Company: Fraudio
CEO: João Moura
Website: https://www.fraudio.com/
About Fraudio
Fraudio is tackling one of the payments industry’s biggest challenges: fraud no longer behaves in isolated pockets, while many detection systems still do. The company provides a unified transaction risk platform for acquirers, issuers, processors, fintechs and merchants, bringing fraud detection, merchant monitoring, AML and compliance into one connected system.
Its technology is powered by a centralised, network-driven dataset spanning issuers, acquirers and the payment vehicles they process. This enables real-time contextual analysis across transactions, merchants, cards and related entities, helping clients identify hidden patterns and emerging threats that would be difficult to detect within a single portfolio.
Before co-founding Fraudio, João Moura served as Head of Data Science at a global payments firm, where he saw first-hand how fraud had evolved into an interconnected global threat. Fraud networks were learning from one another, moving across borders and exploiting gaps between fragmented systems. Without a platform for collective intelligence, legitimate organisations were being forced to fight highly coordinated threats with limited visibility.
This insight shaped Fraudio’s founding mission. Rather than relying on siloed data, the company has built what it describes as a patent-pending artificial intelligence “super brain” for payments risk, designed to connect signals across the wider ecosystem and give businesses a more complete view of how risk behaves.
The centralised network has become one of Fraudio’s major competitive advantages. As more organisations join, the data becomes richer, the intelligence sharper and the protection stronger for everyone using the platform. This creates a more unified defence model for global payments, helping businesses make faster, more confident and more precise risk decisions.
Fraudio’s impact is already being demonstrated commercially. In a blind test against a top-tier global vendor, the platform delivered 40% fewer false positives, helping clients reduce unnecessary friction while maintaining strong fraud protection. The company now protects billions of transactions across 188 countries, supported by a scalable, API-first SaaS platform that fits into existing payment stacks.
Fraudio’s value goes beyond stopping fraud. By combining AI-driven intelligence with flexible rules-based controls, Fraudio helps payments businesses improve authorisation rates, reduce operational noise, strengthen compliance processes and make better decisions across the transaction lifecycle.
The company is also focused on accessibility. By making advanced fraud protection easier to deploy, Fraudio aims to support not only large financial institutions but also underserved markets and fast-growing payments businesses that need enterprise-grade protection without heavy infrastructure requirements.
At its core, Fraudio is built on the belief that modern payments risk cannot be managed effectively through fragmented data and legacy models. Better decisions require connected intelligence, broader context and infrastructure designed for how fraud behaves today. By turning collective intelligence into practical protection, Fraudio is working to build a more inclusive, resilient and trustworthy global payments economy.
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