{"id":29364,"date":"2025-05-09T15:52:57","date_gmt":"2025-05-09T10:22:57","guid":{"rendered":"https:\/\/blogrevamp.cashfree.com\/?p=29364"},"modified":"2025-05-12T17:00:21","modified_gmt":"2025-05-12T11:30:21","slug":"cashfree-riskshield-fraud-prevention-tech-part-2","status":"publish","type":"post","link":"https:\/\/blogrevamp.cashfree.com\/cashfree-riskshield-fraud-prevention-tech-part-2\/","title":{"rendered":"Stopping Fraud Before It Happens: The Tech Behind Cashfree Payments\u2019 RiskShield (Part 2)"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a8ee77303223\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #364250;color:#364250\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #364250;color:#364250\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a8ee77303223\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/blogrevamp.cashfree.com\/cashfree-riskshield-fraud-prevention-tech-part-2\/#The_Engine_Powering_RiskShield\" >The Engine Powering RiskShield<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blogrevamp.cashfree.com\/cashfree-riskshield-fraud-prevention-tech-part-2\/#Different_Signals_Used_in_RiskShield\" >Different Signals Used in RiskShield<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/blogrevamp.cashfree.com\/cashfree-riskshield-fraud-prevention-tech-part-2\/#Known_Fraudsters_Dataset\" >Known Fraudsters Dataset<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/blogrevamp.cashfree.com\/cashfree-riskshield-fraud-prevention-tech-part-2\/#Phone_and_Email_Intelligence\" >Phone and Email Intelligence<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/blogrevamp.cashfree.com\/cashfree-riskshield-fraud-prevention-tech-part-2\/#Device_Intelligence\" >Device Intelligence<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/blogrevamp.cashfree.com\/cashfree-riskshield-fraud-prevention-tech-part-2\/#GeoLocation_and_IP_details\" >GeoLocation and IP details<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/blogrevamp.cashfree.com\/cashfree-riskshield-fraud-prevention-tech-part-2\/#Anomaly_Detection_Using_Machine_Learning\" >Anomaly Detection Using Machine Learning<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/blogrevamp.cashfree.com\/cashfree-riskshield-fraud-prevention-tech-part-2\/#Smart_Rules_Using_an_Aggregation_System\" >Smart Rules Using an Aggregation System<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/blogrevamp.cashfree.com\/cashfree-riskshield-fraud-prevention-tech-part-2\/#Uncovering_Fraudulent_Associations_with_GraphDB\" >Uncovering Fraudulent Associations with GraphDB<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/blogrevamp.cashfree.com\/cashfree-riskshield-fraud-prevention-tech-part-2\/#Examples_of_Fraud_and_How_RiskShield_Prevents_These\" >Examples of Fraud and How RiskShield Prevents These<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/blogrevamp.cashfree.com\/cashfree-riskshield-fraud-prevention-tech-part-2\/#UPI_Collect_Request_Scam\" >UPI Collect Request Scam<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/blogrevamp.cashfree.com\/cashfree-riskshield-fraud-prevention-tech-part-2\/#Chargeback_Fraud\" >Chargeback Fraud<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/blogrevamp.cashfree.com\/cashfree-riskshield-fraud-prevention-tech-part-2\/#Promotion_or_Discount_Abuse\" >Promotion or Discount Abuse<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/blogrevamp.cashfree.com\/cashfree-riskshield-fraud-prevention-tech-part-2\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\">Digital payments in India have seen explosive growth over the past decade. From buying groceries to paying utility bills, what once required a wallet and a trip to the store can now be done with a few taps on a phone. Over this period, annual digital transactions grew to more than <a href=\"https:\/\/financialservices.gov.in\/beta\/en\/page\/digital-payments\">18,000 crore<\/a>\u2014an over 80-fold increase between FY 2013\u201314 and FY 2023\u201324.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But as adoption has soared, so has fraud.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In just the last year, fraud losses linked to digital payments reached<a href=\"https:\/\/timesofindia.indiatimes.com\/technology\/tech-news\/rbi-data-suggests-rise-in-online-payment-frauds-in-india-reasons-and-what-users-should-do\/articleshow\/110627011.cms\"> \u20b91,457 crore<\/a>, and UPI fraud cases nearly doubled to 13.4 lakh, according to the Reserve Bank of India. They aren\u2019t just isolated incidents. They\u2019re happening every day\u2014quietly, quickly, and often without warning.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For businesses and payment platforms, reacting after the fact is no longer enough. Fraud needs to be stopped in real time, ideally before a transaction is even completed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fraud prevention, at its core, should be approached across three essential layers \u2014 each playing a distinct role in reducing risks:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>User awareness<\/strong> helps individuals recognise and avoid scams.