Who SEON is
SEON is a fraud prevention and AML company founded in Budapest in 2017, with offices in Austin, London, Budapest and Jakarta. It enriches what a customer gives you, an email address, a phone number, an IP address or a card BIN, with digital footprint data, and adds device intelligence, rules, machine learning and AML screening on top.
Fintechs, payment companies, lenders, digital banks and marketplaces use it, and its rules can be read, tested and changed by your own team. That is why it is one of the fraud engines our Fraud & risk module connects to.
What it does in your platform
Fraud & risk
Scores sign-ups, logins and payments with SEON's digital footprint checks on email, phone and IP, its device intelligence and your rules in SEON. Each answer carries a score from 0 to 100 and the rules that fired, and joins your own rules in one decision.
How the connection works
SEON's device SDK runs in your apps, on the web, iOS and Android, and in our Flutter apps through SEON's Flutter plugin. The module sends each event to SEON's Fraud API, and webhooks signed with HMAC-SHA256 bring later changes back.
A customer signs up
SEON's SDK collects the device data in the app and hands it over as an encrypted session.
One call to SEON
The module sends the sign-up to the Fraud API: the email, the phone number, the IP address and that session, in a single request.
SEON enriches and scores
It looks up the email and phone's digital footprint, checks the connection for proxies and VPNs, recognises the device, and runs your rules into a score from 0 to 100.
The module decides
A device already seen on other accounts and a brand-new email push the score up. The module merges it with your own rules: allow, ask for a second factor, hold for review or block.
Changes come back
When an analyst changes a transaction's status or label in SEON, a signed webhook updates the platform, and the case in the backoffice follows.
Next to other providers
The module can call SEON in parallel with Sardine, Sift or Feedzai, or next to Fingerprint for device identity, and merge their signals into one decision. If SEON is slow, the decision falls back to your own rules within a set timeout.
Your analysts' verdicts can go back to SEON through its Label API to train its models, while the case queue and your rules stay in the module. Replacing SEON later does not change your apps, and past decisions stay in your records.
When SEON fits best
A strong fit when
- You want to learn more about a new customer than they told you, from their email, phone and IP.
- Your risk team wants rules it can read, test and change itself.
- You want fraud scoring and AML screening from one provider.
Also worth a look
- Sardine or Sift, for a different mix of consortium data and models.
- Fingerprint, when device identity is the signal you need most.
How we get you live
The contract
We help you get your SEON account and contract in place, in the processing environment that suits your licence: SEON runs separate ones for the EU, the US, the Middle East and Asia-Pacific.
The rules
We set up SEON's scoring with you, from its default rules to your own, and the thresholds the module applies to the score.
The keys
The API key and the webhook signing secret go into your platform's secrets and nowhere else, so every webhook is proven to come from SEON.
A full test run
The whole flow runs in SEON's sandbox, from a sign-up to a held transaction and its webhook, before your first real customer.
