Withdrawal fraud moves fast
Fraudsters exploit the gap between payment confirmation, wallet crediting and payout. MansaGuard scores the event before funds leave.
Fraud loss trend
1Y$300K$150K$0
Real-time fraud decisions
for Mobile Money teams
Detect account abuse, SIM-swap signals, suspicious withdrawals, bonus abuse and device reuse before risky transactions settle.
Hi Miquella,
Good morning!
MSMiquella S.
You have 12 high-risk transactions to review here ↗
Fraud analytics
Jan 2026 – May 2026
Screened
300,783 ▲ 3.46%
Blocked
2,163 ▲ 4.10%
Pending
245 ▼ 1.20%
Detection rate
98.64% ▲ 3%
Accuracy this month
123
Withdrawal fraud✓ 1.4%
Account takeover✓ 0.8%
Bonus abuse✗ 2.1%
View details
Why MansaGuard
Fraud losses happen in the gap between event and decision
How It WorksMobile Money and fintech fraud is operational, local and fast-moving. MansaGuard turns transaction, device, user and velocity signals into decisions your team can act on before settlement.
Static rules get noisy
Risk teams maintain brittle rules across spreadsheets, logs and support tools. MansaGuard keeps rules configurable, explainable and tenant-scoped.
Fraud loss trend
1Y$300K$150K$0
Local signals are missed
SIM-swap risk, shared devices, bonus abuse and wallet velocity patterns often appear before the transaction, but only if signals are connected.
Fraud loss trend
1Y$300K$150K$0
Decision Engine
A decision layer your risk team can explain
MansaGuard does more than flag suspicious activity. It returns the decision, the score, the reasons and the evidence needed to review or block a risky flow.
ALLOW, REVIEW or BLOCK
Each login, account event, transfer or withdrawal gets a clear decision while the client flow is still controllable.
Explainable reasons
Triggered rules, weights and evidence are visible for each decision so risk teams can trust and audit the outcome.
Guided review queue
Uncertain cases move into a tenant-scoped queue with score, status, analyst comments and the context needed to act fast.
Auditable operations
Decision history, API keys, webhook deliveries, team actions and settings changes are traceable by tenant.
Security & Compliance
Security controls for fintech-grade integrations
API keys, signed requests, tenant isolation and audit trails keep fraud decisions operationally safe without forcing a platform rebuild.
HMAC signatures on every request
Replay protection and rate limiting by tenant
Tenant isolation for client workspaces and API keys
Audit logs for decisions, settings and sensitive actions
Webhook delivery logs for operational traceability
API workflow
Add fraud decisions without rebuilding your transaction stack
Put MansaGuard between sensitive events and final execution. Your backend sends a compact risk event, receives an explainable decision, then continues the customer journey with the right guardrail.
Tenant-scoped API keys
HMAC request signatures
Replay protection
Webhook delivery logs
Decision request
One API call before a risky action settles
signed
risk-score request
POST /v1/risk-score
{
"event_type": "withdrawal_requested",
"amount": 450000,
"currency": "XOF",
"user_ref": "usr_82f4",
"device_ref": "dev_29ac",
"signals": {
"account_age_hours": 22,
"otp_failures": 3,
"known_device": false
}
}Environment
sandbox / production
Auth
API key + HMAC
Payload
minimized identifiers
Send a risk event
Stream login, transfer, withdrawal, account, OTP, device or IP events from your backend.
Receive a decision
MansaGuard returns a score, reasons and an ALLOW, REVIEW or BLOCK decision in real time.
Trigger your workflow
Use webhooks to notify fraud ops, open a review case, block a payout or capture feedback.
Decision response
68
risk score
REVIEW
New account + high value withdrawal
Unseen device with OTP failures
No successful withdrawal history
Priority fraud use cases
Start with the flows where fraud loss is most expensive: withdrawals, account abuse, takeover risk and analyst review.
View details
High-risk withdrawals
Review new accounts, unfamiliar devices and high-value payouts before money leaves the wallet.
Explore scenario
View details
Account takeover signals
Detect new device, OTP failure, IP change and sensitive action patterns before login risk becomes transfer fraud.
Explore scenario
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Multiple accounts same device
Identify account farms, repeated signup abuse and bonus-draining patterns tied to device reuse.
Explore scenario
View details
Analyst review queue
Prioritize REVIEW cases with reasons, evidence, comments and actions for fraud operations.
Explore scenario
View details
Cross-channel risk
Correlate API, mobile, web and payment events to improve decisions across the full customer journey.
Explore scenario
View details
Suspicious profile changes
Apply targeted rules when device, payout method, phone, email or wallet details suddenly change.
Explore scenario
Pilot-first pricing for fintech teams
Start with the riskiest flow, prove the loss-reduction value, then expand to more events, teams and environments.
Pilot
Validate MansaGuard on one high-risk flow with a sandbox and guided setup.
Pilot/ scoped
- Sandbox tenant
- One transaction flow
- API keys and webhooks
- Pilot success review
Production ready
Growth
For fintech teams ready to run real-time review and block decisions in production.
Custom/ monthly
- Production risk scoring
- Rules and thresholds
- Review queue
- Webhook notifications
- Operational support
Enterprise
For multi-tenant, high-volume or regulated teams with advanced security needs.
Custom/ annual
- Multiple environments
- Advanced audit needs
- Custom integration support
- Dedicated risk workflows
- Priority response
Frequently Asked Questions
Everything fintech, wallet and risk teams need to know before piloting MansaGuard.
Still have questions?
Reach our team at hello@mansaguard.com