Introducing network-driven risk intelligence for smarter online gaming payments

The average U.S. player uses two to three different online gaming platforms at once for access to various contests, promotions and experiences.

While many gaming operators already use sophisticated risk engines, they are only equipped to understand user behavior happening within their platform.

Each new player enters with zero preliminary transaction information.  

To predict and understand payment behavior with optimal accuracy, gaming platforms need a risk engine that’s powered by data across the entire gaming ecosystem. 

Now, this is a reality with Aeropay’s network-driven risk intelligence, which unifies transaction data across gaming merchants. 

As a unique pillar of our platform, the Aeropay network powers advanced risk models to;

• intelligently approve 20%+ more pay by bank transactions for gaming operators;
• while greatly reducing fraud and returned payments. 

Get an in-depth look in this article.

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How it works

Instead of operating in isolation, Aeropay’s robust network of existing users helps inform our risk engine. This intelligence enhances every transaction on the Aeropay platform, for every merchant in our ecosystem. 

Here’s a deeper look: 

1. Players link their bank securely and instantly for deposits and withdrawals. Our proprietary bank linking product prioritizes open banking APIs for real-time financial insights. 
2. Financial data is aggregated within Aeropay’s gaming network to contribute non-identifiable (anonymous) signals that inform our risk engine. 
3. Machine learning continuously analyzes aggregated data to detect patterns, flag anomalies, and optimize approval logic.
4. AI-powered risk assessments are completed in real time at the moment of deposit or withdrawal to accurately verify and approve good transactions.

While merchants can still create their own rules for responsible gaming or specific user behaviors, the benefit of a shared network is stronger risk management overall. 

In turn, the entire gaming industry benefits from smarter, smoother, safer payments. 

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Benefits for gaming platforms

Aeropay’s network-driven intelligence doesn’t share data, it shares knowledge. That knowledge informs our systems to provide gaming merchants with the smartest possible payments. 

This results in tangible benefits:

20%+ higher approval rates.

By leveraging data from hundreds of millions of gaming transactions, our platform recognizes low-risk players faster and dynamically adjusts approval logic. 

Clients are seeing a 90% average approval rate on guaranteed pay by bank transactions—the highest in the industry.

Fraud prevention that actually works. 

Bad actors are identified and stopped before their first transaction using predictive decision making. Clients have experienced up to a 400% reduction in fraud, even on the highest volume days. 

Comprehensive protection from returned payments. 

The network accurately informs our guaranteed payment model for robust protection from over 50 return codes, including non-sufficient funds.  

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Intelligent payments for responsible gaming 

Aeropay is proud to have deep roots in the gaming industry. 

We work with outstanding client partners like PrizePicks and Dabble. 

We are proud members of the Coalition for Fantasy Sports and Fantasy Sports Gaming Association. 

We are a preferred pay by bank provider for Worldpay’s extensive gaming network. 

But most importantly, we are creating new ways to improve responsible gaming practices through financial technology. 

→  Responsible gaming safeguards ensure patterns of high-risk behavior can be flagged across platforms, helping proactively enforce limits and self-exclusion policies.

→ Bad actors flagged at one merchant can be identified and blocked before transacting elsewhere.

→ Industry-wide data aggregation helps inform and create the smartest, safest solutions for players and operators alike. 

Our network-driven risk systems help unify the gaming industry to better understand and protect players, while improving outcomes for merchants. 

Talk to a gaming payments expert to learn more.