Retail and commercial banks
Banks
Who we work with
Financial institutions of all sizes trust Flggd to protect their customers.
Card networks and processors
Payment Processors
Digital wallets and neobanks
Fintechs
Member-owned institutions
Credit Unions
​Why partner with Flggd
Protect Your Customers
Integrate Flggd Safeline scam detection API to protect your customers before they authorize fraudulent transactions.
Reduce Fraud Losses
Real-time intervention at the point of payment helps reduce authorized push payment (APP) fraud.
Build Customer Trust
Show your customers you're invested in their safety with proactive scam protection built into your platform.
Integration use cases
Flggd Safeline API can be integrated at multiple touchpoints across your customer journey.
Payment Authorization
Screen transactions in real-time before funds are released. Alert customers when a payment matches known scam patterns.
Customer Communication
Analyze incoming messages to your customers through your app. Flag suspicious communications before they cause harm.
Onboarding Verification
​Verify new account communications and prevent account takeover attempts during the onboarding process.
Sample API Response
{
"verdict": "SCAM",
"confidence": 0.98,
"red_flags": [
"urgency_language",
"spoofed_sender",
"suspicious_link"
],
"category": "phishing",
"recommendation": "block"
}
Built for reliability, security, and scale.
Zero Integration
Deploy in <2 hours, no backend changes, no API access
Multi-Channel Intake
SMS, web widget, optional email intake
Whitelabeled AI Verdicts
Instant, human-readable scam risk classification
Submission volume, types, trends, estimated fraud prevented
MI Dashboard
Track usage, generate monthly invoices, CSV/PDF exports
Billing & Reporting
Scam detection for banks, building societies and credit unions
Your customers tell you about scams. They tell almost nobody else. That makes you the best-placed observer of scam behaviour of any institution there is and you still see about half of it.
The measurement problem nobody in this market is naming
Transactional monitors look for the signals that distinguish a scam payment from a genuine one. They are getting better at it, but they are limited by the data in the payment stream. Everything else remains invisible to them.
The biggest invisibility is the scam that doesn't attempt to trick your systems. It tricks your customers into using your systems to send the money themselves.
When a customer is under the spell of a scammer, they won't trigger the typical red flags of account takeover or technical fraud. They are the genuine user, on their genuine device, in their genuine location. The scam is happening in the conversation, not in the transaction.
What could be seen has already been fixed
Technical security in banking is excellent. Two-factor authentication, device fingerprinting and behavioral biometrics have made unauthorized access much harder. Fraudsters have adapted to this by moving 'upstream'; away from hacking the bank, and towards hacking the human.
This shift is why losses continue to climb even as technical controls improve. Scammers have found the one interface that banks don't monitor: the customer's own communication channels.
The growth is in the scams that arrive as a genuine payment
Authorized Push Payment (APP) fraud is now the single largest category of fraud losses in many markets. It is the perfect crime for the digital age because the bank is a passive participant. The customer is the one who 'decides' to lose the money.
Current fraud systems are designed to detect the thief, not to protect the victim from themselves. This gap is where SafeLine operates.
By seeing the interaction that precedes the payment, we can intercept the scam while it is still in the 'grooming' phase, before the customer has even opened their banking app to start the transfer.
What FinCEN is asking filers to supply
Regulatory pressure is growing on institutions to provide better intelligence on the origin of scam payments. FinCEN and other global regulators are increasingly looking for 'upstream' markers; links to phishing sites, spoofed phone numbers, and the specific narratives used to deceive customers.
Most banks can't provide this because they don't have it. SafeLine provides the exact evidence files that regulators are starting to expect in SAR filings.
How SafeLine works
SafeLine gives your customers a two-second way to verify any message they receive. Whether it arrives via SMS, WhatsApp, or email, they forward it to a dedicated number or paste it into a web widget on your site.
Flggd's AI immediately analyzes the message for scam signatures, spoofing indicators, and social engineering patterns. The customer gets an instant, binary verdict: SAFE or SCAM. If it's a scam, we tell them why and prevent the payment from ever being initiated.
What deployment involves
SafeLine is designed to be deployed without touching your core systems. For the SMS/WhatsApp channel, there is zero IT work - we provide the numbers and the customer forwards the messages directly to Flggd.
For the web channel, deployment involves adding small lines of code to your existing landing pages. This can usually be handled via a tag manager in minutes.
Because we do not require access to your customer database or your transaction stream, the security and compliance review is streamlined. SafeLine is an intelligence layer that sits next to your bank, not inside it.
The pilot
We typically start with a 90-day pilot. During this period, we work with your fraud team to cross-reference our detection data with your reported losses.
A pilot allows you to quantify the SafeLine effect: how many scams were intercepted that would have otherwise resulted in a loss, and how much it would have cost to reimburse those customers under the latest liability frameworks.