Marqeta, Inc., the modern card issuing platform, today announced it enhanced its Real-Time Decisioning (RTD) offering with an AI-powered risk score that analyzes transaction risk levels at the point of the authorization decision. With the new integrated capabilities, Marqeta enables its customers to make smarter, data-driven risk assessments to prevent payment fraud and reduce false declines. Part of its suite of risk services, the company’s RTD offering allows customers to create custom rules and controls to manage fraud.The risk score is integrated into Marqeta’s platform, analyzing proprietary transaction data from its card programs to detect risk patterns specific to each customer’s use cases. The score evaluates 300+ real-time transaction attributes against historical behavioral patterns, automatically adapting to unique cardholder behaviors and market shifts. This enables customers to assess each transaction’s risk level, take immediate action, and run risk scenarios that are based on their actual cardholder data – all with millisecond-level response times. Payment fraud is getting more sophisticated, with global payment fraud expected to rise by 153% between 2025 and 2030. With this level of sophistication, fraud detection models need to be able to detect new fraud patterns and stay ahead of developing threats. Marqeta addresses this challenge by combining its RTD authorization rules with the predictive power of machine learning in order to continuously identify new fraud patterns and fight against emerging threats. “Today’s fraud threats are evolving faster than ever, requiring businesses to keep pace as they scale their card programs,” said Anthony Peculic, Marqeta’s Interim Chief Product Officer. “By embedding AI-powered controls and advanced machine learning into the authorization process, we enable customers to expand confidently while also strengthening their fraud defense as they scale.”Marqeta’s suite of risk services, RiskControl, includes Know Your Customer (KYC), 3D Secure, Real-Time Decisioning (RTD), and end-to-end disputes management. Learn more about Marqeta’s Real-Time Decisioning product here. NoYesFraud Detection31 Mar, 2026