<br><\/li>\n\n\n\n<li><strong>Real-time prevention<\/strong> to detect and stop fraud as it\u2019s happening.<br><\/li>\n\n\n\n<li><strong>Post-incident response<\/strong> to report cases and attempt recovery when needed.<br><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">While awareness is essential, it isn\u2019t always enough. Post-incident responses are often too late\u2014the money is gone, and the damage is done. That\u2019s why the most meaningful impact comes from prevention that happens in real time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That\u2019s where <strong>RiskShield<\/strong> comes in\u2014our real-time fraud prevention system, built to detect and stop threats as they happen, at scale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In <a href=\"https:\/\/tech.cashfree.com\/decoding-the-digital-threat-landscape-the-rising-tide-of-payment-fraud-2b0e13d3cc9e\"><strong>Part 1 <\/strong><\/a>of this series, we unpacked the tactics, tools, and fraudster archetypes shaping today\u2019s threat landscape. In this second part, we take you inside <strong>RiskShield<\/strong>, and show how we\u2019re turning defence into offence.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Engine_Powering_RiskShield\"><\/span><strong>The Engine Powering RiskShield<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">RiskShield is a real-time transaction screening system that leverages both rule-based and machine learning-based approaches.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At Cashfree Payments, every transaction is evaluated by RiskShield, which calculates a risk score. Based on this score, the transaction is processed, blocked, or flagged for review by our merchants.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is built with the following considerations in mind:<br><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Highly scalable solution to handle the peak demand of up to <strong>12,000 transaction screenings per second<\/strong><\/li>\n\n\n\n<li>A system that can screen transactions in<strong> real-time <\/strong>as they occur, detect and prevent fraud before the transaction is completed<\/li>\n\n\n\n<li><strong>Flexible and customisable<\/strong> to handle the different fraud scenarios<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">We have developed an in-house rule engine designed to execute complex rules efficiently. Unlike off-the-shelf rule engines, it gives us complete flexibility to fine-tune it to handle evolving fraud patterns.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This rule engine supports complex aggregations involving multiple markers from device data intelligence, geolocations, and other metadata. Our ML model, which runs alongside the rule engine, helps us identify anomalies in transaction behaviour.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" fetchpriority=\"high\" decoding=\"async\" width=\"770\" height=\"606\" data-attachment-id=\"29460\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/cashfree-riskshield-fraud-prevention-tech-part-2\/deepak-bansal-egg-fraud-risk_d1_v2-1\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/05\/Deepak-bansal-Egg-fraud-risk_d1_v2-1.png?fit=1330%2C1047&amp;ssl=1\" data-orig-size=\"1330,1047\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Deepak-bansal-Egg-fraud-risk_d1_v2 (1)\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/05\/Deepak-bansal-Egg-fraud-risk_d1_v2-1.png?fit=770%2C606&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/05\/Deepak-bansal-Egg-fraud-risk_d1_v2-1.png?resize=770%2C606&#038;ssl=1\" alt=\"\" class=\"wp-image-29460\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/05\/Deepak-bansal-Egg-fraud-risk_d1_v2-1.png?resize=1024%2C806&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/05\/Deepak-bansal-Egg-fraud-risk_d1_v2-1.png?resize=300%2C236&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/05\/Deepak-bansal-Egg-fraud-risk_d1_v2-1.png?resize=768%2C605&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/05\/Deepak-bansal-Egg-fraud-risk_d1_v2-1.png?resize=1200%2C945&amp;ssl=1 1200w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/05\/Deepak-bansal-Egg-fraud-risk_d1_v2-1.png?resize=87%2C67&amp;ssl=1 87w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/05\/Deepak-bansal-Egg-fraud-risk_d1_v2-1.png?w=1330&amp;ssl=1 1330w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Different_Signals_Used_in_RiskShield\"><\/span><strong>Different Signals Used in RiskShield<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Known_Fraudsters_Dataset\"><\/span><strong>Known Fraudsters Dataset<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">We maintain a curated list of known fraudsters identified through various channels, including regulators. Some entities in the dataset are email, phone, IP address, UPI handle, bank account number, card, etc. We have also extended this capability to our merchants, where merchants can maintain their lists. All the transactions are screened against Cashfree\u2019s curated master list and a merchant-specific list.