Scam protection shouldn’t get in the way of account-to-account payments. Here’s how Money Out Limits keeps customers safe — without adding friction.
Fraudsters love fast money-out rails. In the U.S., Zelle is a common exit strategy for fraudsters making account-to-account transfers. Once the transfer is sent, it’s gone — no undo button.
Why It Matters
In 2023, Zelle-related fraud alone cost $440M. Scams are simple: fake invoices, urgent requests, convincing lies. In one click, a customer might send $5,000 directly to a scammer. Without limits, banks are unable to pause or stop these risky transfers—they only react after the fact.
Banks using Money Out Limits saw an immediate drop in fraud losses as fraudsters moved on to easier targets. There was no increase in support calls because legitimate customers could verify and continue without hassle. Fraud teams benefited from smarter detection, gaining new signals to act on in real time. As a result, customers felt more protected and trusted their bank even more.
Why It Works
Money Out Limits stop the cash-out step, breaking the scammer’s flow. The system adapts to context by triggering on first-time payees, high amounts, or risky destinations. And best of all, it adds zero friction unless it truly matters.
Money-out limits help banks stop fraud before the money leaves — by adding smart controls to everyday payments
Set daily or per-transfer caps.
Flag sudden limit increases.
Add friction for new payees.
Block transfers to high-risk destinations.
Use limits as real-time risk signals.
Explore developer docs, API reference, and the demo bank.