Payment Shield

Real-time payment and checkout fraud screening — protect pay-by-link, hosted checkout, and card payments from card testing, mule cash-out, and phishing abuse.

Payment Shield is PayLegit's transaction-time fraud prevention product — built for checkout pages, hosted payment flows, pay-by-link collections, and merchant portals.

Fraud does not only happen at onboarding. Clean-looking accounts can be misused for card testing, mule payouts, and pay-by-link scams. Payment Shield screens every payment attempt in real time and returns block, step-up, or authorize decisions before funds move.

The payment flow Payment Shield runs in two phases: identity and behaviour signals first (IP, device, geolocation, bot patterns, farm indicators), then card and BIN intelligence when the risk profile allows. This phased approach keeps low-risk customers fast while applying deeper card checks where it matters.

Pay-by-link and remote payments Payment links shared via SMS, WhatsApp, and email are one of the fastest-growing fraud surfaces for banks and PSPs. There is no face-to-face verification, links get forwarded widely, and stolen cards are tested at scale. Payment Shield treats every click-to-pay as a full screening event — who is paying, does the session make sense, is the card being abused, and what should happen next.

What Payment Shield detects • Card testing & BIN attacks — multiple cards or issuer countries from one session in minutes • Pay-by-link misuse — remote payer sessions, social engineering payments, link-forwarding abuse • Mule cash-out — prepaid cards, geographic mismatches, high-risk payment combinations • Phishing checkout — hidden browsers, automation, location spoofing on fake payment pages • Device and velocity abuse — same IP with many devices, rapid card entry, impossible timing