Flggd Pay Signal · India · For banks and payment apps
Before your customer authorises a UPI payment, your app asks one question: how risky is this payee? Pay Signal answers with a risk band and plain reasons, inside a 250 ms budget.
The verified name tells your customer who the money goes to. It cannot tell them that a refund request takes money, or that the shop's QR sticker was swapped this morning.
Try the three payments on the right. Every name, handle and amount is made up.
Illustrative. Every name, handle and amount is made up. The bank shows the warning in its own app, in its own words. Flggd recommends; the bank decides.
The gap
Your bank already sees its own customers and the data it licenses. No bank can see the account opened at another bank last week that has taken money from dozens of people today.
That view across institutions is what Pay Signal adds.
Illustrative.
One call, at the one moment that matters: after the payee is known and before the customer authorises.
A UPI ID, a mobile number, an account and IFSC, or a QR. All three payment surfaces are covered.
Your app sends the payee and the payment context to Pay Signal.
A risk band, reasons your team can read, and a case ID.
Your app shows the PIN pad, a warning in your own words, or a pause. The decision and the customer stay yours.
A band your app can act on, and reasons your fraud and compliance teams can reconstruct line by line.
Strong signs the payment is a scam. A clear pause, with the reason stated in plain words.
Something is worth checking first. A short step, such as asking the shop or sending ₹1 first.
Nothing flagged. The customer goes straight to the PIN pad, with no added friction.
Every answer carries a case ID and a review path, so a payee who is flagged wrongly has a way to be heard.
Answers are a band and reasons. Never a person, a business, or an allegation.
The same inputs give the same answer, and every answer can be traced to its reasons.
Pay Signal never blocks a payment. Your app chooses what your customer sees.
Every decision has a case ID and a review path.
Pay Signal is a working engine, demonstrated on synthetic data. Flggd is looking for a design-partner bank in India.
Report & Help is our free guide for the first hour after a UPI fraud, for anyone in India.
