B2B Transaction Monitoring

Orca’s sophisticated monitoring system combines rule-based logic with machine learning to detect fraudulent activity across your entire payment ecosystem. Orca analyzes every transaction – from wire transfers to invoicing – providing comprehensive visibility into merchant risk profiles and payment patterns.

Integration Workflows

Orca offers two different integration approaches depending on your transaction processing needs. Real-time Transaction Screening is recommended for transaction processing with a ~300ms tolerance, and Time-Sensitive Transaction Screening for processing with less than 100ms tolerance.

Note that the integration configuration is enabled through Client settings, and requires no specific field to be sent.

1. Real-Time Transaction Screening

This workflow provides immediate risk assessment before a transaction is initiated. The transaction should only be processed by the client if the risk assessment indicates it’s safe to proceed.

Key Characteristics:

• Transaction is fully evaluated before processing
• Client awaits risk decision before initiating transaction
• Provides definitive risk assessment upfront

2. Time-Sensitive Transaction Screening

This workflow allows for initial transaction processing with a preliminary real-time risk assessment, followed by a more comprehensive evaluation of more complex rules via webhook. This approach is ideal for time-sensitive transactions where immediate processing is required.

Key Characteristics:

• Initial quick screening allows time-sensitive transaction processing, this includes assessment of whether the merchant is blocked or restricted, transaction above a threshold etc.
• Final thorough risk assessment and recommended action delivered via webhook
• Client can take remedial action based on final assessment
• Ideal for real-time payment systems that require immediate response
• Post-transaction actions may include: removal from settlement file, transaction reversal, or account restriction