A real-time AI risk indicator for specialized acquirers and PSPs. Every first-time deposit is scored before it touches your MID — so you catch the risky traffic that burns MIDs, and act on it before it settles.
First-time deposits are where fraudsters test stolen cards. No history, no trust signals — and every fraudulent FTD that settles counts against your scheme ratios twice.
FTDs carry zero trust signals. Fraudsters use them to test stolen cards against your MIDs before moving real money.
Highest-risk txn classA fraudulent FTD hits your ratio twice: once as a TC40 fraud report, and again as a dispute when the chargeback lands.
Double exposureOne bad merchant or traffic source can drag your whole portfolio over scheme thresholds and put every MID at risk.
ContagionA burned MID isn’t a fine — it’s a lost banking relationship, frozen reserves, and merchants you can no longer board.
Visa and Mastercard hold acquirers to strict integrity standards. Staying compliant means keeping fraudulent and non-compliant traffic off your MIDs in the first place.
Programs like Visa’s VIRP and Mastercard’s BRAM require acquirers to keep illegal, prohibited, and fraudulent activity off their MIDs — transaction laundering, prohibited goods, miscoded MCCs. Violations can mean significant fines, MATCH listing, and MID termination.
We help you stay genuinely clean. The AI engine flags fraudulent and non-compliant FTDs in real time so you can keep them off your MIDs entirely — a portfolio that meets card-network standards by design. Real-time compliance, not after-the-fact firefighting.
Built exclusively for specialized acquirers and PSPs — AI models trained on millions of FTDs, not generic e-commerce traffic.
Every FTD is sent to the MIDShield API before authorization.
ML models extract 2,000+ features: device graph, BIN intelligence, velocity, behavior.
APPROVE / DECLINE / CHALLENGE (3DS) — in under 100ms.
Every decision retrains the models. The network gets smarter with every transaction.
Every FTD decision is the output of models that learn from the entire network — not static rules that fraudsters reverse-engineer in a week.
Gradient-boosted and graph-based models trained on millions of FTDs, retrained continuously as fraud patterns shift — no manual rule maintenance.
Device graph, BIN intelligence, IP reputation, velocity vectors and behavioral telemetry — extracted and scored in real time, under 100ms.
Session telemetry and biometric patterns score user intent — separating genuine depositors from scripted card-testing.
Network anonymization and true-location detection unmask actors hiding behind residential proxies and VPNs.
Every decision feeds the data flywheel. A fraudster flagged at one PSP is recognized across the entire MIDShield network instantly.
One synchronous API call returns a decision in ~74ms — fast enough to sit inline before authorization without slowing checkout.
We don’t compete with merchant-side tools — we sit in front of the MID, where the acquirer’s risk lives.
Buy tokens, plug in, and act on FTD risk before it settles. 1 token = 1 FTD decision.
A token costs cents. A burned MID costs everything.
Free risk exposure analysis: send us 60 days of anonymized FTD data — we’ll show you exactly which transactions would have been declined, and where your ratio would be with MIDShield in front of it.
Message Us on Telegram →Telegram: @midshield · sales@midshield.ai · No contracts. No lock-in.
Gulliver Creative Quarter, 1 Sportyvna Square, Kyiv 01023, Ukraine