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Phone_and_Email_Intelligence\"><\/span><strong>Phone and Email Intelligence<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">With our phone and email intelligence system, we identify whether a customer&#8217;s phone number or email is temporary or disposable, has been used for spamming and assess attributes like its age and reliability.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Device_Intelligence\"><\/span><strong>Device Intelligence<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">With our in-house device intelligence system, we extract only essential device properties, ensuring user privacy while providing sufficient data for preventing fraud. This information is then leveraged to calculate the device score effectively.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"GeoLocation_and_IP_details\"><\/span><strong>GeoLocation and IP details<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">With GeoLocation and IP data, we identify countries, cities, and other locations and allow our merchants to block specific countries, regions, or any particular type of proxy with high fraud rates.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Anomaly_Detection_Using_Machine_Learning\"><\/span><strong>Anomaly Detection Using Machine Learning<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Our Machine learning models use advanced anomaly detection algorithms to accurately predict the probability of a transaction being fraudulent and provide human-readable reasons for its explainability. Our models work on multiple signals across different categories, like transaction volume, frequency, user properties, device properties, etc,. and post-processing checks to ensure minimal false positives. Our models use feedback to autotune the features and thresholds.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Smart_Rules_Using_an_Aggregation_System\"><\/span><strong>Smart Rules Using an Aggregation System<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">A real-time aggregation system helps with supporting complex rules, including the velocity checks that run during the transaction screening. Examples:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If a transaction originates from a single payment instrument and is associated with more than X distinct mobile numbers or devices within a Y time interval, then block further transactions.<\/li>\n\n\n\n<li>If the aggregated transaction value associated with a single UPI handle or phone number surpasses the threshold of Rs X within a Y time interval, then block further transactions.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These rules are dynamically selected based on the merchant&#8217;s line of business and transaction size. We leveraged Apache Flink, an open-source streaming and aggregation framework, along with Kafka event streaming to build the aggregation system.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Uncovering_Fraudulent_Associations_with_GraphDB\"><\/span><strong>Uncovering Fraudulent Associations with GraphDB<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Traditional relational databases struggle to handle complex relationships between entities, making them less effective in detecting fraud patterns across vast networks. Therefore, we leverage the Graph database, which excels in uncovering intricate links between users, transactions, devices, and payment instruments. It allows us to discover any transitive relationship with any already-proven risky entity. Examples:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A cohort of users attempting to exploit the system, interconnected directly or indirectly through various identifiers such as phone number, email, IP address, device, or payment instruments like cards and UPI handles.<\/li>\n\n\n\n<li>A merchant attempting to exploit a competitor&#8217;s system.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Examples_of_Fraud_and_How_RiskShield_Prevents_These\"><\/span><strong>Examples of Fraud and How RiskShield Prevents These<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"UPI_Collect_Request_Scam\"><\/span><strong>UPI Collect Request Scam<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">In this scam, fraudsters pose as legitimate users, claiming to process a refund. They trick users into approving a &#8216;Collect Request&#8217; by convincing them that a refund has been initiated and instructing them to enter their UPI PIN in their UPI app to receive the refund. While increasing fraud awareness prevents many attempts from succeeding, some individuals still fall for this scam, enter their PIN, and unknowingly become victims of fraudulent activities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Our <strong>RiskShield<\/strong> analyses these transaction requests and flags them based on multiple signals mentioned below.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The same device or user is attempting payments by sending Collect Requests to multiple UPI handles. Our <strong>aggregation system<\/strong> dynamically tracks and aggregates the distinct UPI handle count and flags suspicious transactions.