WatchDog — fraud detection across the whole portfolio.
WatchDog™ is the rules engine, velocity filter, community blocklist and ML scoring layer that runs on every transaction in the gateway. Tune sensitivity per merchant. Roll templates across the portfolio. Surface the score in your reporting.
Transactions can be approved or declined pre- or post-authorization, and every decision is logged in one place — so when a chargeback dispute lands, the evidence is already assembled.
WatchDog was one of the first gateway-native tools to use a machine-learning algorithm. Models adapt as new portfolio data lands. More data, better signal — and the part of fraud that matters most is deterrence, not just detection.
Pre- and post-authorization rules
Decline before the network is hit, or flag-and-review after settlement. Each rule can run in either mode, so you tune for false-positive cost the way you want — not the way a vendor's defaults assume.
Partner-defined rulesets
You decide what's in the rulebook. Push templates down to merchants, or let merchants tune within bounds you set. Either way, the policy lives with you, not with a black-box vendor.
Carries across the portfolio
WatchDog runs on every Fluid Pay® product — Virtual Terminal, recurring billing, ecommerce checkout, Processa, hosted pay pages — so a rule you turn on once protects every channel that merchant accepts on.
Works across every product
Set the rule, leave it on. WatchDog evaluates every transaction the gateway sees, regardless of where it originated.
Priced for the portfolio
Per-MID economics that scale with you. No surprise consumption charges when traffic spikes, no minimums that punish smaller merchants out of the gate.
