> ## Documentation Index
> Fetch the complete documentation index at: https://docs.singapay.id/llms.txt
> Use this file to discover all available pages before exploring further.

# Fraud Protection System

There are two major fraud categories that pose significant risks to merchant funds:

**1. Identity Theft**

Fraudsters impersonate legitimate individuals using stolen personal information and identities to:

* Make unauthorized purchases
* Open fraudulent accounts
* Conduct illegal financial activities

**2. Account Takeover (ATO)**

Fraudsters gain unauthorized access to legitimate user accounts and use stored payment methods to:

* Make purchases
* Transfer funds
* Withdraw balances

Drawing upon years of fintech experience in:

* Cybersecurity
* Anti-fraud systems
* Cross-account verification technology

Singapay provides:

* Account KYC verification
* Suspicious transaction detection
* Risk-control interventions
* Security configuration tools

to significantly reduce payment fraud risk.

***

## **Fraud Protection Capabilities**

| **Capability**                                     | **Fraud Type Mitigated**         | **API Payouts**   | **Dashboard Payouts** |
| -------------------------------------------------- | -------------------------------- | ----------------- | --------------------- |
| E-Wallet Account Verification                      | Identity Theft                   | Supported         | Under Development     |
| Bank Account Verification                          | Identity Theft                   | Under Development | Under Development     |
| KTP Verification (Dukcapil)                        | Identity Theft                   | Under Development | N/A                   |
| Transaction Risk Control                           | Identity Theft, Account Takeover | Supported         | Supported             |
| Whitelist & Blacklist Management                   | Account Takeover                 | Supported         | Supported             |
| Account-Level API Token Management                 | Account Takeover                 | Supported         | N/A                   |
| Payment Password & Two-Factor Authentication (2FA) | Account Takeover                 | N/A               | Supported             |
| User & Permission Management                       | Account Takeover                 | N/A               | Supported             |

*Additional identity and risk services are available in the Identity & Risk product suite.*

***

## **Typical Use Cases**

**High-Risk E-Commerce**

* Detection of suspicious orders
* Promotion abuse prevention
* Fake transaction prevention

**FinTech Platforms**

* Identification of suspicious borrowers
* Prevention of identity fraud
* Account takeover detection

***