Fraud.net

Fraud.net (FraudNet) is an enterprise fraud, risk and compliance platform used by payment processors, acquirers, PSPs, fintechs, banks and digital commerce platforms. Its Public API is a risk-decisioning surface: Check operations submit a transaction, order, loan application, account application or login for real-time scoring, and Update operations relay the eventual outcome (approved, declined, chargeback, fraud disposition) back so the models keep learning. Every Check returns a 0-100 risk score, a risk group and rule tags, drawn from supervised models, anomaly detection and a global anti-fraud network, alongside device fingerprinting, identity, entity screening and AML/KYC-adjacent compliance workflows.

Fraud.net publishes 3 APIs on the APIs.io network: Banking / Fintech API, Commerce API, and Identity API. Tagged areas include Fraud Prevention, Risk Management, Commerce, Payments, and Security.

The Fraud.net catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

Fraud.net’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, signup flow, changelog, and 26 more developer resources.

🌐 Visit website 📡 Source on GitHub

54.2/100 developing ▬ flat Agent 27/100 agent aware Front door AI 6/6 dominant saas Full breakdown ↓
scored 2026-09-25 · rubric v0.23.0

AccessEnterprise

2 APIs

Fraud Prevention Risk Management Commerce Payments Security Compliance Identity Banking Machine Learning

Kin Score

Kin Score How this is scored →
scored 2026-09-25 · rubric v0.23.0

Composite quality — 54.2/100 · developing

Contract Quality 9.9 / 19

Developer Ergonomics 11.0 / 15

Access Clarity 8.7 / 15

Operational Transparency 2.6 / 10

Contract Governance 1.6 / 9

Discoverability 5.5 / 8

Regulatory Posture 5.7 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 27/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/fraud-net: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 3

Individual APIs this provider publishes, each with its own machine-readable definition.

Fraud.net Banking / Fintech API

The Banking / Fintech API from Fraud.net — 3 operation(s) for banking / fintech.

Fraud.net Commerce API

The Commerce API from Fraud.net — 4 operation(s) for commerce.

Fraud.net Identity API

The Identity API from Fraud.net — 2 operation(s) for identity.

Pricing Plans 1

Published pricing tiers and plan structures.

Fraud Net Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Fraud Net Rate Limits

0 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Fraud Net Finops

FINOPS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Fraud Net Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Fraud.net API Rules

0 rules ·

SPECTRAL

Security Posture 4

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Fraud Net Authentication

http · 1 scheme

SECURITY

Fraud Net Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Fraud Net Vulnerability Disclosure

