Fraud prevention remains one of the more operationally difficult problems acquirers face. Not because the tools do not exist, but because deploying them has traditionally required a trade-off between flexibility, speed, and control.

To address this, Ginger partnered with SEON, the AI Command Center for Fraud Prevention and AML Compliance. The integration is live today for xpate, an all-in-one payments and banking hub. Every transaction is screened before authorisation through SEON’s fraud engine, embedded directly into Ginger’s gateway and configurable per merchant.

‍Why This Partnership‍

Historically, acquirers have had to choose between building fraud prevention themselves or relying on shared infrastructure that limits autonomy. Ginger and SEON address both sides of that challenge.

Ginger provides the transaction infrastructure: single-tenant architecture, direct scheme access via Silverflow, and a platform that gives acquirers full authority over their data and brand. SEON provides the risk intelligence: real-time fraud signals, device fingerprinting, and a rules engine acquirers can configure to match their needs.

Together, Ginger and SEON put fraud prevention where it matters most—at the point of transaction, before authorisation.

‍How It Works‍

Fraudulent transactions are automatically declined, and the outcome, including the reason and the risk score, is returned to the merchant in real time. Merchants know immediately why a transaction was denied. Support teams field fewer enquiries. Acquirers retain full visibility into what is happening across their portfolio.

"Fraud prevention works best when it's close to the transaction," says Jesse Stolwijk, Chief Platform Architect at XPP. "Embedding it directly into the gateway enables real-time decisions while minimising false positives that can drive revenue loss, without giving up control over data or infrastructure."

‍What the Integration Delivers

Embedded: Fraud screening happens as part of the transaction itself. Not added on afterward. Not reviewed in a separate system.

Configurable: Acquirers set fraud rules per merchant through the Ginger Admin Portal without involving their engineering teams. Rules can be updated as the merchant base evolves.

Adaptive: Status updates and chargeback data flow back to SEON continuously, so the models improve with every transaction processed. Most fraud engines make a decision and move on; this one learns from what happens next.

‍Fast to Deploy: SEON is already integrated into Ginger’s gateway, so acquirers connect once and get both the payment infrastructure and the fraud engine. No second integration. No parallel development track.

‍What Comes Next‍

For acquirers, the result is a fraud strategy that is operational, not just functional; it is configurable, self-improving, and built on its own portfolio data rather than a shared model. This is the first of several fraud prevention integrations planned for Ginger. More are already underway, giving acquirers an expanding set of tools they can deploy directly through the platform without bespoke development.

Fraud prevention has traditionally been treated as a necessary cost. Built the right way, it becomes a capability acquirers can offer merchants as part of a more complete payment solution.

‍About Ginger
Ginger is the white-label e-commerce payment gateway that enables acquirers and payment providers to launch and scale their own branded payment services. Built on single-tenant infrastructure with direct scheme access via Silverflow, Ginger combines full data and brand ownership with the flexibility to integrate payments, fraud, and value-added services into a single platform. Designed for modern payment providers, Ginger gives clients the control to configure their own setup, avoid shared infrastructure, and bring new capabilities to market without custom development. Ginger is a product of XPP. Learn more at xpp.nl/products/ginger.

‍About SEON
SEON is the AI command center for real-time fraud prevention and AML compliance, helping thousands of companies worldwide stop fraud, reduce risk and protect revenue. Powered by 900+ real-time, first-party data signals, SEON enriches customer profiles, flags suspicious behavior and supports both rules-based and AI-driven decisioning. With integrated fraud and AML capabilities, SEON operates globally from Austin, London, Budapest and Singapore. Learn more at seon.io.