National Payment Operator’s New Fraud Prevention Platform Protects Millions of Consumers as They Transact

The client

This leading national payment operator—governed by central financial authorities—is responsible for managing the country’s retail interbank payments infrastructure. This includes real-time and batch payment systems that process billions in daily transactions. The organization plays a pivotal role in powering payments, fostering innovation, and offering consumers diverse payment options. It is also spearheading the modernization of the national payments infrastructure through the development and implementation of industry standards.

Obstacles faced

New legislation aimed at reducing the growing toll of Authorized Push Payment (APP) fraud required financial institutions to reimburse victims within five business days of a claim being made. The cost of reimbursement was mandated to be shared equally between sending and receiving institutions, with a compliance deadline set by regulators.

The payment operator was tasked with:

Extending an account name-checking service to over 400 financial institutions.
Launching a market-wide Reimbursement Claims Management Service (RCMS) to facilitate the new reimbursement process.

To support these initiatives, the organization needed a secure identity directory and API management platform to serve as a trusted framework for financial market participants. This platform would underpin services like CoP and RCMS, managing identity lifecycles, authentication, and authorization with high security and availability.

The journey

The organization partnered with Ensono due to its proven expertise in delivering secure, compliant solutions for highly regulated industries. Ensono was selected to lead the development of the identity directory and API platform within an accelerated 8-month timeline, while also providing long-term support.

Key requirements included:

A secure network and portals for authenticating financial institutions and PSPs.
A dynamic routing mechanism to direct API requests based on account information.
Scalability to support up to 200,000 PSPs and 1 billion API requests per month.
Compliance with financial-grade security standards such as FAPI and OWASP.

Ensono delivered a comprehensive solution using proven technologies and minimal custom development to reduce risk and accelerate deployment.

The platform is now live and supported by Ensono’s global Site Reliability Engineering (SRE) teams, ensuring continuous, secure operation.

The outcomes achieved

Ensono’s solution delivered measurable benefits:

Secure information sharing between over 400 financial institutions and PSPs, enabling better fraud detection and prevention before payment execution. This reduces the incidence of fraudulent payment processing and protects consumers. This directory also supports the whole-of-market reimbursement model for over 900 financial institutions.
The solution adheres to strict financial services security standards and regulations, enhancing data protection and mitigating risk.
Automated processes and streamlined workflows have improved operational efficiency for both the client and the participating financial institutions.
The platform’s robust architecture and infrastructure ensure scalability to accommodate future growth in participating financial institutions and PSPs and API request volumes, with high performance and low latency.

Looking ahead

The strategic partnership continues to evolve, with plans to expand and enhance the platform. The national payments vision, recently reaffirmed by government leadership, positions the payment operator to deliver innovative fraud prevention services and maintain its leadership in the global financial services sector.

“Partnering with Ensono enabled us to build critical fraud prevention services from the ground up in less than eight months, meeting regulatory deadlines that many thought were unachievable. The platform ensures we can continue to offer the highest levels of security and fraud prevention to the millions who rely on our services every day.”

— Chief Operations Officer

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