SENTR · FOR PAYMENT SERVICE PROVIDERS
SENTR handles the 80% of fraud cases that don't need a human analyst — so your team can focus on the 20% that do. Fraud detection, automated chargeback representment, and EU AI Act compliance in a single operational platform. Built for PSPs processing >10,000 transactions a day.
WHAT WE HEAR FROM FRAUD & RISK TEAMS AT PSPS
FRAUD OPS MANAGER
"Every edge case ends up on my desk — I'm the system."
When your fraud tooling can't auto-resolve low-complexity cases, senior analysts spend their day in a queue. Alert fatigue sets in. Your best people are burning out on decisions a machine should handle.
HEAD OF RISK / COO
"We went from 10,000 to 100,000 transactions a day and our fraud ops didn't scale."
Volume doubled. Your chargeback rate followed. Hiring more analysts is slow and expensive — and it's not a strategy. The ops model that worked at 10K transactions a day breaks at 100K.
CFO / FINANCE DIRECTOR
"We spend 20 minutes building an evidence package and still lose 70% of the time."
Manual chargeback evidence assembly from disconnected systems means missed deadlines, incomplete packages, and win rates stuck at 20–35%. That gap is recoverable revenue leaving the building every quarter.
CTO / HEAD OF ENGINEERING
"The vendor said 'easy integration.' It took us four months."
Overpromised integrations break trust before a product can prove value. Every month of delayed integration is another month of fraud losses you could have been measuring. SENTR averages 8 days.
These aren't edge cases. They're the daily reality for fraud and risk teams at PSPs processing at scale. SENTR was built to close each of these gaps — in a single platform.
SENTR's closed-loop architecture runs across five stages — detection, triage, review, resolution, and audit — each feeding the next. See how the loop works →
Slide to explore all five stages
Stage 1
Cross-portfolio and cross-merchant signal ingestion — the view individual merchant tooling cannot produce.
Stage 2
Explainable scores with operator thresholds — EU AI Act-ready output without vendor black boxes.
Stage 3
High-confidence cases auto-cleared; edge cases arrive with evidence and model rationale pre-packaged.
Stage 4
Detection-time evidence flows straight into representment — fewer manual rebuilds, higher win rates.
Stage 5
Structured exports: decision log, reviewer actions, model version — regulator-ready in one workflow.
Stage 1
Cross-portfolio and cross-merchant signal ingestion — the view individual merchant tooling cannot produce.
Stage 2
Explainable scores with operator thresholds — EU AI Act-ready output without vendor black boxes.
Stage 3
High-confidence cases auto-cleared; edge cases arrive with evidence and model rationale pre-packaged.
Stage 4
Detection-time evidence flows straight into representment — fewer manual rebuilds, higher win rates.
Stage 5
Structured exports: decision log, reviewer actions, model version — regulator-ready in one workflow.
"The model gives me a score but can't tell me why." SENTR generates a human-readable rationale for every decision — which rules fired, which signals were weighted, in language your compliance team can sign off on and your regulator can read.
Individual merchants see their own transaction history. As a PSP, you see the full book — and the cross-merchant attack patterns that move through it.
Standard fraud tooling, configured at the individual merchant level, cannot see patterns moving across merchant accounts. Fraud rings test card credentials across your gateway, rotate accounts when one is blocked, and escalate attacks once they find a permissive merchant profile. SENTR's linked-account graph intelligence operates across your full transaction portfolio simultaneously — detecting the ring, not just the transaction.
Fraud signals processed per transaction
500+
across device, behavioural, transactional, network, and linked-account graph
Chargeback win rate with SENTR representment
60–75%
vs. 20–35% without automated evidence packaging (A2 · OfferSpine v4 benchmark range, not a guarantee)
REGULATORY DEADLINE
Payment processors using automated AI systems for fraud detection are operators of high-risk AI systems under the EU AI Act. From August 2026, you are required to maintain an explainability log for every automated decision and an audit trail exportable to regulators on request. The obligation sits with you — not your fraud vendor.
Up to 7% of global annual turnover in fines for non-compliance.
⏱ August 2026 — 3 months from now
SENTR provides audit documentation tooling, not legal advice or regulatory outcomes. All EU AI Act claims require legal review before external publication.
Run SENTR alongside your existing fraud stack — in parallel, read-only, zero cutover. Walk away at Day 50 with board-ready data on every fraud event your current platform missed.
Connect (Days 0–8)
SENTR connects to your transaction stream via REST API — read-only. Your existing fraud stack stays live and unchanged. Average setup: 8 days with your internal tech team. A dedicated integration engineer is included. No professional services required for standard setup. See the full 8-day integration timeline →
Evaluate (Days 1–50)
SENTR processes every transaction you process — in parallel, writing nothing to your production system. Every week: a dashboard showing exactly what fraud SENTR detected that your current platform missed, and every false positive your analysts are wasting time on.
Decide (Day 50)
Day 50: full intelligence report — fraud caught vs. missed, false positive delta, chargeback prevention estimate, EU AI Act compliance gap assessment. You decide based on 50 days of your own transaction data. No pitch deck. No pressure.
Shadow mode is always free. The only cost is 8 days of your engineering team's time.
FOR YOUR ENGINEERING TEAM
Standard REST API with webhooks. Pre-built connectors for major payment infrastructure. Sandbox environment available for safe testing before shadow mode begins.
Average integration time: 8 days with a prepared internal tech team. Not a guarantee — scoped to your specific setup in the Architecture Session. See the full 8-day integration timeline →
SOC 2 Type II certified. ISO 27001 aligned. GDPR-compliant with EU data residency. Full security documentation available under NDA.
Full data portability guaranteed. Code escrow available for enterprise deals. Leaving SENTR does not require changing your payment stack or rebuilding your data model.
THE SHIFT
Right now, your team is the system. Every edge case lands on your desk. Every analyst is in the queue. Every chargeback is a manual rebuild. SENTR changes the operational model — not just the tooling. The 80% that doesn't need a human is resolved automatically. The 20% that does arrives with full context. The loop closes. The queue clears. You walk into the board meeting with numbers, not apologies.
Book your Architecture Session →No pitch deck. No contract until Day 50. If shadow mode isn't the right fit for your setup, we'll tell you on the call.