Marqeta enhances Real-Time Decisioning offering

Marqeta (MQ) enhanced its Real-Time Decisioning offering with an AI-powered risk score that analyzes transaction risk levels at the point of the authorization decision. With the new integrated capabilities, Marqeta enables its customers to make smarter, data-driven risk assessments to prevent payment fraud and reduce false declines. Part of its suite of risk services, the company’s RTD offering allows customers to create custom rules and controls to manage fraud. The risk score is integrated into Marqeta’s platform, analyzing proprietary transaction data from its card programs to detect risk patterns specific to each customer’s use cases. The score evaluates 300+ real-time transaction attributes against historical behavioral patterns, automatically adapting to unique cardholder behaviors and market shifts. This enables customers to assess each transaction’s risk level, take immediate action, and run risk scenarios that are based on their actual cardholder data-all with millisecond-level response times.