Overview

Vesta is an AI-powered transaction guarantee and payments protection platform that combines real-time fraud decisioning, machine learning, and guaranteed liability (chargeback guarantee) to increase legitimate transaction approvals and remove merchant exposure to fraud. Built on decades of transaction data, Vesta focuses on high-risk verticals (notably telecommunications, e-commerce, and financial services), delivering higher approval rates while taking on fraud liability so customers can scale revenue without added chargeback risk.

Features and Capabilities

• Real-time transaction decisioning: Vesta analyzes each transaction instantly using machine learning and consortium signals to approve or flag risk without manual delays.
• Payment Guarantee (liability transfer): Vesta offers a 100% fraud chargeback guarantee — when Vesta approves a transaction, Vesta assumes liability for related chargebacks, reducing merchant financial risk.
• Advanced ML & consortium data: Continuous model updates and shared fraud intelligence across customers improve detection while lowering false positives and false declines.
• Telco-focused orchestration: Specialized decisioning and payment orchestration tailored to telecommunications use cases (subscriber lifecycle, recurring billing, churn reduction).
• Visual admin dashboard & reporting: Admin UI surfaces transaction scores, decision reasons, approval metrics, and operational reporting for risk and business teams.
• Account protection modules: Capabilities to stop account takeover (ATO) and account origination fraud alongside payment protection.
• Productized integrations / APIs: Out-of-the-box connectors and API-first approach let customers integrate quickly with payment gateways and business systems.
• Compliance & security posture: PCI and SOC-level handling and support for regional data requirements to meet enterprise compliance.
• Scalability & uptime: Designed for high transaction volumes with enterprise availability and 24/7 monitoring for always-on processing.