<\/li>\n\n\n\n<li>As awareness increases, many Collect Request attempts fail, making a high number of failed attempts another key signal.<\/li>\n\n\n\n<li>Fraudsters often use disposable or temporary phone numbers and email addresses. Our <strong>phone and email intelligence<\/strong> enhances risk detection by identifying such patterns.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Chargeback_Fraud\"><\/span><strong>Chargeback Fraud<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">In this type of fraud, a user makes the purchase and receives the product or service, and then deliberately raises a chargeback in order to receive the refund of the transaction amount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some of the signals that help us flag such transactions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>User or its attributes like device, IP, Phone, Payment details, etc., being directly or indirectly associated with past chargebacks or disputes, which is derived from our <strong>GraphDB<\/strong><\/li>\n\n\n\n<li>Users found engaging in repeated fraudulent activities are added to the fraudster dataset maintained by Cashfree<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Promotion_or_Discount_Abuse\"><\/span><strong>Promotion or Discount Abuse<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Companies often run campaigns offering one-time discounts to new customers. This can be abused by creating fake accounts to avail the offer multiple times. To prevent such misuse, our device intelligence system identifies accounts linked to the same device and flags these transactions accordingly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Everything we build at Cashfree Payments starts with a simple goal: to remove friction and eliminate pain points for our merchants. Every transaction they process carries more than just value; it carries trust.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you\u2019re running flash sales, handling high volumes, or scaling into new markets, RiskShield works behind the scenes to keep fraud out and trust intact.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And because no two businesses are the same, we\u2019ve made it flexible, so every merchant can tailor their fraud prevention without compromising on experience or speed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We\u2019ve built a system that doesn&#8217;t just react\u2014it anticipates. It adapts. And most importantly, it puts control in the hands of the businesses we serve. RiskShield is our way of saying, We\u2019ve got your back.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Stay tuned for more blogs in this series!<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.cashfree.com\/risk-shield-payment-gateway\/?utm_source=blog&amp;utm_medium=organic&amp;utm_campaign=fraud-prevention-rs-part2\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"770\" height=\"107\" data-attachment-id=\"29027\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/affiliate-program-for-website-development-agencies\/footer-common-image\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/03\/Footer-Common-Image-.webp?fit=1258%2C174&amp;ssl=1\" data-orig-size=\"1258,174\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Footer Common Image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/03\/Footer-Common-Image-.webp?fit=770%2C107&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/03\/Footer-Common-Image-.webp?resize=770%2C107&#038;ssl=1\" alt=\"\" class=\"wp-image-29027\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/03\/Footer-Common-Image-.webp?resize=1024%2C142&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/03\/Footer-Common-Image-.webp?resize=300%2C41&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/03\/Footer-Common-Image-.webp?resize=768%2C106&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/03\/Footer-Common-Image-.webp?resize=1200%2C166&amp;ssl=1 1200w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2025\/03\/Footer-Common-Image-.webp?w=1258&amp;ssl=1 1258w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Digital payments in India have seen explosive growth over the past decade. From buying groceries to paying utility bills, what once required a wallet and a trip to the store can now be done with a few taps on a phone. Over this period, annual digital transactions grew to more than 18,000 crore\u2014an over 80-fold<\/p>\n","protected":false},"author":133,"featured_media":29366,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_themeisle_gutenberg_block_has_review":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[1497],"tags":[],"class_list":["post-29364","post","type-post","status-publish","format-standard","has-post-thumbnail","category-engineering"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Stopping Fraud Before It Happens: The Tech Behind Cashfree Payments\u2019 RiskShield (Part 2) - Cashfree Payments Blog<\/title>\n<meta name=\"description\" content=\"Discover how Cashfree Payments&#039; RiskShield uses advanced technology to detect and stop fraud in real-time. 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