Marqeta has updated its Real-Time Decisioning (RTD) product with an AI-powered risk score that assesses transaction risk at the point an authorisation decision is made.
The company said the feature is intended to help customers make data-driven risk judgements to curb payment fraud while reducing false declines.
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RTD is part of Marqeta’s wider set of risk services and lets customers set custom rules and controls for fraud management.
The new risk score is built into Marqeta’s platform and draws on proprietary transaction data from its card programmes to identify risk patterns tailored to each customer’s use case.
Marqeta said the score evaluates more than 300 real-time transaction attributes against historical behavioural patterns and adapts to cardholder behaviour as well as broader market shifts.
This, the company said, enables customers to judge the risk level of each transaction, take immediate action, and run risk scenarios based on their own cardholder data, with millisecond-level response times.
Marqeta framed the update against increasingly complex fraud methods, citing estimates that global payment fraud will rise by 153% between 2025 and 2030. The company said its approach combines RTD authorisation rules with machine learning to identify new fraud patterns as threats evolve.
Marqeta interim chief product officer Anthony Peculic said: “Today’s fraud threats are evolving faster than ever, requiring businesses to keep pace as they scale their card programmes.
“By embedding AI-powered controls and advanced machine learning into the authorisation process, we enable customers to expand confidently while also strengthening their fraud defence as they scale.”
Marqeta’s broader RiskControl suite includes Know Your Customer (KYC), 3D Secure, RTD, and end-to-end disputes management.
The company said its platform processed nearly $400bn in annual payments volume in 2025 and is certified to operate in more than 40 countries.
