time
Scored before the transfer
A2A
Account-to-account transfers
APP scams
Authorised-push-payment detection
Payee
Beneficiary risk checked
Why this matters
The fastest-growing fraud is the customer paying willingly
In an authorised-push-payment scam, the customer authorises the transfer themselves, under manipulation. Every credential is right, the payment is legitimate on paper, and the money is gone the moment it lands. Complead scores the transfer, checks the payee for mule links, and warns the sender before the transfer completes, when there is still time to stop it.
Unknown payees
A first payment to a mule account gets no extra scrutiny.
Irreversible speed
Real-time rails mean the money is gone before anyone reviews it.
How it works
Scroll to advance
Four steps, before the transfer completes
-
Step 01
Receive the transfer
The transfer, the payee and the context arrive for scoring before it completes.
-
Step 02
Check the payee
The beneficiary account is checked for mule links, reuse and known-fraud signals.
-
Step 03
Score the scam pattern
Sender behaviour and payee risk combine into a scam score in real time.
-
Step 04
Warn, hold or release
A high score warns the sender, holds the transfer, or lets a clean payment through.
complead / receive
- transfer#77021
- ₺18,500
- newpayee
- firstpayment
complead / check-payee
- payeemule-linked
- reused across 6senders
- flagged
complead / score
| Level | Ref | Detail | Score |
|---|---|---|---|
| New | payee | ||
| High |
complead / warn
- senderwarned
- confirmed toproceed
- hold applied24h
Receive
Check payee
Score
Warn
Capabilities
What the product actually does
Real-time A2A scoring
Account transfers scored before completion.
APP scam detection
Sender-behaviour patterns of manipulation flagged.
Payee risk checks
Beneficiary accounts checked for mule links and reuse.
Sender warnings
In-flow warnings when a transfer looks like a scam.
Hold and confirm
Time-limited holds on high-risk transfers.
Decision audit
Every score, warning and outcome retained.
Product tour
Three screens your team lives in
Transfers scored as they go
Account transfers with a live scam score, high-risk ones surfaced with their signals.
- Real-time transfer score
- Payee risk on the row
- Warn or hold in one action
complead / live-transfers
- HIGH APP scam#77021
- LOW#77015
- MED new payee#77008
Why this transfer is risky
Sender behaviour, payee risk and the scam pattern behind the score.
- Sender signals listed
- Payee risk shown
- Warning and outcome recorded
complead / transfer-detail
- firstpayment
- urgency
- payeemule-linked
- senderwarned
The accounts on the other side
Beneficiary accounts scored for mule links and reuse across senders.
- Mule-link indicators
- Senders per payee
- Link to transfers
complead / payees
- payee0x41
- 6 senders in48h
- mule-linked
- flagged
Signals
What is scored, and how fast
Scoring reads the transfer, the sender’s behaviour and the payee’s risk, all before the transfer completes.
Signal reference
Transfer
Amount, payee, first-payment status, timing
Sender
Behaviour, urgency pattern, session risk
Payee
Mule links, reuse, known-fraud signals
Speed
Real-time, before completion
Runs on Fusion
Scam signals feed the customer score
A customer repeatedly targeted, or an account acting as a mule, is a risk the Fusion score should hold. Transfer signals feed the same engine, joining fraud and AML on one record.
This product
Bank Transactions
Real-time A2A and APP scam scoring
Feeds into
Fusion engine
Transfer and payee risk as scoring inputs
You get
One risk score
Sender and payee risk on the customer view
Integration
Score the transfer, check the payee, warn the sender
Score the transfer before completion, check the beneficiary for mule links, and return a warn or hold decision.
// score an account transfer
POST /v1/bank/transfers/score "transfer_id": "77021", "amount": 18500, "payee": "acc_0x41", "first_payment": true
200 OK · HIGH · app_scam · action warn
// check a payee for mule risk
POST /v1/bank/payees/check "account": "acc_0x41"
200 OK · mule_linked · 6 senders 48h
FAQ
Before you ask us
What is an APP scam, and how do you catch it?
An authorised-push-payment scam is a transfer the customer makes willingly under manipulation. Complead scores the sender-behaviour pattern and checks the payee, then warns the sender in-flow.
Do you check the beneficiary account?
Yes. The payee is checked for mule links and reuse across senders before the transfer completes.
Can we warn the sender rather than block?
Yes. A high-risk transfer can trigger an in-flow warning, a hold, or a block, depending on your policy.
Is it fast enough for real-time rails?
Yes. Scoring returns before the transfer completes.
Does it cover card fraud too?
Card fraud is handled by Payment Fraud. This product covers account-to-account transfers.
Where is our data stored?
You choose the region: EU, UK or Türkiye.
Testimonials
All case studies
What compliance teams say
Complead provides ultimate control via its case management and safelist systems. Automated API operations significantly reduced my team's manual workload.
Using the API we run AML controls automatically and stay compliant, while reducing our team's daily workload.
With Complead we offer fast, easy, secure onboarding. We focus on real risks, not false positives.
Score your own transfers
Bring a sample of account transfers. In 30 minutes you will see them scored for scam risk, with payee checks and in-flow warnings.
3,000+
Data sources checked
220+
Countries covered
15 min
Always real-time data