How it works
Sonar pulls from more layers of the payment stack than any standalone fraud tool — because we own the whole stack.
Card & network signals
BIN intelligence, issuer responses, AVS and CVV outcomes, and 3DS result codes from card network feeds.
AVS Match
Issuer country
CVV result
BIN lookup
3DS
Behavioral and device
Device fingerprinting, session behavior, and input patterns that distinguish real customers from automation.
Device ID
Session speed
Emulator detection
3DS
Network & geo intelligence
IP reputation, VPN and proxy detection, jurisdiction risk scoring, and state-level geofencing.
VPN detection
Proxy detection
TOR nodes
Geo mismatch
Identity & KYC signals
Real-time KYC outcomes, adverse media flags, and customer risk tier from Frame's Ralfi underwriting engine.
Adverse media
ID match
IDV
BIN lookup
3DS
Velocity & pattern analysis
Cross-merchant pattern detection for card testing and account takeover.
AVS Match
Issuer country
CVV result
BIN lookup
3DS
Dispute & chargeback history
Network dispute intelligence from Visa and Mastercard, plus Frame's own closed-loop dispute data.
AVS Match
Issuer country
CVV result
BIN lookup
3DS
Customizable rules engine
Frame maintains a ruleset tuned for your vertical, and you can layer your own on top. Add rules based on your business logic, adjust thresholds, and work directly with our internal risk team when you need expert guidance.
A ruleset that starts strong and
gets smarter with you.
Add custom block and review rules on top of Frame's baseline
Collaborate with Frame's risk team on rule strategy and tuning
Restrict prepaid cards
Powered by AI and ML
Know the risk before the transaction clears.
Sonar models train on signals across Frame's merchant network and a curated network of third-party data partners, giving every authorization a richer view than any single source could provide.
Start building
Skip the gateway setup, vendor contracts, and integration puzzles.
Our API includes the complete payment stack, just connect.
Frame's developer APIs handle complex payment workflows at scale, from high-compliance underwriting to compliance decisions, with enterprise-grade reliability.
Want to dive deeper? Our sales engineers can walk you through a technical demo tailored to your use case. Contact sales to get started.