Fraud protection doesn’t have to mean blocking payments. Delayed Actions introduce a short pause — helping stop fraud without adding friction.
Authorised fraud thrives on urgency. Scammers impersonate banks, pressure users to act fast, and exploit instant payments. Once the money is sent, it’s often too late.
Why It Matters:
Victims of authorised fraud usually believe the scam is real — until moments after the transfer. Many report that it only took minutes to realise they’d been tricked.
Delays give users that crucial window to reflect, cancel, or call for help. Several banks found that even a 4-hour delay significantly reduced successful scams. Fraudsters moved on when their tactics stopped working.
Delays also give fraud teams more time to intervene — without disrupting legitimate payments. Customers feel safer knowing they have a built-in buffer.
Why It Works
Delayed Actions interrupt the scam before money leaves the account. The delay is only applied when needed — based on transfer size, recipient type, or risk signals. And when it’s not needed, it stays out of the way.
Delayed Actions help banks reduce fraud by slowing down risky actions — giving customers and fraud teams time to act.
Add delays to high-value transfers
Pause first-time or high-risk recipients
Let users cancel during the delay window
Set delay length: 4h, 24h, or next business day
Trigger delays from existing fraud signals
Explore developer docs, API reference, and the demo bank.