Monitor the full UPI fan-out across your merchant network, detect suspicious VPA patterns before they escalate, and meet RBI PA licensing fraud control requirements — at any scale.
Fraud rings often test across multiple merchants before executing high-value attacks. vcurd's network graph connects VPA activity across your entire merchant base — surfacing patterns that are invisible when each merchant is monitored in isolation. One compromised VPA appearing at 5 merchants is a network-wide signal.
RBI's PA framework requires P2P platforms to maintain escrow balances within defined limits. vcurd monitors escrow balance in real time, triggers alerts when the balance approaches or breaches the threshold, and maintains a full balance history for regulatory review — with webhook support for your core systems.
Maintain a platform-wide suspicious VPA registry with bulk add, remove, and check APIs. Every transaction against a blacklisted VPA is automatically flagged. Add VPAs individually or via CSV import. Supports time-limited flags (e.g., flag VPA for 30 days pending investigation) and reason tagging.
For platforms that disburse to merchants or users via UPI, vcurd monitors the full disbursal fan-out: how many unique recipients did a single VPA disburse to in 15 minutes? Abnormal fan-out patterns are a strong indicator of merchant fraud or account compromise. Webhook integration with disbursal systems included.
The RBI PA framework imposes specific fraud control obligations. vcurd covers them out of the box.
Watchlist screening for merchant VPAs against sanctioned entities and suspicious registries before onboarding.
Real-time transaction scoring, automated alert generation, and FMR/SAR exports in RBI-required formats.
Real-time escrow monitoring with breach alerts, balance history, and regulatory export support.
Talk to us about platform-level fraud detection for your PA operation.