Hackerone

SECURITY

Fraud Net Trust Center

SOC 2 Type II, ISO 27001, PCI DSS, HIPAA, GDPR, NIST 800-53, NTIS

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

SignUp

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

Conformance

DataModel

Components

Webhooks

Scroll for all 8

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

SDKs

SDKs

Access & Security 4

Authentication, authorization, and security posture

TrustCenter

Compliance

Authentication

DomainSecurity

Operate 4

Status, limits, changes, and where to get help

Support

StatusPage

ChangeLog

ChangeLog

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: fraud-net
name: Fraud.net
description: 'Fraud.net (FraudNet) is an enterprise fraud, risk and compliance platform used by payment processors, acquirers,
  PSPs, fintechs, banks and digital commerce platforms. Its Public API is a risk-decisioning surface: Check operations submit
  a transaction, order, loan application, account application or login for real-time scoring, and Update operations relay
  the eventual outcome (approved, declined, chargeback, fraud disposition) back so the models keep learning. Every Check returns
  a 0-100 risk score, a risk group and rule tags, drawn from supervised models, anomaly detection and a global anti-fraud
  network, alongside device fingerprinting, identity, entity screening and AML/KYC-adjacent compliance workflows.'
type: Index
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-09-10'
  method: derived
accessModel:
  pricing: enterprise
  onboarding: sales
  trial: false
  try_now: false
  public: false
  label: Enterprise · contact sales
  confidence: high
  source:
  - plans
  generated: '2026-09-10'
  method: searched
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/fraud-net.png
access: 3rd-Party
created: '2024-11-13'
modified: '2026-09-10'
position: Consuming
tags:
- Fraud Prevention
- Risk Management
- Commerce
- Payments
- Security
- Compliance
- Identity
- Banking
- Machine Learning
tags_raw:
- Fraud
- Risk
- Commerce
- Payments
- Security
- Compliance
- Identity
- Banking
- Machine Learning
- Machine-Learning
url: https://raw.githubusercontent.com/api-evangelist/fraud-net/refs/heads/main/apis.yml
specificationVersion: '0.23'
apis:
- aid: fraud-net:fraud-net-banking-fintech-api
  name: Fraud.net Banking / Fintech API
  description: The Banking / Fintech API from Fraud.net — 3 operation(s) for banking / fintech.
  humanURL: https://api-docs.fraud.net/docs/public-apis/b2edb775739e6-api-documentation
  baseURL: https://api-sandbox.c008-m008-us.fraud.net
  tags:
  - Banking / Fintech
  properties:
  - type: OpenAPI
    url: openapi/fraud-net-banking-fintech-api-openapi.yml
  - type: Documentation
    url: https://api-docs.fraud.net/docs/public-apis/b2edb775739e6-api-documentation
  - type: APIReference
    url: https://api-docs.fraud.net/docs/public-apis/b95a796f3265e-api-reference
  - type: Rules
    url: https://raw.githubusercontent.com/api-evangelist/fraud-net/refs/heads/main/rules/fraud-net-rules.yml
- aid: fraud-net:fraud-net-commerce-api
  name: Fraud.net Commerce API
  description: The Commerce API from Fraud.net — 4 operation(s) for commerce.
  humanURL: https://api-docs.fraud.net/docs/public-apis/b2edb775739e6-api-documentation
  baseURL: https://api-sandbox.c008-m008-us.fraud.net
  tags:
  - Commerce
  properties:
  - type: OpenAPI
    url: openapi/fraud-net-commerce-api-openapi.yml
  - type: Documentation
    url: https://api-docs.fraud.net/docs/public-apis/b2edb775739e6-api-documentation
  - type: APIReference
    url: https://api-docs.fraud.net/docs/public-apis/b95a796f3265e-api-reference
  - type: Rules
    url: https://raw.githubusercontent.com/api-evangelist/fraud-net/refs/heads/main/rules/fraud-net-rules.yml
- aid: fraud-net:fraud-net-identity-api
  name: Fraud.net Identity API
  description: The Identity API from Fraud.net — 2 operation(s) for identity.
  humanURL: https://api-docs.fraud.net/docs/public-apis/b2edb775739e6-api-documentation
  baseURL: https://api-sandbox.c008-m008-us.fraud.net
  tags:
  - Identity
  properties:
  - type: OpenAPI
    url: openapi/fraud-net-identity-api-openapi.yml
  - type: Documentation
    url: https://api-docs.fraud.net/docs/public-apis/b2edb775739e6-api-documentation
  - type: APIReference
    url: https://api-docs.fraud.net/docs/public-apis/b95a796f3265e-api-reference
  - type: Rules
    url: https://raw.githubusercontent.com/api-evangelist/fraud-net/refs/heads/main/rules/fraud-net-rules.yml
common:
- type: Website
  url: https://www.fraud.net/
- type: DeveloperPortal
  url: https://api-docs.fraud.net/
- type: Documentation
  url: https://api-docs.fraud.net/docs/public-apis/b2edb775739e6-api-documentation
- type: APIReference
  url: https://api-docs.fraud.net/docs/public-apis/b95a796f3265e-api-reference
- type: GettingStarted
  url: https://www.fraud.net/onboarding
- type: Support
  url: https://www.fraud.net/company/contact
- type: Blog
  url: https://www.fraud.net/resource-center
- type: GitHubOrganization
  url: https://github.com/fraudnet
- type: LinkedIn
  url: https://www.linkedin.com/company/fraud-net
- type: SignUp
  url: https://www.fraud.net/demo-request
- type: TermsOfService
  url: https://www.fraud.net/terms-of-service
- type: PrivacyPolicy
  url: https://www.fraud.net/privacy-policy
- type: TrustCenter
  url: https://www.fraud.net/trust-center
- type: Compliance
  url: https://www.fraud.net/trust-center
- type: StatusPage
  url: https://status.fraud.net/
- type: ChangeLog
  url: https://releasenotes.fraud.net/
- type: Authentication
  url: authentication/fraud-net-authentication.yml
- type: Conventions
  url: conventions/fraud-net-conventions.yml
- type: Idempotency
  url: conventions/fraud-net-conventions.yml
- type: ErrorCatalog
  url: errors/fraud-net-problem-types.yml
- type: Lifecycle
  url: lifecycle/fraud-net-lifecycle.yml
- type: Conformance
  url: conformance/fraud-net-conformance.yml
- type: DataModel
  url: data-model/fraud-net-data-model.yml
- type: Overlay
  url: overlays/fraud-net-public-apis-overlay.yaml
- type: Packages
  url: packages/fraud-net-packages.yml
- type: SDKs
  url: packages/fraud-net-packages.yml
- type: Components
  url: components/fraud-net-components.yml
- type: LLMsTxt
  url: llms/fraud-net-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: Webhooks
  url: asyncapi/fraud-net-webhooks.yml
- type: Sandbox
  url: sandbox/fraud-net-sandbox.yml
- type: DomainSecurity
  url: security/fraud-net-domain-security.yml
- type: ChangeLog
  url: changelog/fraud-net-changelog.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
x-enrichment:
  date: '2026-09-10'
  status: enriched
  artifacts_added: 23
  pass: local-v3

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