Payment Platforms
Approvals should be your competitive edge, not your drag
Your platform is under pressure to control fraud, reduce friction, and support merchant growth across many different payment environments. When one fraud model flattens very different merchant conditions into the same decision logic, the result is approval drag, weaker outcomes, and more operating burden. Pipl Trust helps platforms support more consistent authorization decisions across their base, powered by Elephant, Pipl's large payment AI model.
When one fraud model has to serve too many merchant environments
Most fraud systems apply the same broad logic across merchants with very different fraud profiles, payment flows, and operating conditions. That creates inconsistency across the platform that compounds over time.
More consistent performance across merchants
Powered by Pipl's identity graph of more than 5 billion profiles, Pipl Trust helps platforms score transactions with more context across merchants, geographies, and thin-file environments.
Scoring that reflects each merchant environment
Pipl Trust connects identity, behavior, and device data across 740 billion signals to reveal fraud patterns that static models often miss across the merchant base
Intelligence that stays aligned as conditions shift
Elephant ingests 2 billion signal updates every day, helping platforms avoid stale logic that creates inconsistency across segments, markets, and payment flows.Reduce revenue loss across the merchant base
False declines don't just hurt one transaction or one merchant. They suppress authorized volume across the platform, weaken take rate, and reduce the approval performance your merchants expect. When scoring lacks enough context, teams rely more on reviews, overrides, and exceptions, increasing operating burden and making platform performance harder to scale consistently.
No fraud controls that are hard to scale
Legacy approaches often struggle across new merchant segments, geographies, and payment types. Without adaptive scoring, platform growth adds complexity faster than decision quality improves. When synthetic identities or coordinated fraud patterns slip through, the damage extends beyond a single bad transaction — affecting merchant confidence, platform credibility, and long-term resilience.
Deploy merchant-calibrated scoring
Pipl Trust API is built to fit into existing payment architecture with minimal lift. Its flexible schema, sub-200ms latency, and stateless delivery model make it practical to embed fraud scoring directly into payment and review flows, while supporting calibration across the merchants that activate it without adding operational complexity.
The foundation underneath every Pipl Trust decision
Pipl Trust draws on our robust identity graph and Elephant, Pipl's large payment AI model, to give payment platforms the signal depth and scoring precision to support consistent authorization decisions across their entire merchant base.
5+ Billion
Global Identities
28+ Billion
Unique Identifiers
740+ Billion
Trust Signals
Built for production inside live payment workflows
Fast to production
Flexible Schema
Real-time decisions
Sub-200ms response times help support live payment decisions without adding latency where user experience matters.
Merchant-level calibration
From Our Identity & Trust Blog
From Our Identity & Trust Blog

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NO RULES: How AI Renders Rule-Based Fraud Prevention Obsolete

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