Tink Risk Signals is a rules-based risk engine designed to minimize fraud and settlement risk in account-to-account payments. It leverages real-time account, balance, and transaction data—shared under valid user consent—to perform a suite of customizable risk checks during the payment process. These checks include live balance verification, transaction history review, and velocity checks to identify suspicious activity. Risk Signals operates in the background at checkout, enabling secure, fast, and high-converting payment experiences, especially in markets without real-time settlement. The solution is fully configurable per bank and market, and can be implemented rapidly without customer-side integration, making it suitable for a wide range of businesses seeking to enhance payment security and reliability.

Key Features

Customizable Risk Checks Suite of risk checks tailored per bank and market.

• Live balance verification
• Transaction history review
• Velocity checks for suspicious activity

Real-Time Data Analysis Uses account, balance, and transaction data for instant risk assessment.

• Data shared under valid user consent
• Decisions made in seconds during checkout

Background Operation Risk checks run seamlessly during the payment process.

• No friction for end users
• Supports fast, high-converting checkout experiences

Easy Implementation Configured as a service, requiring no customer-side integration.

• Rapid deployment (often within a week)
• Minimal technical overhead

Pan-European Bank Connectivity Leverages Tink’s broad bank network for comprehensive coverage.

• Suitable for multiple European markets
• Adapts to local payment and risk requirements

Benefits

Reduced Fraud and Settlement Risk Minimizes payment fraud and non-settlement risk.

• More accurate risk decisions
• Enhanced security for merchants and users

Faster, More Reliable Payments Enables secure, instant account-to-account payments.

• No compromise between speed and risk reduction
• Ideal for markets without real-time settlement

Improved Customer Experience Supports seamless, frictionless payment journeys.

• No manual intervention required
• High conversion rates at checkout

Scalable and Adaptable Works for businesses of all sizes and sectors.

• Customizable to specific risk profiles
• Rapid onboarding and configuration