Marqeta has announced an enhancement to its Real-Time Decisioning (RTD) offering with an AI-powered risk score that analyzes transaction risk levels at the point of the authorization decision, enabling customers to make smarter, data-driven risk assessments to prevent payment fraud and reduce false declines.
The AI-powered risk score analyzes 300+ real-time transaction attributes against historical behavioral patterns, adapting to unique cardholder behaviors and market shifts.
The risk score is trained on Marqeta’s proprietary transaction data, detecting risk patterns specific to each customer’s use cases.
The enhancement enables millisecond-level response times for fraud decisions at the point of authorization.
Global payment fraud is expected to rise by 153% between 2025 and 2030, according to cited projections.
Marqeta combines RTD authorization rules with machine learning to continuously identify new fraud patterns and fight emerging threats.
The offering is part of Marqeta’s broader RiskControl suite, which includes KYC, 3D Secure, and end-to-end disputes management.
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.”
The enhanced RTD offering strengthens Marqeta’s suite of risk services, RiskControl, which includes Know Your Customer (KYC), 3D Secure, Real-Time Decisioning (RTD), and end-to-end disputes management. By embedding AI-powered controls and advanced machine learning directly into the authorization process, Marqeta enables customers to scale their card programs with confidence while maintaining robust fraud defenses.
About Marqeta
Marqeta makes it possible for companies to build and embed financial services into their branded experience—and unlock new ways to grow their business and delight users. The Marqeta platform puts businesses in control of building financial solutions, enabling them to turn real-time data into personalized, optimized solutions for everything from consumer loyalty to capital efficiency. With compliance and security built-in, Marqeta’s platform has been proven at scale, processing nearly $400 billion in annual payments volume in 2025. Marqeta is certified to operate in more than 40 countries worldwide and counting.
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