Xpate partners with SEON to deliver real-time AI fraud defence

London-based payments company xpate has formed a partnership with SEON to enhance fraud prevention capabilities across its global payments platform. Through this collaboration, xpate aims to provide merchants with access to real-time, machine learning-powered tools to combat fraud risks, such as deepfake scams and account takeovers, without introducing delays to the payment process.

Fraud landscape

The challenge of online fraud has escalated significantly, with global consumer losses rising to USD $12.5 billion in the last year, an increase of 25%. Account takeover attacks have surged by 250%, while nearly half of all businesses have encountered synthetic identity fraud. In response, financial institutions and fintech firms are adapting by investing in proactive, AI-driven solutions.

Integrated platform

xpate's payment ecosystem operates in over 100 countries. The integration with SEON's behavioural intelligence and data enrichment technology is designed to offer merchants seamless and adaptive protection. The system employs real-time monitoring and machine learning models that adapt to merchants' transaction patterns, enabling the early detection of emerging fraud trends.

"Fraud prevention shouldn't slow you down, it should move with you. Our collaboration with SEON turns risk management into revenue protection - keeping every genuine transaction seamless, secure, and profitable. It's smart protection that works quietly in the background but drives visible results," said Katia Puchkova, COO, xpate.

Data enrichment

SEON's solution analyses behavioural patterns and transaction contexts, using advanced fingerprinting and behavioural analysis for more precise identification of threats such as multi-accounting and account takeovers. The company's flexible rules engine processes complex risk scenarios while enriching data on each transaction, supporting compliance and security objectives.

This partnership means xpate's merchants receive these enhanced protections without having to invest in additional technical integration or resources. The collaboration is positioned as part of a wider move within the European fintech sector towards embedded, AI-driven risk management solutions.

Benchmark aspirations

By directly embedding SEON's real-time signals into its platform, xpate can increase the speed and accuracy of fraud checks, improve scalability, and handle regulatory requirements more efficiently. This is seen as an important step in ensuring that merchants can handle the accelerating pace of payment fraud, which is growing more sophisticated through the use of new technologies.

"Businesses today need fraud prevention that anticipates risk, not just reacts to it. Our partnership with xpate shows how real-time data intelligence and machine learning can be built directly into payment infrastructure to protect merchants and their customers. xpate's focus on compliance and operational excellence aligns closely with our mission to make fraud prevention more accessible, transparent, and effective for businesses scaling globally," said Matt DeLauro, President, GTM, SEON.